Kirana & Small Shop Loan
Buy more stock, add a fridge or shelves, and keep your shop running.
Is the Shop Loan right for you?
Running a small shop means always managing money: stocking up before festivals, paying suppliers on time, and saving for a fridge or new products. This loan gives you money to do that.
It is for grocery stores, general stores, stationery, cosmetics and fancy stores, mobile accessory shops and similar small shops. Send us a few details on WhatsApp. Our team will call or visit to understand your shop and suggest a sensible amount.
Payments are planned around your regular sales, so the loan supports your shop instead of straining it.
What you get
Money for stock
Buy more stock before festivals or when suppliers offer a good rate.
Grow your shop
Add a fridge, new shelves or new products.
Payments that match sales
Planned around your regular shop income.
Talk it through
Ask our team what amount makes sense for your shop.
Who can apply
- Age 21 to 60
- Runs a shop or small business, usually for a few months or more
- Lives in our service area
Documents you need
- Aadhaar card
- PAN card (or Form 60)
- Two passport-size photos
- Address proof
- Shop proof: photo, rent agreement or trade licence if you have one
- Bank statement or UPI history
Our team will confirm exactly what is needed for you.
How to get the Shop Loan
Four steps. Here is what you do, and what we do.
Step 1: Message us on WhatsApp
You: Tap any WhatsApp button and send the message. Tell us which loan you need.
We: We reply with the next steps and the documents for your loan.
Step 2: Share your documents
You: Send copies of the documents we ask for. Keep the originals ready.
We: We tell you if anything is missing. Nothing more is needed.
Step 3: Verification
You: Answer a short call, or meet our team at home or at your shop.
We: We check your details and explain the amount, interest, fees, EMI and total in writing.
Step 4: Get your money
You: Read and sign the loan agreement if you agree with the terms.
We: The money goes to your bank account, with your repayment schedule.
Work out your EMI
Your EMI (the money you pay back each month)
₹4,707
You pay ₹4,707 a month for 24 months.
- Loan
- ₹1,00,000
- Interest
- ₹12,976
- Total you pay
- ₹1,12,976
Enquire on WhatsApp for this amount (opens in a new tab)
Amounts and EMIs are a guide only, not a loan offer. Your final amount, interest and terms depend on your eligibility and company policy.
Send an enquiry
Shop Loan questions
Do I need GST or a trade licence?
Not always. Many small shops do not have one. Our team tells you which shop proofs are accepted.
Can I use the loan to improve my shop?
Yes. You can use it for stock, equipment or improving the shop.
My shop is at home. Can I apply?
Yes. Home shops are welcome.
Will someone visit my shop?
A short call or visit may be part of verification, so we can understand your shop and suggest the right amount.
Other loans you may need
Small loans for women who borrow together in a group they trust.
From ₹10,000
View details