Kirana Store Loan

Looking for a Kirana store loan in India to accelerate your grocery business? We at Ziploan offers quick business loan for Kirana shop up to Rs. 7.5 lakh. You can get a quick Kirana loan online in just 3 days* after submitting few documents.

instant business loan

ZipLoan is the Lender of Choice for Small Businesses.


Minimal Documentation

No balance sheet needed


No Prepayment Charges

After first 6 EMIs


Receive Funds Within 3 Days*

Straight into your account

What is Kirana Store/Shop Loan?

Kirana loan is a type of business loan that grocery shop owners take to buy goods, renovate shops, buy a new agency, hiring new employees, buying storing equipment, etc.

With the business loan from Ziploan, you can grow your Kirana store faster than your competitors.

Features and Benefits of Kirana Shop/Store Loan

Loan for grocery stores is helpful to buy stocks, storage places, etc. Here are some of the benefits of taking grocery loans from Ziploan.

  • Equipment Finance up to Rs 7.5 lakh – We offer grocery loans for MSME ranging from Rs. 1 to 7.5 lakhs. 
  • Loan in 3 Days* - Online submission of the documents helps us process your loan application faster. We disburse the loan amount within three days* after getting your kirana loan documents.
  • Apply Online - To apply kirana loan finance fast and comfortably, we have made the entire application process online. 
  • Best Interest Rates - Our kirana loan interest rates are the best in the industry. The automated process makes our process and interest rates fair. The interest rates are offered on the basis of your business's repayment ability.
  • Flexible Repayment Tenure - Our repayment tenure starts from 12 months to 36 months. Therefore, you get enough time to repay the loan amount.
  • No Prepayment Charges - No prepayment charges after you have paid the first 6 EMIs (excluding pre-EMI).

Benefits of Kirana Store Loan

There are several things that you can do with kirana dukan loan:

  • Shop Renovation - You can use the fund to renovate your shop to make it more attractive.
  • Purchase New Agency - With the Ziploan fund, you can acquire more agencies and dealerships of the FMCG products.
  • Hire Skilled Workers - To expand your kirana business you will need skilled people. You can hire more talented workers from Ziploan fund.
  • Storage Place - To maintain the stocks you will need a place. You can rent a spacious place where you can stock the demanding products.
  • Buy Storing Equipments - Liquid items like milk, curd, and cold drinks need to be stored at a cool temperature. You can use a loan to buy deep freezers.

Eligibility Criteria of Machinery Loan

Our machinery loan eligibility criteria are simple to let more and more business individuals avail of the loan amount.

  • An established MSME with a proven business vintage of more than two years.
  • Minimum annual turnover of Rs. 10 lakhs in the previous year.
  • The business must not have any default history.
  • The income tax filed during the last year should be more than Rs. 1.5 lakhs.
  • The borrower should own either house or a business place.

Documents Required for Kirana Store Loans

 ProprietorshipPartnershipPvt. Ltd. / LLP / One Person Company
Bank statement (12 months)
Business registration proof
PAN Card
Aadhar Card
ITR of the previous two years

Cafe / Bakery Loans Fees & Interest Rates

Customized Interest RatesYes
Loan Tenureup to 36 months
Pre-closure chargesNil** after paid the first 6 EMIs
Eligibility CriteriaAnnual turnover more than Rs.10 lakh
Loan Amount₹ 1 Lakh – ₹ 7.5 Lakh

How to Apply for Kirana Store Loan

Here are three steps process to kirana loan apply online from ZipLoan:

  • Submit Application - Simply enter your personal, business, and financial info to receive a loan offer.
  • Upload Documents - Upload digital copies of your documents in a single-step process for verification.
  • Get Sanctioned - Receive your shop finance approval and disbursal within 3 working days*.


Solving Real problems

Ram Yadav

I have been running my business for over twelve years but have not been able to undertake expansion activities. I applied to Ziploan and they cleared my loan application in a very short span of time.

Kanchan Lata

I approached Ziploan for an equipment finance loan. Their eligibility criterion was easy to fulfill because it required only 2 years ITR and 10 lacs of annual banking credit.

Ready for Ziploan to
empower your business ?