Important: This is an indicative tool only — not a credit decision
The output of this tool is an estimate based solely on what you tell us. It is not a loan offer, credit sanction, or in-principle approval. No lender is party to this tool. Any actual credit decision will be made independently by the financial institution you approach, after its own full assessment.
What this tool does — and what it does not do
What it does
- Asks you 12 questions about your business, financials, and credit profile
- Produces an indicative borrowing range based on your answers
- Identifies the factors most likely to affect your eligibility
- Suggests what to strengthen before approaching a lender
What it does not do
- Access or check your CIBIL, Experian, or any credit bureau score
- Constitute a credit appraisal by any bank or NBFC
- Guarantee or predict any lender's actual decision
- Verify any information you provide
- Constitute financial advice of any kind
Full Disclaimer — please read carefully
1. This is not a credit decision
The SME Credit Eligibility Indicator is a self-assessment tool that generates an indicative borrowing range based on the information you enter. It is not a credit appraisal, credit rating, credit score, loan sanction, in-principle approval, or any form of commitment by any financial institution. No lender is party to this tool or bound by its output in any way.
2. Financial institutions will conduct their own full assessment
Any bank, NBFC, or other regulated lender will independently verify all information you provide, conduct its own credit appraisal, obtain credit bureau reports (CIBIL, Experian, CRIF, Equifax), review audited financial statements, inspect collateral, and apply its own internal credit policies and risk appetite. The output of this tool has no bearing on that process.
3. The indicative range may be materially wrong
The range produced by this tool is based solely on the answers you provide. It does not account for your actual credit bureau score, existing loan obligations not disclosed here, the specific policies of any lender, sector-specific lending restrictions, RBI guidelines applicable to your entity type, or any other factor a lender would consider. The actual amount a lender offers — if any — may be significantly higher, lower, or zero.
4. Accuracy depends entirely on the information you provide
This tool cannot verify any information you enter. If the figures you provide are estimates, rounded, or inaccurate, the output will be correspondingly unreliable. You are solely responsible for the accuracy of the information you enter.
5. Not regulated financial advice
Vayura Global Ventures LLP (SME Doctor) is not a bank, NBFC, credit rating agency, or SEBI-registered investment adviser. This tool does not constitute financial advice, investment advice, or any regulated service under the Banking Regulation Act, the RBI Act, the SEBI Act, or any other statute. Nothing in this tool should be relied upon as a substitute for advice from a qualified financial professional or a regulated lender.
6. No liability for decisions made on the basis of this output
Vayura Global Ventures LLP accepts no liability whatsoever for any decision — including any borrowing decision, business decision, or financial commitment — made in reliance on the output of this tool. The tool is provided strictly on an "as is, for indicative purposes only" basis.
7. Data handling
The information you enter is used solely to generate your indicative result within this session. If you choose to receive your result by email, your contact details and responses are stored by Vayura Global Ventures LLP for up to 3 years in accordance with our Privacy Policy. We do not share your data with any lender, credit bureau, or third party without your explicit consent.