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Compare Ftcash vs Dhan Laxmi Bank Business Loan

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Interest Rate
Interest Rate
18.00% - 24.00%
10.50% - 13.10%
Processing Fees
Processing Fees
2% of loan amount
Upto 3% of the loan amount
Loan Amount
Loan Amount
₹ 50,000 to ₹ 1 Cr
₹ 10 Lakh to ₹ 5 Cr
Loan Tenure
Loan Tenure
1 to 36 Months
12 to 60 Months
Lowest EMI Per Lakh
Lowest EMI Per Lakh
₹ 3,615
₹ 2,149
Part Payment Charges
Part Payment Charges
Not Allowed
Allowed after 6 months at 3%
Foreclosure Charges
Foreclosure Charges
Allowed after 1 month at Nil foreclosure charges
Allowed after 0 months at 2 - 5%
Eligible Age
Eligible Age
21 to 65 Years
23 to 65 Years
Minimum Years in Business Required
Minimum Years in Business Required
12 Months
48 Months
Minimum Turnover Required
Minimum Turnover Required
₹ 6 Lakh
₹ 0
Customer Ratings (Read Reviews)
Customer Ratings (Read Reviews)
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Compare Business Loan EMI of Ftcash and Dhan Laxmi Bank

Loan Amount Ftcash Dhan Laxmi Bank
₹ 1 Lakh ₹ 3,615 ₹ 2,149
₹ 5 Lakh ₹ 18,076 ₹ 10,747
₹ 10 Lakh ₹ 36,152 ₹ 21,494
₹ 15 Lakh ₹ 54,229 ₹ 32,241

Which is a better bank for Business Loan – Dhan Laxmi Bank or Ftcash?

Dhan Laxmi Bank offers lower Business Loan EMI at Rs. 2149 for 60 Months compared to Ftcash with a minimum EMI of Rs. 3615 for 36 Months. In addition, average customer ratings for Dhan Laxmi Bank is currently at /5.0, making it a good choice for taking a Business Loan.

How does Dhan Laxmi Bank Business Loan compare with Ftcash Business Loan?

A detailed comparison of Dhan Laxmi Bank and Ftcash Business Loan on various terms and conditions highlight key differences in their offerings and allows the customer to take an choose the best bank for Business Loan. Results of a comparative analysis between both banks highlight that:

  • Lowest Interest rate of Dhan Laxmi Bank Loan is 10.50%, which is lower than the lowest interest rate of Ftcash at 18.00%. Hence, Dhan Laxmi Bank is offering a cheaper loan option.
  • Compared to other Business Loan charges such as processing fees, Ftcash charges a processing fee of 2% of loan amount, while Dhan Laxmi Bank charges a processing fee of Upto Upto 3% of the loan amount.
  • Dhan Laxmi Bank offers Business Loan upto an amount of ₹ 5 Cr, while Ftcash offers Loan upto an amount of ₹ 1 Cr. Therefore, Dhan Laxmi Bank can be a better option if you are looking for a high value amount.
  • One feature that makes Business Loan a better option is the foreclosure facility. Dhan Laxmi Bank gives the option to close the loan after Zero months at 2 - 5% and Ftcash gives the option to close the loan after 1 months at Nil foreclosure charges. This makes Dhan Laxmi Bank a better option for Business Loan.
  • Dhan Laxmi Bank allows part payment on Business Loan after 6 months at 3%, while Ftcash does not offer a part payment facility. This makes Dhan Laxmi Bank a better option for customers who want to retain the flexibility of reducing their loans whenever they have surplus funds available.
  • Dhan Laxmi Bank gives business loan at a minimum turnover of ₹ 0 . However, the turnover requirement for a business loan from Ftcash is ₹ 6 Lakh. Hence, small businesses may find is easier to get a loan from Dhan Laxmi Bank.
  • Ftcash can be a better option if you are looking for fund requirements after 12 months. Dhan Laxmi Bank offers a business loan once if business is 48 months old. Hence, Ftcash should be a preferred choice for relatively new enterprises.
  • with an average customer rating of is equally comparable to with an average customer rating of . Hence, the customer can expect the same kind of service levels from these banks.

Which bank offers a lower interest rate on Business Loan – Dhan Laxmi Bank or Ftcash?

As per the current rates, Dhan Laxmi Bank offers a lower interest rate of 10.50% on loans compared to Ftcash, which offers a Business Loan at 18.00%.

Know all about Business Loan

Know more about Ftcash Business Loan

Know more about Dhan Laxmi Bank Business Loan

Compare Ftcash Business Loan With Other Banks

Compare Dhan Laxmi Bank Business Loan With Other Banks

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