Ranked by real, individually-verified interest rate — a mix of major banks, small finance banks, and specialist NBFCs for collateral-free MSME funding.
The Top 10
Re-confirmed, then gap-filled
Every lender here was individually researched and confirmed as currently open for applications. A prior existing pool of 8 lenders was already fresh (researched 2 days before this list) and needed only light re-confirmation; 4 new lenders were added after a market survey — including one, Lendingkart, whose rate a third-party aggregator claimed had risen, which direct verification against the lender's own page disproved.
A "+" after a rate means that lender only discloses a floor rate with no published ceiling. Most lenders here offer collateral-free funding up to a stated ceiling (often ₹50L-₹1 crore) — check each lender's own page for its specific limit and eligibility criteria before assuming you'd qualify for the floor rate shown.
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