For Business Expansion

What’s in store for you

For Business Expansion

Types of Loans For Business Expansion

Business Loan

  • Fuel your business growth with HDFC Bank’s Business Loan, offering up to ₹40 lakh (₹50 lakh in some locations) and flexible repayment tenures of 12 to 48 months, with eligibility checked in just 60 seconds.
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Loan Against Property

Access business finance against your property, with loans up to 65% of property value for residential or commercial properties, and flexible repayment tenures.

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Digital Loan Against Shares

Secure instant digital loans for your business by pledging shares, obtaining up to 50% of their value through a fully digital process, with interest payable only on the utilised amount.

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Digital Loan Against Mutual Funds

Drive business success with debt funding against securities, offering up to ₹1 crore against Debt Funds and up to ₹20 lakh against Equity Funds, without fixed EMIs.

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Working Capital Loan

Secure cash flows with Working Capital Loans starting from ₹10 lakh, business Credit Cards, and options for Loans Against Property, securities, book debts, and gold.

 

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Gold Loans

Support business growth with HDFC Bank’s Gold Loans, featuring approval in under 45 minutes, flexible loan options, and repayment periods ranging from 3 to 24 months.

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For Business Expansion

Top Benefits

  • Attractive rates for affordable financing.

  • Fast processing to meet urgent needs.

  • Tailored repayment plans available for your convenience.

  • Hassle-free, fully digital application and disbursal.

  • High-value loans to support significant expansion.

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Frequently Asked Questions

HDFC Bank offers Business Loans for Expansion with interest rates ranging from 10.75% to 22.50% per annum, depending on the loan amount and the borrower's profile​.

There are tax benefits associated with Business Expansion Loans, particularly if you opt for the credit protection insurance plan. The premium paid for this insurance may offer tax deductions as per the applicable laws. 

If you cannot repay the loan on time, HDFC Bank imposes a delayed instalment payment charge of 18% per annum plus applicable government taxes on the overdue instalment amount. Additionally, they offer a credit protection plan to cover the loan amount in case of the borrower's death.

The approval process for a Business Loan for Expansion from HDFC Bank typically takes at least 7 working days after the submission of all necessary documents.

Startups can qualify for Business Expansion Startup Business Loans from HDFC Bank, provided they meet certain criteria such as having a minimum turnover of ₹40 lakh, being profit-making for the previous two years, and having a minimum annual income (ITR) of ₹1.5 lakh​.