Axis Finance Limited (AFL) has announced the launch of the Vyapar Business Loan, a collateral-free credit offering aimed at strengthening access to formal finance for micro and small businesses across semi-urban and rural India.
The Vyapar Business Loan has been designed to support micro and small entrepreneurs operating in the retail, trading, and services sectors by providing loans of up to ₹10 lakh with flexible repayment tenures and zero collateral requirements.
The offering addresses key financing needs such as working capital management, business expansion, and equipment upgrades, while ensuring a simplified application process and minimal documentation for faster access to credit.
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Vyapar Business Loan: Focus on Inclusive Financing for Self-Employed Entrepreneurs
With a streamlined and technology-driven approach, the Vyapar Business Loan enables shopkeepers, traders, and service providers to access funds quickly and efficiently.
By reducing procedural complexity, the product aims to serve India’s vast self-employed community and help small businesses scale operations without the burden of asset-backed borrowing.
Commenting on the launch, Sai Giridhar, MD & CEO, Axis Finance Limited, said that micro and small entrepreneurs play a vital role in India’s economic growth.
He stated that through the Vyapar Business Loan, Axis Finance seeks to make formal credit more inclusive by offering collateral-free financing solutions that allow business owners to enhance working capital, expand operations, and pursue growth with greater confidence.
He further added that Axis Finance continues to leverage technology and data-driven underwriting to deliver faster turnaround times and customer-friendly lending experiences.
According to him, the Vyapar Business Loan represents an important milestone in the company’s efforts to provide simple, secure, and scalable credit solutions for India’s self-employed segment.
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Earlier in the current financial year, Axis Finance expanded its product portfolio with the launch of Disha Home Loans, aimed at improving homeownership access for Economically Weaker Section (EWS) and Low-Income Group (LIG) segments, along with Axis Finance Shakti, a Micro Loan Against Property (Micro LAP) product for micro-entrepreneurs and self-employed individuals.
The introduction of the Vyapar Business Loan further reinforces AFL’s commitment to inclusive lending and grassroots economic development.
Axis Finance continues to strengthen its presence across secured and unsecured lending segments, supported by advanced technology platforms, robust underwriting systems, and an extensive distribution network focused on delivering a seamless customer experience across emerging markets in India.
