Kirana Shop Loan
Working capital for the corner store.
A short-tenure business loan for neighbourhood retail: stock refills, festival buying, refrigeration and shop upgrades. Underwritten on UPI inflows and shop turnover.
Built for these borrowers.
- Kirana / general-store owners
- Small pharmacies, bakeries, dairy outlets
- Chemist and stationery shops
What we'll need from you.
Eligibility
- Shop operating for 12+ months
- Monthly UPI/POS turnover ≥ ₹1 Lakh
- Age 25–60
- PAN, Aadhaar, and shop address proof
- GST optional but improves ticket size
Documents
- PAN and Aadhaar of proprietor
- Shop & Establishment / Gumasta / Udyam registration
- Last six months' bank statement
- UPI QR or POS statement for the last three months
- GST return (if registered)
What borrowers actually use this for.
- Festive-season stock buildup
- New refrigeration or shelving
- Diversifying into new categories (FMCG, cosmetics, dairy)
- Bridging a slow month between wholesale credit cycles
See what kirana shop loan will cost you.
Answers to what people ask.
Do I need a formal business registration?
Shop & Establishment / Gumasta or Udyam is enough. Full GST helps with a larger sanctioned amount.
How is repayment structured?
Standard monthly EMI, auto-debited from your business current account. Weekly repayment can be arranged for very short tenures.
Can I use this loan to pay suppliers?
Yes. The loan can be disbursed to your account or, on request, directly to a named supplier for verified invoices.
What if my UPI turnover fluctuates seasonally?
That's the norm for kirana. The lending partner accounts for a full year of turnover, not just the last quarter.
Is any collateral required?
No. This is an unsecured business loan up to the sanctioned limit. Larger tickets may require a co-applicant.
