Several lenders offer a preferential interest rate or a processing-fee waiver on a Term Loan for women applicants — check with FynnEdge which of our partner lenders currently do.
Lenders typically assess: Minimum business vintage (varies by lender); Healthy annual turnover; Reasonable existing business obligations.
Documents commonly required: PAN Card, Business Registration Proof, GST Returns, Bank Statements (last 12 months), ITR (last 2 years).
Eligibility and final terms are set by the lender at the time of application — the figures here are indicative starting points, not a guarantee of approval or of the exact rate you'll be offered.
Term Loan for Women EMI calculator
Estimate your monthly instalment and see the full year-by-year principal and interest breakdown.
Maximum loan amount: ₹5,00,00,000
Lenders' published rates for Term Loan: 7.75%–22.08% p.a..
Maximum tenure: 10 years (120 months)
Monthly EMI
₹20,157
Total interest
₹2,09,418
Total payment
₹12,09,418
Indicative only — your actual EMI depends on the lender's exact rate and terms at sanction.
Principal vs. interest
- Principal 82.7%
- Interest 17.3%
Principal & interest paid per year
Time on the x-axis, amount repaid on the y-axis — early on leans toward interest, later on toward principal.
Full breakdown, starting this month
Assumes your first EMI falls this month — click a period to see every month within it.
Nov 2026 – Oct 2027 Principal paid₹1,70,350 Interest paid₹71,533 Total paid₹2,41,884
| Month | Principal paid | Interest paid | Total paid | Balance remaining |
|---|---|---|---|---|
| Nov 2026 | ₹13,699 | ₹6,458 | ₹20,157 | ₹9,86,301 |
| Dec 2026 | ₹13,787 | ₹6,370 | ₹20,157 | ₹9,72,514 |
| Jan 2027 | ₹13,876 | ₹6,281 | ₹20,157 | ₹9,58,638 |
| Feb 2027 | ₹13,966 | ₹6,191 | ₹20,157 | ₹9,44,672 |
| Mar 2027 | ₹14,056 | ₹6,101 | ₹20,157 | ₹9,30,616 |
| Apr 2027 | ₹14,147 | ₹6,010 | ₹20,157 | ₹9,16,470 |
| May 2027 | ₹14,238 | ₹5,919 | ₹20,157 | ₹9,02,232 |
| Jun 2027 | ₹14,330 | ₹5,827 | ₹20,157 | ₹8,87,902 |
| Jul 2027 | ₹14,423 | ₹5,734 | ₹20,157 | ₹8,73,479 |
| Aug 2027 | ₹14,516 | ₹5,641 | ₹20,157 | ₹8,58,963 |
| Sep 2027 | ₹14,609 | ₹5,547 | ₹20,157 | ₹8,44,354 |
| Oct 2027 | ₹14,704 | ₹5,453 | ₹20,157 | ₹8,29,650 |
Nov 2027 – Oct 2028 Principal paid₹1,84,031 Interest paid₹57,852 Total paid₹2,41,884
| Month | Principal paid | Interest paid | Total paid | Balance remaining |
|---|---|---|---|---|
| Nov 2027 | ₹14,799 | ₹5,358 | ₹20,157 | ₹8,14,851 |
| Dec 2027 | ₹14,894 | ₹5,263 | ₹20,157 | ₹7,99,957 |
| Jan 2028 | ₹14,991 | ₹5,166 | ₹20,157 | ₹7,84,966 |
| Feb 2028 | ₹15,087 | ₹5,070 | ₹20,157 | ₹7,69,879 |
| Mar 2028 | ₹15,185 | ₹4,972 | ₹20,157 | ₹7,54,694 |
| Apr 2028 | ₹15,283 | ₹4,874 | ₹20,157 | ₹7,39,411 |
| May 2028 | ₹15,382 | ₹4,775 | ₹20,157 | ₹7,24,029 |
| Jun 2028 | ₹15,481 | ₹4,676 | ₹20,157 | ₹7,08,548 |
| Jul 2028 | ₹15,581 | ₹4,576 | ₹20,157 | ₹6,92,968 |
| Aug 2028 | ₹15,682 | ₹4,475 | ₹20,157 | ₹6,77,286 |
| Sep 2028 | ₹15,783 | ₹4,374 | ₹20,157 | ₹6,61,503 |
| Oct 2028 | ₹15,885 | ₹4,272 | ₹20,157 | ₹6,45,618 |
Nov 2028 – Oct 2029 Principal paid₹1,98,812 Interest paid₹43,072 Total paid₹2,41,884
| Month | Principal paid | Interest paid | Total paid | Balance remaining |
|---|---|---|---|---|
| Nov 2028 | ₹15,987 | ₹4,170 | ₹20,157 | ₹6,29,631 |
| Dec 2028 | ₹16,091 | ₹4,066 | ₹20,157 | ₹6,13,541 |
| Jan 2029 | ₹16,195 | ₹3,962 | ₹20,157 | ₹5,97,346 |
| Feb 2029 | ₹16,299 | ₹3,858 | ₹20,157 | ₹5,81,047 |
| Mar 2029 | ₹16,404 | ₹3,753 | ₹20,157 | ₹5,64,643 |
| Apr 2029 | ₹16,510 | ₹3,647 | ₹20,157 | ₹5,48,132 |
| May 2029 | ₹16,617 | ₹3,540 | ₹20,157 | ₹5,31,515 |
| Jun 2029 | ₹16,724 | ₹3,433 | ₹20,157 | ₹5,14,791 |
| Jul 2029 | ₹16,832 | ₹3,325 | ₹20,157 | ₹4,97,959 |
| Aug 2029 | ₹16,941 | ₹3,216 | ₹20,157 | ₹4,81,018 |
| Sep 2029 | ₹17,050 | ₹3,107 | ₹20,157 | ₹4,63,967 |
| Oct 2029 | ₹17,161 | ₹2,996 | ₹20,157 | ₹4,46,807 |
Nov 2029 – Oct 2030 Principal paid₹2,14,779 Interest paid₹27,105 Total paid₹2,41,884
| Month | Principal paid | Interest paid | Total paid | Balance remaining |
|---|---|---|---|---|
| Nov 2029 | ₹17,271 | ₹2,886 | ₹20,157 | ₹4,29,536 |
| Dec 2029 | ₹17,383 | ₹2,774 | ₹20,157 | ₹4,12,153 |
| Jan 2030 | ₹17,495 | ₹2,662 | ₹20,157 | ₹3,94,658 |
| Feb 2030 | ₹17,608 | ₹2,549 | ₹20,157 | ₹3,77,049 |
| Mar 2030 | ₹17,722 | ₹2,435 | ₹20,157 | ₹3,59,328 |
| Apr 2030 | ₹17,836 | ₹2,321 | ₹20,157 | ₹3,41,491 |
| May 2030 | ₹17,952 | ₹2,205 | ₹20,157 | ₹3,23,540 |
| Jun 2030 | ₹18,067 | ₹2,090 | ₹20,157 | ₹3,05,472 |
| Jul 2030 | ₹18,184 | ₹1,973 | ₹20,157 | ₹2,87,288 |
| Aug 2030 | ₹18,302 | ₹1,855 | ₹20,157 | ₹2,68,987 |
| Sep 2030 | ₹18,420 | ₹1,737 | ₹20,157 | ₹2,50,567 |
| Oct 2030 | ₹18,539 | ₹1,618 | ₹20,157 | ₹2,32,028 |
Nov 2030 – Oct 2031 Principal paid₹2,32,028 Interest paid₹9,855 Total paid₹2,41,884
| Month | Principal paid | Interest paid | Total paid | Balance remaining |
|---|---|---|---|---|
| Nov 2030 | ₹18,658 | ₹1,499 | ₹20,157 | ₹2,13,370 |
| Dec 2030 | ₹18,779 | ₹1,378 | ₹20,157 | ₹1,94,591 |
| Jan 2031 | ₹18,900 | ₹1,257 | ₹20,157 | ₹1,75,691 |
| Feb 2031 | ₹19,022 | ₹1,135 | ₹20,157 | ₹1,56,668 |
| Mar 2031 | ₹19,145 | ₹1,012 | ₹20,157 | ₹1,37,523 |
| Apr 2031 | ₹19,269 | ₹888 | ₹20,157 | ₹1,18,254 |
| May 2031 | ₹19,393 | ₹764 | ₹20,157 | ₹98,861 |
| Jun 2031 | ₹19,518 | ₹638 | ₹20,157 | ₹79,343 |
| Jul 2031 | ₹19,645 | ₹512 | ₹20,157 | ₹59,698 |
| Aug 2031 | ₹19,771 | ₹386 | ₹20,157 | ₹39,927 |
| Sep 2031 | ₹19,899 | ₹258 | ₹20,157 | ₹20,028 |
| Oct 2031 | ₹20,028 | ₹129 | ₹20,157 | ₹0 |
Lenders offering this product
Compare lenders side by side
Tick up to 4 lenders to compare them head to head, or apply with any lender directly.
- Lenders compared
- 20
- Rates from
- 7.75% p.a.
- Loan up to
- ₹25 Crore
- Tenure up to
- 10 yrs
— pick at least one more to compare. — showing only your picks.
| Lender | Interest rate | Loan amount | Tenure | Processing fee | Eligibility | Apply |
|---|---|---|---|---|---|---|
|
Lowest rate
Highest amount
|
Interest rate 7.75% – 8.45% p.a. Rate verified 13 Oct 2026 · lender's rates |
Loan amount ₹5 Lakh – ₹25 Crore |
Tenure 1–7 yrs |
Processing fee ₹1,250–₹875,000 + GST Fee detailsCent Business (GST-registered traders/manufacturers; TL/OD; 25% margin; Udyam reqd). MSME processing: waived up to Rs1 lakh, 0.25% Rs1-10 lakh, 0.25-0.35% above by rating + GST. ROI RBLR-based, not itemised |
Eligibility
|
Apply Now |
HDB Financial Services
NBFC / HFC
Longest tenure
|
Interest rate 8.75% – 19.00% p.a. Rate verified 13 Oct 2026 · lender's rates |
Loan amount ₹5 Lakh – ₹1 Crore |
Tenure 1–10 yrs |
Processing fee ₹11,800–₹236,000 Fee detailsEnterprise Business Loan (secured, for MSMEs) up to Rs 1 Cr; PF up to 2.36% inclusive of GST; application fee up to Rs 7,670; flat max = PF cap (Rs 7,670 was application fee) |
Eligibility
|
Apply Now |
Piramal Finance
NBFC / HFC
|
Interest rate 8.90% p.a. onwards Rate verified 13 Oct 2026 · lender's rates |
Loan amount ₹5 Lakh – ₹35 Lakh |
Tenure 1–7 yrs |
Processing fee ₹25,000–₹175,000 + GST Fee detailsPF up to 5% + taxes; max per MSME secured quarterly disclosure |
Eligibility
|
Apply Now |
Poonawalla Fincorp
NBFC / HFC
|
Interest rate 9.10% p.a. onwards Rate verified 13 Oct 2026 · lender's rates |
Loan amount ₹5 Lakh – ₹10 Crore |
Tenure 1–6 yrs |
Processing fee ₹10,000–₹2,000,000 + GST Fee detailsMachinery Loan Rs 5 lakh to Rs 10 Cr; PF up to 2% + taxes; foreclosure/part-payment 4% + taxes |
Eligibility
|
Apply Now |
|
Punjab & Sind Bank
Bank
Longest tenure
|
Interest rate 9.10% – 11.55% p.a. Rate verified 13 Oct 2026 · lender's rates |
Loan amount ₹10 Lakh – ₹10 Crore |
Tenure 1–10 yrs |
Processing fee ₹2,000–₹1,000,000 + GST Fee detailsPSB Vyapar Loan (OD/dropline/term loan, property-backed, 35% margin): 1% of loan amt, min Rs2,000 + GST. ROI 9.15-11.30% (PRLR-linked); term loan up to 10 yrs |
Eligibility
|
Apply Now |
|
UCO Bank
Bank
|
Interest rate 9.30% – 12.45% p.a. Rate verified 13 Oct 2026 · lender's rates |
Loan amount ₹5 Lakh – ₹10 Crore |
Tenure 1–7 yrs |
Processing fee ₹1,250–₹400,000 + GST Fee detailsMSE funded exposure (MSME rate page 21.12.2023): up to Rs25 lakh MCLR+1.15% = 9.85%; Rs25 lakh-1 cr MCLR+2.15% = 10.85%; above Rs1 cr 10.60-11.85%; CGTMSE mandatory up to Rs1 cr |
Eligibility
|
Apply Now |
Canara Bank
Bank
|
Interest rate 9.55% – 14.25% p.a. Rate verified 13 Oct 2026 · lender's rates |
Loan amount ₹5 Lakh – ₹10 Crore |
Tenure 1–7 yrs |
Processing fee ₹1,200–₹250,000 + GST Fee detailsMSME term loans RLLR (8.00%) + 1.30% to + 1.55% (≤₹2L) and risk-based + 1.40% to + 6.00% (₹2L–₹2 Cr); 0.50% concession for women entrepreneurs; 0.25% for CGTMSE-covered (card w.e.f. 01-Apr-2026) |
Eligibility
|
Apply Now |
Bajaj Finance
NBFC / HFC
|
Interest rate 10.00% – 18.25% p.a. Rate verified 13 Oct 2026 · lender's rates |
Loan amount ₹5 Lakh – ₹8 Crore |
Tenure 1–8 yrs |
Processing fee ₹17,700–₹3,776,000 Fee detailsSBL min salary Rs 24,000/month |
Eligibility
|
Apply Now |
Cholamandalam Finance
NBFC / HFC
|
Interest rate 10.00% – 17.00% p.a. Rate verified 13 Oct 2026 · lender's rates |
Loan amount ₹10 Lakh – ₹20 Crore |
Tenure 1–5 yrs |
Processing fee ₹20,000–₹4,000,000 + GST Fee detailsSME secured term loans / equipment finance Rs 10 lakh to Rs 20 Cr; equipment finance tenure 12-60 months; business must be profitable for last 3 financial years; IRP Dec-2025 SME term loan 10%-17%, equipment finance 9.5%-19%; PF up to 2% + GST |
Eligibility
|
Apply Now |
|
Axis Bank
Bank
Longest tenure
|
Interest rate 10.20% – 10.65% p.a. Rate verified 13 Oct 2026 · lender's rates |
Loan amount ₹5 Lakh – ₹10 Crore |
Tenure 1–10 yrs |
Processing fee ₹10,000–₹2,000,000 + GST Fee detailsLong-term business loans for self-employed/MSME (basis ITR/GST/banking conduct): PF up to 2% + taxes; foreclosure 4%/3%/2% by seasoning; rate on application |
Eligibility
|
Apply Now |
IDFC FIRST Bank
Bank
Longest tenure
|
Interest rate 10.49% p.a. onwards Rate verified 13 Oct 2026 · lender's rates |
Loan amount ₹5 Lakh – ₹10 Crore |
Tenure 1–10 yrs |
Processing fee ₹10,000–₹3,500,000 + GST Fee detailsMachinery/equipment loan up to Rs 10 crore (up to Rs 3 crore without additional collateral); 1-10 year tenure; PF typically 2%-3.5% + GST (as per IDFC business loan) |
Eligibility
|
Apply Now |
Manappuram Finance
NBFC / HFC
Longest tenure
|
Interest rate 13.00% – 22.08% p.a. Rate verified 13 Oct 2026 · lender's rates |
Loan amount ₹5 Lakh – ₹50 Lakh |
Tenure 1–10 yrs |
Processing fee ₹5,000–₹50,000 + GST Fee detailsSecured MSME business loan (collateral required); PF min 1% + tax; LTV up to 80%; min tenure 12 months (official); score 560/income Rs 25,000 per mortgage vertical |
Eligibility
|
Apply Now |
Tata Capital
NBFC / HFC
|
Interest rate 16.00% p.a. onwards Rate verified 13 Oct 2026 · lender's rates |
Loan amount ₹40,000 – ₹1 Crore |
Tenure 1–5 yrs |
Processing fee ₹1,100–₹300,000 + GST Fee detailsPF as per business loan schedule up to 3% + taxes |
Eligibility
|
Apply Now |
|
HDFC Bank
Bank
|
Interest rate 18.00% p.a. Rate verified 13 Oct 2026 · lender's rates |
Loan amount ₹5 Lakh – ₹10 Crore |
Tenure 1–7 yrs |
Processing fee ₹10,000–₹2,000,000 + GST Fee detailsMSME/SME term loans (EasyEMI SME, machinery & equipment finance); PF up to 2%, NIL for MSE up to ₹5 lakh with URC; pricing on application |
Eligibility
|
Apply Now |
|
Interest rate Check current rates Rate confirmed by the lender when you apply |
Loan amount ₹5 Lakh – ₹10 Crore |
Tenure 1–7 yrs |
Processing fee ₹15,000–₹3,000,000 + GST Fee detailsBusiness Banking term loans/working capital (SOC dated 01-01-2026): ROI up to 18%, PF up to 3%, renewal up to 1%; Emerging Enterprises up to 22% / PF up to 5% |
Eligibility
|
Apply Now | |
Aditya Birla Finance
NBFC / HFC
|
Interest rate Check current rates Rate confirmed by the lender when you apply |
Loan amount ₹10 Lakh – ₹3 Crore |
Tenure 1–7 yrs |
Processing fee ₹30,000–₹900,000 + GST Fee detailsMachinery Loan Rs 10 lakh to Rs 3 Cr, LTV up to 85%, disbursed to OEM; PF as per schedule of charges; PF up to 3% + GST (MyMoneyMantra) |
Eligibility
|
Apply Now |
|
ICICI Bank
Bank
|
Interest rate Check current rates Rate confirmed by the lender when you apply |
Loan amount ₹5 Lakh – ₹15 Crore |
Tenure 1–7 yrs |
Processing fee ₹10,000–₹3,000,000 + GST Fee detailsSecured MSME facilities: up to Repo (5.25%) + 6.0% non-PSL (CGTMSE-backed up to Repo + 6.50%); PF up to 2% + taxes; SME credit limits up to ₹15 crore; Insta secured OD from 10.75% |
Eligibility
|
Apply Now |
IndusInd Bank
Bank
|
Interest rate Check current rates Rate confirmed by the lender when you apply |
Loan amount ₹5 Lakh – ₹10 Crore |
Tenure 1–7 yrs |
Processing fee ₹15,000–₹3,000,000 + GST Fee detailsMSME term loans for expansion/capex; business vintage 3 yrs, profitable 2 yrs, turnover ₹1-250 crore; decision 14 days (<₹25 lakh) / 45 days |
Eligibility
|
Apply Now |
|
Mahindra Finance
NBFC / HFC
|
Interest rate Check current rates Rate confirmed by the lender when you apply |
Loan amount ₹1 Lakh – ₹25 Lakh |
Tenure 1–5 yrs |
Processing fee ₹2,000–₹50,000 + GST Fee detailsMachinery term loan: finances up to 80% of new machinery cost; PF up to 2% + GST; EMI calculator range Rs 1 lakh-25 lakh |
Eligibility
|
Apply Now |
|
Shriram Finance
NBFC / HFC
|
Interest rate Check current rates Rate confirmed by the lender when you apply |
Loan amount ₹1 Lakh – ₹10 Crore |
Tenure 1–7 yrs |
Processing fee ₹5,000–₹5,000,000 + GST Fee detailsSecured MSME business loan (12-84 months) from 10% fixed; PF up to 5%; foreclosure up to 4%; up to Rs 10 Cr; IRP secured BL/SME band 10%-28%; age 21-65, 3 yrs vintage |
Eligibility
|
Apply Now |
Not sure which lender fits? Check your eligibility with all 20 lenders with a single application.
Check eligibilityRates are each lender's own published figures, checked against the lender's website on the date shown. The rate, amount and approval you are offered depend on the lender's assessment of your profile — FynnEdge does not guarantee approval, disbursal or any particular rate.
Why FynnEdge?
You could go directly to a bank. But why apply for a Term Loan for Women through us?
One profile, many lenders
Share your details once — we match you against multiple lenders' criteria instead of you applying to each one separately.
Clear, upfront eligibility
See which lenders you're likely eligible for, with plain-language reasons, before you apply.
A fully online journey
Check eligibility, compare lenders and apply — all online, without a branch visit.
Free EMI & credit tools
Plan your EMI and check your credit score for free, before you commit to anything.
Guidance, not just a listing
We help you understand your options and why a lender is or isn't a fit — not just hand you a list.
No service charges
Comparing and applying through FynnEdge is free. Any lender fees are disclosed upfront by the lender.
What our customers say
-
“I contacted Fynnedge for help regarding the different types of personal loans available. The process went smoothly but it took quite long for the approval. Overall, it was a good experience.””
Kavita Iyer
Hyderabad
-
“I collaborated with Fynnedge to seek a personal loan for a specific expenditure. The process was straightforward, and the staff explained how loans functioned. The only issue was the length of the whole application process.””
Sandeep Malhotra
Chandigarh
-
“I have had a very happy experience with the Flexi Hybrid Term Loan. I found the process quite easy, although I did have to go through a lot of documentation as well as learn about all the terms and conditions of the loan first." ”
Rajesh Gupta
kanpur
Frequently asked questions
What is a Term Loan?
A Term Loan is a type of financing where the borrower receives a lump-sum amount upfront and repays it through regular EMIs over a fixed period. It can be used for business expansion, equipment purchases, working capital, or other planned expenses.
How much Term Loan can I get?
The loan amount depends on factors such as your income, business turnover, credit profile, repayment capacity, and the lender's eligibility criteria. Eligible applicants may be able to access funding of up to ₹5 Crore, subject to lender approval.
What is the interest rate on a Term Loan?
Term Loan interest rates vary based on the lender, applicant profile, loan amount, tenure, credit history, and other factors. The applicable rate is decided by the lender at the time of approval.
What is the repayment tenure for a Term Loan?
The repayment tenure depends on the lender and the applicant's profile. Depending on the loan product, eligible borrowers may get repayment periods of up to 10 years.
What can I use a Term Loan for?
A Term Loan can be used for various planned financial requirements, such as business expansion, purchasing machinery or equipment, managing working capital, refinancing existing debt, or meeting other eligible business expenses.
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