0% Application Fee
Save from day one — no hidden costs.
No Hidden Charges
Complete transparency. What we promise is what you get.
Fast Approval
Approval within 48 hours — money directly in your bank account.
Friendly EMIs
Repayments designed around your Business’s cash flow.
Our Presence
We are spread across the country with strong reach and impact.
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HOW ITS WORKS
Get Your Shopkeeper Loan Offer in just 2 Minutes
01.
KYC Verification
We securely verify your PAN, Aadhaar, and basic business details as per government rules to keep your loan process smooth and safe.
02.
Bank Statement
Upload your last 6 months’ bank statement or fetch it instantly via OTP for faster processing.
03.
Loan Eligibility
Your loan eligibility is calculated using your banking and business performance to offer you the best possible loan amount.
Our Feature
We Understand the Real Problems of a Shopkeeper
| Common Problems Shopkeeper Face | How Vedika Finance Helps |
|---|---|
| Money gets stuck in stock & credit | Fast working capital so your cash never stops moving |
| Best-selling items run out of stock | Easy loans to refill fast-moving items on time |
| Customers shift to big stores & apps | Strong stock so you compete with confidence |
| Banks are slow and ask many documents | Simple process with minimal paperwork |
| Fear of agents and hidden charges | Clear pricing. No agents. No surprises. |
| Empty shelves = Lost customers | Steady inventory that keeps customers coming back |
Get Loan
How to Get Started?
Loan Features
- 0% Processing Fee: No hidden charges
- Fast Disbursement: Loan disbursement within 48 hours
- Easy EMIs: Based on your business cash flow
- No Collateral: No guarantor required
- Minimal Documentation
Eligibility
- Business Vintage: At least 2 years
- CIBIL Score: 675+
- Work Status: Self-employed
- Age: 18–60 years
- Documents: Aadhaar / Passport / Voter’s ID / Driving License / PAN Card / Proof of Business Ownership / Other Financial Documents
How to Apply
- Fill out the application form now :-
- Call us: +91 94317 10000
OR
Fill out the form online. Fast. Simple.
Apply Now
Client testimonial and real success stories read
My Business used to run out of oil and atta every week. With Vedika’s loan, I restock on time. No hidden charges, EMI is easy, and customers are coming back.
The process was very simple. Money came fast and directly to my account. I increased my stock and my sales are better now.
Festival season was always difficult. With Vedika loan, I bought stock in advance and my sales increased a lot.
Frequently Asked Questions About Shopkeeper Loan
A Shopkeeper Loan is a business loan designed for retail shop owners to help manage working capital, stock purchases, shop renovation, business expansion, or other business needs.
No. Vedika Finance offers unsecured Shopkeeper Loans, which means you do not need to provide any property, gold, or other assets as security.
You can apply by submitting basic business and KYC documents. Our team will assist you throughout the loan process.
Vedika Finance offers quick approvals, minimal documentation, competitive interest rates, flexible repayment options, and personalized service.
Yes. You can start your application online and our team will guide you through the remaining process.
The loan amount depends on your business profile, repayment capacity, and eligibility criteria determined during the assessment process.
Generally, you will need: Aadhaar Card PAN Card Shop Address Proof Business Proof (if available) Bank Statements Recent Photograph
GST Certificate, Shop & Establishment License, Udyam Registration, Trade License, or any other valid business-related document may be accepted.
