About

Karobaar Loan Khata is an independent information site for owners and finance staff of micro, small and medium enterprises in India who are thinking about borrowing: proprietors, partners and directors of shops, workshops, service firms, traders and small manufacturers. It explains how banks, small finance banks and NBFCs price business loans, which charges you pay, how government schemes such as CGTMSE and PM Mudra Yojana work, which RBI rules protect MSME borrowers in 2026, and how to do the key calculations yourself.

Every guide states the rule or formula it relies on, shows the arithmetic in rupees and points to the official source: the Reserve Bank of India, the Ministry of MSME and the Udyam portal, CGTMSE, MUDRA, SIDBI and the RBI Ombudsman. Numbers in worked examples are illustrative and are labelled as such.

We do not lend, arrange loans, collect applications or rank lenders, and no lender has paid for any content. We do not publish live interest rates, because they change often and depend on your profile; check the lender's website and Key Fact Statement. The site does not cover personal loans, home loans or agricultural credit. Nothing here is financial, legal or tax advice; for a restructuring, a recovery notice, security over your home or a large project loan, consult a chartered accountant or an advocate.

How this site is made

Karobaar Loan Khata is an independent information project. Guides are drafted with the help of AI writing tools and checked against official and primary sources before publication; see our Editorial Policy. We are not affiliated with any provider mentioned on the site and do not sell products or services.