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Insta Finance
Insta Finance — Small Business
Working capital for micro-merchants, kirana stores and traders.
Interest rate
12% Reducing Balance
Loan size
₹25,000 – ₹50,000 per individual
Tenure
Up to 12 months
Overview
About this product
Short-cycle credit to keep inventory moving — built around the real cash rhythms of India's micro-merchants.
Who it's for
Kirana owners, micro-traders, street vendors, service shops.
Key features
- Cash-flow underwriting
- Flexible tenure
- Top-up on good repayment
Simple Process
How to apply
- 1Field visit & shop verification
- 2GST / Udyam / shop license check (if available)
- 3Cash-flow based credit appraisal
- 4Sanction within 48 hours
- 5Disbursal & periodic collection
EMI Calculator
Plan your Insta Finance — Small Business EMI
Adjust the loan amount, rate and tenure to see your indicative monthly EMI and total payable.
₹37,500
₹25,000₹50,000
12.0%
12%12%
12 months
324
Monthly EMI
₹3,332
Total interest
₹2,482
Total payable
₹39,982
Indicative only. Final EMI depends on credit appraisal, insurance premium (1.5% borrower protection) and any applicable processing fee.
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