The Product Features are flexible and specially designed for the specific needs of Small Businesses. The flexibility of features permits the loan to be tailored to suit different requirements of range of businesses.


12 months to 36 months, based on loan amount


Loan amount up to Rs.10,00,000


: Customer should be more than 25 years of age but not more than 65 years at the time of loan maturity. (Only with Loan track record upto 22 years)
Borrower should have bank account
Turnover > 10 Lakhs
Borrower should have minimum 2 Year Experience in existing business.
Borrower should be residing in a city where Vipra’s Office is located.
Collateral-free term loans of up to 36 months for growth of your business

Documents Required:

Vipra requires the standard KYC documents along with duly filled application forms to get started

Application Form with all required details filled in.
Identity proof such as Pan Card, Voters ID Card, Passport.
Address proof such as electricity bill, ration card, Gas Connection etc.
Copy of the Partnership deed (if available).
Copy of either Shop & Establishment License / VAT Registration or any other mandatory license / registration.
Copy of last 3 years Income Tax Returns of the applicant along with computation of income duly attested by a Chartered Accountant
Copy of last 3 Years Balance Sheet and Profit & Loss Account of the firm duly attested by a Chartered Accountant.
Bank statement for the last 1 year for Saving A/c & Current A/c.
1 Year Bank Pass book or Bank Statement.
Property documents which property to be mortgage.
Note: Original documents are required for verification purpose only

Repayment Mode:


End Use:

Working Capital requirements, Asset Purchase, investment, Business Expansion, Debt Consolidation, Home or Shop Renovation or Improvement.