written by | March 23, 2022

Is Flipkart Seller Loan Beneficial and How to Avail It?

Flipkart is one of the most versatile e-commerce platforms in India. Selling on Flipkart is undoubtedly a great business, and if you've got the right product, you can generate greater revenue. Expanding business on Flipkart doesn't take time to get enough customer reviews and ratings. 

Flipkart is a great spot for buyers, but Flipkart doesn't leave the sellers behind. You can avail of a Flipkart loan and push your business forward, and you won't face financial issues while running a Flipkart seller business.

If you encounter a sudden surge in your products’ demand on Flipkart, then such a loan can be highly beneficial. You can use this loan's funds to reduce liabilities, stick up inventory, maintain financial liquidity, pay off short-term expenditures, and create seller goodwill.

Did you know?

Head of Fintech and Payments Group, Ranjith Boyanapalli, said that the main target of Flipkart's fintech arm is to use the power of technology to empower financial inclusion within India.

The 'Growth Capital' program helps reach a traditionally underserved market. Hence, financial services become more accessible, which empowers the Flipkart seller community to realise their desire to grow their business.

He adds that the Fintech journey's natural progression's main goal through the Flipkart loan is to empower the seller community with low-interest and easily accessible financing options.

How Do I Apply for Flipkart Seller Loan?

Beginning an enterprise of your own is a worthy business idea. However, as we all know, it's not as simple as it appears. One of the most difficult problems people face when starting new businesses is capital. 

Business loans are among the most efficient financial options available to entrepreneurs just starting. Firms like partnerships, proprietorships, and private limited companies can get a business loan.

There are two main kinds of business loans readily available:

Secured business loan: The procedure promises the bank to return the amount of money you borrowed from them or mortgage your valuable personal possessions to the bank to guarantee the money you are borrowing. These loans are characterised by low-interest rates, particularly when offered as collateral. 

Unsecured Business loan: You don't need to provide collateral or other money for the loan amount here. However, the interest rates are higher.Also, salary distributions become a daunting task when your business grows and you start employing people due to different calculations. Don't worry; just use a salary calculator and appreciate exact salary distribution results.

Also Read: Guide to Starting a Flipkart Delivery Franchise

Types of Flipkart Seller Loans

1.     Short Term Loan with a 1-year repayment time.

2.     Intermediate loan with 1-3 years repayment time range.

3.     Long Term Loan with 3-5 years repayment time range. 

Eligibility Criteria for Flipkart Loan

These eligibility criteria are worth keeping in mind before applying for your Flipkart business loan:

  • The minimum applicant minimum age should be 21 years, while 65 years is the maximum limit.
  • Your minimum annual income should be ₹1.50 lakhs
  • ₹25,000 minimum loan amount 
  • ₹2 crores maximum loan amount 

Documents Required

Like other various types of loans, you'll have to submit a few necessary documents for Flipkart business loans:

  • Identity Proof: Passport/driving license/PAN card/voter's card
  • Age Proof
  • Signature Proof: Bank verified signature/PAN card/passport 
  • Residential Address Proof: LIC policy receipt /ration card /utility bill/rental agreement
  • Income Proof: Can be bank statements of last three months, IT Returns of last two years, proof of turnover, etc 
  • Bank-issued Certificate of continuity of your current business 

Why Should You Advertise Your Products on Flipkart?

Selling your items on Flipkart will increase your visibility and the likelihood of attracting potential buyers. Marketplaces for businesses online are among the many ways to make money offered. To join the marketplace, you'll require a few of the necessary documents. Flipkart is a great platform for entrepreneurs who want to launch their online businesses.

Flipkart seller hub makes it easy for both established and new merchants to market their products online. Due to the huge number of buyers on marketplaces online, there is a great chance to expand your internet-based business. Marketplaces on the internet let you sell products and then charge vendors an amount of commission for each transaction you complete.

Most of us know about Flipkart because it's such a popular e-commerce shop that sells everything we'd like. We buy our most-loved items or the ones that first caught our attention on this site. But we realise that Flipkart is much more than that and is a unique business opportunity.

Who Can Sell Their Products on Flipkart?

Flipkart is India's most popular online marketplace. If you're a manufacturer, supplier, or vendor, simply sell your goods online with Flipkart and use your money to become the best online player. This Flipkart seller account is focused on helping and instructing sellers throughout India. It provides a team of experts who offer special seminars for sellers and preparation, assistance for sellers and a useful seller portal.

It makes use of third-party e-commerce service providers who aid in the classification, logistics and packaging equipment. The Seller Protection Program is designed to safeguard merchants from damage by reimbursing them via the Seller Protection Fund (SPF). They offer Flipkart Fulfillment Services that ensure rapid delivery of your products, quality control and excellent packaging.

You also enjoy the industry's fastest payouts and a great seller's entrance. It's no surprise that Flipkart is India's top marketplace online. It's easy and free to sell your products on Flipkart. Just sign-up and list your items, and then straight away begin selling.

As a Flipkart vendor, you can also be a part of this story. But, many do not feel confident about selling online. It seems difficult, but actually, it's not. Flipkart has done more than satisfy its customers and its sellers.

Let's examine the procedure of Flipkart sellers registration. We're confident that the following information will help you grow your business through Flipkart.

Also Read: What is the Difference Between Commerce and Business?

How Can I Validate a Flipkart Seller Account?

Here's the procedure for attaining quick business approval for selling on Flipkart:

  • Log in to your Flipkart account after registering it. 
  • Select “Add New Listing” in the Listing option.
  • Figure out where you want to build your new catalogue by tapping Browse Categories.
  • Select the right product for your brand.
  • One application form will appear soon after you tap Apply for Brand Approval.
  • Fill in all vital information in that form, including your brand's name, website, description, logo, manufacturer, sub-categories, etc.
  • Tap submit and complete the application. 

Flipkart will take some time to review your details in the application, and when everything seems alright, Flipkart will approve it. You can check the account's approval status through the listing feature option.


Opening a Flipkart seller account, starting selling products, or applying for the Flipkart seller loan, each process is free from hassle. You enjoy great support, and most importantly, you don't need to pay high-interest rates anyway. Procuring a Flipkart seller loan doesn't need anything more than some legal documents, clearance to a few eligibility criteria, and trust in yourself for repaying the loan.

Follow Khatabook for the latest updates, news blogs, and articles related to micro, small and medium businesses (MSMEs), business tips, income tax, GST, salary, and accounting.


Q: What's a Partnership Firm for a seller in Flipkart?


Two or more sellers are combinedly carrying on the business means a partnership firm on Flipkart. According to Partnership Deed's predefined provisions (duties, obligations, profit-sharing, etc.), these partners manage the firm. 

Advantages of Partnership Firm:

  • Risks are pooled between partnership
  • Simple to begin
  • No need to file yearly returns 
  • Registration is optional 
  • Shutting down is easy

Q: Are Flipkart Loans available for individual sellers and small companies too?


Yes,Flipkart's loan is available to all those who pass the eligibility criteria and terms of the loan. The main purpose of this seller loan is to help small-scale sellers and the thriving Flipkart seller community.

Q: How fast can I avail a Flipkart Seller Loan online?


You'll be amazed to know that the process of availing a Flipkart seller loan is much faster than other business types' loans that banks offer. However, the process may get long if you don't provide your genuine document. If you do everything correctly, the loan processing may complete within hours only. After you pass the verification process, you’re free to use the funds.

Q: Is GST compulsory to be eligible to sell on Flipkart?


If you're a Flipkart supplier selling taxable products, then GST is a must. You can't sell if you violate any rule, and if you still attempt to do so, you may face penalties, and such penalties are huge sometimes

Q: What is the minimum limit of a product I can sell on Flipkart?


Flipkart is among the most user-friendly selling platforms in India. After confirming all relevant papers and completing the seller's profile, the seller is free to start listing and selling products. Having a minimum of one listing for unique products is mandatory to start selling on Flipkart. You don't have any specific limit of Flipkart in terms of product quantity, and we'd advise you to have a minimum of 5.

Disclaimer :
The information, product and services provided on this website are provided on an “as is” and “as available” basis without any warranty or representation, express or implied. Khatabook Blogs are meant purely for educational discussion of financial products and services. Khatabook does not make a guarantee that the service will meet your requirements, or that it will be uninterrupted, timely and secure, and that errors, if any, will be corrected. The material and information contained herein is for general information purposes only. Consult a professional before relying on the information to make any legal, financial or business decisions. Use this information strictly at your own risk. Khatabook will not be liable for any false, inaccurate or incomplete information present on the website. Although every effort is made to ensure that the information contained in this website is updated, relevant and accurate, Khatabook makes no guarantees about the completeness, reliability, accuracy, suitability or availability with respect to the website or the information, product, services or related graphics contained on the website for any purpose. Khatabook will not be liable for the website being temporarily unavailable, due to any technical issues or otherwise, beyond its control and for any loss or damage suffered as a result of the use of or access to, or inability to use or access to this website whatsoever.