Since 2003
Financial & Industrial Funding Solutions
Industrial finance
that actually
gets approved.
₹1,500Cr+
sanctioned
1,200+
clients
25+
banking partners
21 yrs
experience
ઉદ્યોગોને સક્ષમ બનાવો — ₹25 લાખ થી ₹500 કરોડ
We help Gujarat, Mumbai & Pan-India manufacturers secure MSME loans, machinery finance, SIDBI loans, and government subsidies. Zero upfront fee.
Answer 3 quick questions to see which loans you qualify for.
Free tool
Check your eligibility in 30 seconds
Answer 3 quick questions to see which loans you qualify for.
Industrial Loans
Every loan your
factory will ever need.
Most PopularProject Finance / Term Loan
Long-term structured financing from ₹50 Lakh to ₹500 Crore for greenfield factories or large-scale expansions. We structure, negotiate and manage disbursement end-to-end.
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High DemandMachinery Loan
Finance new or used industrial machinery — with or without collateral — across Gujarat & Mumbai. Approval in as little as 48 hours.
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Collateral-FreeCGTMSE Loan
Borrow up to ₹5 Crore without pledging any property. Government-backed guarantee for new and existing MSMEs.
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Lowest RateSIDBI Loan
India's apex MSME bank offers subsidised rates from 7.5%. We are recognized SIDBI loan agents in Ahmedabad and Gujarat.
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MSME Loan
Structured credit facilities under the MSME Development Act — working capital, term loans, and overdraft limits.
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Working Capital
Cash credit, OD limits, and bill discounting to keep operations running — raw material, salary, and receivable management.
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Loan Against Property
Unlock the equity in your factory, warehouse or commercial property. Get higher loan amounts at secured rates, with long repayment tenures.
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Fast DisbursalUnsecured Business Loan
Need funds fast without pledging assets? Loans sanctioned on your GST turnover and banking — no property required. Disbursal often within a week.
Learn more →EMI Calculator
Plan your repayment
before you apply.
💡 Stack Gujarat interest subsidy + CLCSS + capital subsidy and your effective rate can drop below 4%. See subsidy guide →
Bar shows principal as % of total payable. A lower interest rate or shorter tenure means a longer bar.
⚠ Indicative figures only
Rates, amounts, EMI and eligibility shown here are indicative and may vary based on your credit profile, lender policies and current scheme guidelines. Final figures are confirmed by our team — call or WhatsApp us for an exact quote.
Get confirmed figures on WhatsAppBank Comparison
Compare every lender
side by side.
We have helped sanction ₹500 Cr+ through our 25+ banking partners. Here's how the major lenders compare for MSME loans — so you can make an informed choice.
| Lender | Rate | Max loan | Collateral | Speed | Best for |
|---|---|---|---|---|---|
 State Bank of India PSU · Largest MSME lender in India | 8.00 – 10% | ₹500 Cr+ | Required | 15–30 days | Best PSU rate |
 Bank of Baroda PSU · Strong MSME network in Gujarat | 8.15 – 10% | ₹500 Cr+ | Required | 15–25 days | Gujarat focus |
 Punjab National Bank PSU · Large MSME portfolio pan-India | 8.25 – 10% | ₹500 Cr+ | Required | 15–30 days | North India |
 Union Bank of India PSU · CGTMSE & MUDRA specialist | 8.30 – 10% | ₹500 Cr+ | Optional | 15–25 days | CGTMSE loans |
 Canara Bank PSU · Competitive MSME schemes | 8.40 – 10% | ₹500 Cr+ | Required | 20–30 days | Scheme loans |
 Bank of India PSU · Pan-India manufacturing loans | 8.50 – 10% | ₹500 Cr+ | Required | 20–30 days | Manufacturing |
 Indian Bank PSU · Machinery & equipment finance | 8.55 – 10% | ₹500 Cr+ | Required | 20–35 days | Machinery loans |
 Central Bank of India PSU · MSME & PMEGP schemes | 8.60 – 10% | ₹500 Cr+ | Optional | 20–35 days | PMEGP subsidy |
 Bank of Maharashtra PSU · Western India MSME focus | 8.65 – 10% | ₹500 Cr+ | Required | 20–35 days | Maharashtra MSMEs |
 UCO Bank PSU · Eastern India & pan-India branches | 8.70 – 10% | ₹500 Cr+ | Required | 20–40 days | Small MSME loans |
 Indian Overseas Bank PSU · South India & export finance | 8.75 – 10% | ₹500 Cr+ | Required | 20–40 days | Export-linked loans |
 Punjab & Sind Bank PSU · North India MSME lending | 8.80 – 10% | ₹500 Cr+ | Required | 25–40 days | Punjab region MSMEs |
 HDFC Bank Private · #1 private sector MSME lender in India | 10.75 – 22% | ₹500 Cr+ | Optional | 7–15 days | Fast approval |
Rates as of June 2026. Indicative only — actual rates depend on credit profile, collateral & scheme.
⚠ Indicative figures only
Rates, loan amounts, subsidy percentages and eligibility shown here are indicative. Actual figures depend on your credit profile, lender policies, project details and current scheme availability. Final confirmation is provided by our team over phone, WhatsApp or email — at no cost.
Confirm on WhatsApp — it's freeSubsidy Finder
Which subsidies does
your business qualify for?
Answer 4 quick questions. We'll show you exactly which Gujarat & Central government subsidies you're eligible to claim.
What type of project is this?
This determines which state and central schemes apply
Coverage
Serving 39+ cities
across India.
Client stories
Real manufacturers,
real results.
"Stuck for 8 months getting our machinery loan approved. Ashirvad sorted every document, placed us with the right bank, and we got sanction in 18 days. Their knowledge of the banking system is genuinely unmatched."
"Set up a new textile unit in Surat. Not only did they get us a term loan at 8.5% — they also secured ₹8 Crore in Gujarat subsidies we didn't even know we qualified for. Incredible service."
"As a first-time entrepreneur the loan process felt impossible. Ashirvad handled everything — project report to final disbursement. I just focused on building my business. Would strongly recommend."
Since 2003
21+ years of expertise
Who we are
Manish Yadav
Financial Consultant & Founder, Ashirvad Consultancy
With over 21 years in MSME finance, Manish has helped 1,200+ manufacturers across Gujarat and Maharashtra secure ₹1,500Cr+ in loans — from small machinery loans to large-scale project finance.
His speciality is subsidy stacking— identifying every Gujarat and central government incentive a unit qualifies for alongside the loan, saving clients crores they didn't know they were entitled to.
FAQ
Common questions
What does an MSME loan consultant in Gujarat do?
We assess your eligibility, prepare a banker-ready application and project report, match you to the right lender from 25+ banking partners, negotiate the rate, and manage the file through sanction and disbursement — plus we identify and claim every government subsidy you qualify for.
Do you charge any upfront fee?
No. Our first consultation and eligibility assessment are completely free. Any professional fee is success-based and disclosed transparently before you commit.
Which cities do you serve?
We serve all major industrial cities in Gujarat, the Mumbai & Maharashtra region, and key manufacturing hubs across Pan-India including Delhi NCR, Bangalore, Hyderabad, Indore and Coimbatore.
Can you help me get a loan without collateral?
Yes. Through the government-backed CGTMSE scheme we arrange collateral-free MSME loans up to ₹5 Crore for both new and existing units.
Free first consultation
Let's get your
loan approved.
We assess your eligibility, identify every applicable scheme, and build a banker-ready application — completely free at the first meeting. No spam, no pressure.