Business Loan

Why Choose Us

Flexible
Tenure

Loan up to
₹1 crore

Hassle-Free
Process

Quick
Disbursal

What’s in store for you

Business Loan EMI Calculator

Take Out the Guess Work from Financial Planning. Calculate your EMIs now!

₹
₹ 30,000₹ 1,00,00,000
1 year7 years
%
9.99% PA24% PA
Your Monthly EMI will be

₹

Amount Payable

₹

Interest Amount

₹

Principal Amount

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Types of Business Loan

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Fulfil Your Business Endeavours

Interest Rate for Business Loan

Starting from 16.85%

(Terms & Conditions Apply*)

View Rates

Loan Benefits & Features

Loan Benefits

  • Transfer Loan Balance with Ease

    Transfer your existing Business Loan to HDFC Bank for lower EMIs, and enjoy our benefits

    • Attractive Interest rates on existing loan transfer.

    • Flexible tenure up to 48 months to transfer your loan balance, apply now.

  • Dropline Overdraft Facility

    Enjoy Dropline Overdraft Facility without any security. Limit is set in a separate Current Account which drops monthly till the end of the tenure. Pay the interest only on the amount utilised.

    • Dropline Overdraft Facility up to ₹1 lakh - ₹25 lakh*

    • No guarantor/ security required

    • Tenure ranging from 12-48 months

    • Attractive rate of interest

  • Convenient Borrowing

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Stay Protected

  • Take care of your loved ones by paying a nominal premium* and covering your loan with our Credit Protect

  • Protects the family by paying off the loan amount in case of death of the customer

  • Life coverage – provides peace of mind

  • No need to use other savings to repay the loan 

  • Tax benefits as per applicable laws

  • One convenient package - loan + insurance

  • The premium for this product will be deducted from the loan amount at the time of disbursal, after levying service taxes and applicable surcharge/cess at the rates notified by the government

  •  In case of natural/accidental death of the customer, the customer/nominee can avail of the Payment Protection Insurance (Credit Protect), which insures the principle outstanding on the loan up to a maximum of the loan amount. 

*Terms & Conditions of the insurers shall apply. The above product is offered by HDFC Life Ins Co. Ltd.

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Loan Details

  • Loan Amount

    • Avail of a loan up to ₹75 lakh (up to ₹1 Crore in select locations) without any collateral, guarantor or security, to fulfil your every business need, from business expansion to working capital.
  • Eligibility Check & Disbursal

    • Check your Business Loan eligibility online or at any branch in just 60 seconds. Loans will be disbursed based on previous repayment of Home Loans, Auto Loans and Credit Cards.
  • Tenure

    • You can repay your loan over a period of 12 to 48 months.
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Fees & Charges

  • Enclosed below are HDFC Bank Business Loan Interest Rates & Charges
  • Senior Citizen Customers are eligible for discount of 10% on all service charges
Rack Interest Rate Range- Minimum 10.75% and maximum 22.50%
Loan Processing Charges- Tenure Up to 2.00%* of the loan amount
*NIL Processing Fees for loan facility up to ₹5 lakh availed by micro and small Enterprises subject to URC submission prior to disbursal
Stamp Duty and other statutory charges- As per applicable laws of the state
  • *Government taxes and other levies as applicable will be charged over and above the Fee and Charges. Loan disbursal at the sole discretion of HDFC Bank Ltd.

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Most Important Terms & Conditions 

  • *The Most Important Terms and Conditions for each of our banking offerings features all the specific terms and conditions that govern their use. You must go through it thoroughly to fully understand the terms and conditions applicable to any banking product you choose.     
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Active Lending Partners

List of Active Lending Partners

Active Lending Partners

Wondering if you’re eligible?

Criteria

  • Nationality: Indian
  • Age: 21-65 years
  • Income: ₹3 lakh annually
  • Turnover: ≥ ₹40 lakh
  • Employment: 3 years in current business, 5 years business experience
  • Profitability: 2 years

Entities

  • Self-employed individual
  • Proprietor, Private Ltd. Co.
  • Partnership Firm/LLP


That are involved in the business of Manufacturing, Trading or Services.

Business Loan

Documents required to get you started

Identity Proof

  • Election/Voter's ID card
  • Permanent Driving licence
  • Valid Passport
  • Aadhaar card

Address Proof

  • Utility bill in the customer’s name
  • Property tax receipt in the customer’s name
  • Aadhaar card
  • Valid Passport

Income Proof

  • Bank statement for the last 6 months
  • Last 2 years ITR and complete set of financials for Self-Employed
  • Last 6 Months GST Returns
  • Latest ITR along with computation of income, Balance Sheet and Profit & Loss account for the previous 2 years, after being CA UDIN Certified/Audited
  • Proof of continuation (ITR/Trade license/Establishment/Sales Tax Certificate)
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More About Business Loans

Our Business Loans come with a host of features, including loan amounts of up to ₹1 crore, no requirement for collateral or guarantor, and the option to transfer your existing business loan balance. We also offer added benefits like a dropline overdraft facility and flexible repayment tenures.

Take advantage of our customer-friendly offerings, such as a quick eligibility check in just 60 seconds and our Credit Protect Plan for added peace of mind.

To learn more, feel free to connect with us via SMS, chat, or phone banking. You can also scroll down for detailed information on the business loan benefits available with HDFC Bank.

The following are some of the notable benefits of a Business Loan:

Provides access to funds for various business needs.

Allows the borrower to retain full ownership and control of the company.

Interest paid on a Business Loan may be tax-deductible, reducing the overall borrowing cost

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Business Loans can help manage cash flow gaps, enabling companies to meet financial obligations and seize opportunities

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The HDFC Bank Business Loan offers several attractive features for entrepreneurs and business owners:

Loan Amount

Loan Amount: Up to ₹75 lakh, and up to ₹1 crore in select locations, without any collateral or guarantor required.

Read More

Dropline Overdraft Facility:

An overdraft limit ranging from ₹1 lakh to ₹25 lakh, Limit is set in a separate Current Account which drops monthly till the end of the tenure. The interest is to be paid only on the utilised amount.

Read More

Quick Processing

Eligibility checks and loan approvals within 60 seconds.

Flexible Repayment

Tenure options ranging from 12 to 48 months.

Credit Protect

Life coverage and tax benefits included in the loan package.

You can apply for a Business Loan via:  

Frequently Asked Questions 

A Business Loan is a type of financing obtained by businesses to cover various expenses, such as startup costs, working capital, equipment purchases, or expansion projects.

Business Loans work by providing companies with a lump sum of capital from a lender (usually a bank or financial institution). The borrower is required to repay the loan amount, along with interest, over a predetermined period through scheduled payments.

HDFC bank offers the low interest rates in the market across all segments. As we offer customers an unsecured loan i.e. collateral-free loan, the rate of Interest will be higher as compared to secured products offered by banks.

Processing fees are restricted to 2% + GST which is standard across all the products.

Stamp duty collection is mandatory for pre-approved offers as well. Also, the customers must note that stamp duty charges are different for different states.

Please have a service request registered with regard to Business Loan foreclosure. Click here  to raise an online token for the same. Alternatively, customer can visit Retail Loan Service Centre at his nearest Location

Customers can connect with their local branch if the requirement is higher than the offered loan amount. There will be an additional set of documents that will be required for processing the case for a higher loan amount for which the branch staff will guide you. Loan amount will be subject to eligibility as per documents.

Loan processing and disbursement will take at least 7 working days post submission of all requisite documents and information as may be required by the Bank as per Bank's criteria. All loan approvals are at the sole discretion of the bank.

Fuel your business growth—apply now for a business loan!

Apply Now