About this scheme
Razorpay Capital provides cashflow-based working capital to Razorpay merchants. Uses payment processing data (vs traditional credit history) for instant credit. Loans up to Rs. 1 Cr, daily/weekly repayment.
What you get
- Loan amount: Rs. 50K to Rs. 1 Cr
- No collateral; cashflow-based
- Disbursal in 24 hours typical
- Daily/weekly auto-deduct from settlement
- Interest 14-22% per annum
- No early repayment penalty
Who qualifies
Indian businesses using Razorpay for payment processing for 3+ months. Monthly processing volume Rs. 5 lakh+. All sectors except regulated/restricted.
All industries qualify (no NIC restriction).
Business types
ProprietorshipsPartnershipsPrivate LimitedLLPsOne Person Companies
Available across India (central scheme).
How to apply
- 1Active Razorpay payment account
- 2Loan offer surfaced in Razorpay dashboard
- 3Accept + e-sign agreement
- 4Disbursement to bank within 24 hours
- 5Auto-deduct from daily settlements
Key terms and conditions
- Auto-deduction from settlement is mandatory
- No foreclosure penalty
- Monthly review of processing volume
What disqualifies you
- Non-Razorpay merchants ineligible
- Volume below threshold: lower offer or rejection
- Disputed transactions reduce credit limit
Documents typically required
- Razorpay payment processing account
- GST (if applicable)
- PAN
- Aadhaar
The content above is compiled from public information published by the scheme authority. Eligibility, benefits, and procedures are subject to change. Confirm details directly with the official portal before applying. BharatSeal does not process scheme applications.