Ojas LoansVitta & Śreṇī Śālā
Indicative eligibility and EMI arithmetic for business credit
Ojas is the software and a desk that helps you get a file ready — never the lender. No lender is empanelled with us, so nothing is submitted for you. You choose who to approach, and any loan money moves between you and them.
Free
Indicative estimate
Worked out in your browser. Nothing you type is sent.
₹0
Collateral-free routes
Mudra and CGTMSE are collateral-free by scheme design. The scheme guides on ojas.loans say who qualifies.
A person
Consultant enquiry
A free enquiry reaches a consultant, who reads the business and tells you which family of credit fits.
Direct
Between you and your lender
Any loan money moves between you and the lender you choose, never through us.
- Eligibility and EMI are computed in your browser: nothing you type is sent to us
- ₹0 to check, and never a credit-bureau pull
- Ten families of credit, each with its document checklist
What Ojas Loans is built around
Each capability is marked for what it does today.
Eligibility Checker
Three answers show the credit families that typically fit, with every rule written out.
Ten-Family Shelf
Business credit organised by what the money is for, with illustrative amount, rate and tenure bands.
EMI Calculator
Reducing-balance EMI with the full month-by-month schedule and total interest.
Consultant Enquiry
A free enquiry reaches a consultant, and a flat-fee service buys review and preparation of your file; nothing is submitted.
What works, and what to plan around
Each list is checked against the running product.
What works
- Three free tools that compute in your browser: eligibility, EMI and working-capital sizing
- A ten-family shelf with illustrative bands and a document checklist per entity type
- Four government-scheme explainers (Mudra, CGTMSE, PMEGP, Stand-Up India) and a free consultant enquiry
What to plan around
- No lender is empanelled, so nothing is submitted or sanctioned here; the file works with any lender you choose
- Nothing scores you, decides a loan or disburses one; a person reads the file and the lender decides
- Ojas is never the lender and never holds loan money: disbursal is between you and the lender
For owners who need working capital
Makers, growers, shopkeepers and service businesses who want a straight answer.
A file that shows the real business
A consultant reads your sales, order book and seasonality, then tells you which family of credit fits and what a lender will ask you to produce.
A consultant, from a free enquiry
A short enquiry on ojas.loans costs nothing and involves no credit-bureau pull. You get a reference on screen, and a consultant picks it up.
What is free, and what is paid
- The tools and the enquiry are free.
- A flat-fee application service buys a consultant’s review and preparation of your file, priced on a product page before you add it to the basket.
- Heavier advisory work is quoted in writing before it starts.
- No lender pays us today, because no lender is empanelled.
Works with the rest of Ojas
If your orders, tax invoices and books are already on Ojas, the file can be assembled from records you keep anyway. A consultant does that assembly by hand, and nothing scores it.
Are you a credit advisor, CA, or MSME consultant? See how to partner with Ojas.
Estimate your loan and monthly EMI — free
Set your business type, yearly sales and the amount you need. It is arithmetic on this page, not a lender’s answer.
Tap “Show my indicative EMI” for a rough, free estimate.
The businesses we run, and the one thing they all sell through
Selling sits at the centre — the shop, the orders, the payments and the books. Every business we run sells through that same middle, which is why one sign-in carries your account, your team and your data across all of them.
- Live
Commerce
What every one of them sells through
Your shop, your orders and getting paid — a catalogue customers can browse, one cart and checkout, UPI and cards on Razorpay and Cashfree, and stock that can’t be sold twice. Our own storefronts, Ojas Events included, sell through it.
Explore Commerce - Live
Ojas Events
- Live in part
Pūjāvāni
- Live in part
Ojas Legal
- You’re here
Ojas Loans
- Live in part
Ojas Care
- Live in part
Ojas Plus
- Live in part
IKS Homes
- Not started
Ojas Exchange
- Live in part
Ojas Agriculture
- Live in part
Ojas Academy
- Not started
Śabdaśālā
Ready to explore Ojas Loans?
Tell us what you would run on it, and we will tell you plainly whether it fits.
Talk to our TeamBack to Studio