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HDFC Bank Business Loan

At some point in your life, your business will have the perfect opportunity to scale new heights. After all, we all want to grow our business successfully. However, getting the funds at the right time can be an obstacle! 

A Business Loan will be the perfect solution to ensure your business not only gets the required financial support but also the one it deserves. 

After all, we trust you to scale new heights!

Make HDFC Bank your partner in financing all your diverse business requirements, through our specialised Business Loan. With HDFC Bank Business Growth Loan, we help you transform your business vision a reality without any challenges.

Our unique Business Loan comes with a host of benefits and is tailor-made to meet your unique business needs, no matter how big or small it is. We offer among the best Business Loans in India, with complete transparency and competitive interest rates. Additionally, our Business Loans do not require any security. 

Apply for a Business Growth Loan from HDFC Bank and get funds up to Rs 50 lacs, through a fast disbursal within 48 hours*. With this Business Loan, you can also enjoy a hassle-free documentation process, with doorstep service, along with our various unmatched benefits. Use Business Loan EMI Calculator to calculate monthly EMIs on the basis of Loan Amount, Interest Rate & Tenure. Apply for Business Loans in Delhi-NCR online with LoanMoney to avail maximum loan amount with the lowest interest rates and quick approval.

*For certain preferred category of Customers. Terms and conditions apply. Loan at the sole discretion of HDFC Bank Limited. Subject to documentation and verification as per Banks requirement.

  Salaried Self Employed Professional
Age NA 21 To 65 Years 21 To 65 Years
Loan Amount 5 To 50 Lakhs 5 To 50 Lakhs 5 To 50 Lakhs
Tenure  NA 1 To 4 Years 1 To 4 Years
Rate of Interest / APR [Annual Percentage Rate] 12.75% To 17.50% 12.75% To 17.50% 11% To 15%
Features Lowest Rates of Interest In Market Lowest Rates of Intrest In Market Lowest Rates of Intrest In Market
Processing Fees Up to 1.50% to 2% Up to 1.50% to 2% Up to 1.50% to 2%
Special NA Eligibility can be calculate as per customer requirement treated as special Category
Documentation NA KYC/Financial(2 Years) & Property Documents. KYC/Financial(2 Years) & Property Documents.
Eligibility

NA

The following people are eligible to apply for a Business Loan:

  • Self employed individuals, Proprietors, Private Ltd. Co. and Partnership Firms involved in the business of Manufacturing, Trading or Services.
  • The business should have a minimum turnover of Rs. 40 lakhs
  • Individuals who have been in the current business for a minimum of 3 years, with 5 years total business experience.
  • Those whose business has been profit making for the previous 2 years
  • The business should have a Minimal Annual Income (ITR) of Rs. 1.5 lakhs per annum
  • The applicant should be at least 21 years at the time of applying for the loan, and should be no older than 65 years at the time of loan maturity

The following people are eligible to apply for a Business Loan:

  • Self employed individuals, Proprietors, Private Ltd. Co. and Partnership Firms involved in the business of Manufacturing, Trading or Services.
  • The business should have a minimum turnover of Rs. 40 lakhs
  • Individuals who have been in the current business for a minimum of 3 years, with 5 years total business experience.
  • Those whose business has been profit making for the previous 2 years
  • The business should have a Minimal Annual Income (ITR) of Rs. 1.5 lakhs per annum
  • The applicant should be at least 21 years at the time of applying for the loan, and should be no older than 65 years at the time of loan maturity
Particulars Salaried Self Employed Professional
Age(Min-Max) NA 21 To 65 Years 21 To 65 Years
Minimum Income NA Min. 1.5 Lakh/ p.a Min. 1.5 Lakh/ p.a
Co-applicant NA If Required If Required
Loan Tenure NA 1 To 4 Years 1 To 4 Years
Maximum Loan Amount NA Max. 50 Lakhs Max. 50 Lakhs
Employment/Business Continuity NA Min. 3 Years Min. 3 Years
CIBIL Score NA Min. 600 Min. 600

The following documents are required along with your Business Loan application:

  • PAN Card – For Company/Firm/Individual
  • A copy of any of the following documents as identity proof:
    • Aadhaar Card
    • Passport
    • Voter's ID Card
    • PAN Card
    • Driving License
  • A copy of any of the following documents as address proof:
    • Aadhaar Card
    • Passport
    • Voter's ID Card
    • Driving License
  • Bank statement of the previous 6 months
  • Latest ITR along with computation of income, Balance Sheet and Profit & Loss account for the previous 2 years, after being CA Certified/Audited
  • Proof of continuation (ITR/Trade license/Establishment/Sales Tax Certificate)
  • Other Mandatory Documents [Sole Prop. Declaration Or Certified Copy of Partnership Deed, Certified true copy of Memorandum & Articles of Association (certified by Director) & Board resolution (Original)]
Fee Amount to be Paid
Rate of Interest 12.75% To 21.70%
Loan Processing Charges Up to 1.50% t0 2%
Cheque Bounce Charges NA
Cheque/ Instrument Swap charges NA
Prepayment/ Foreclosure Charges NA
Default Interest Rate NA
Duplicate Statement Issuance Charges NA
Duplicate Amortization Schedule Charges NA
Duplicate Interest Certificate NA
S(Provisional/ Actual) issuance Charges NA

Features of Business Loan Product

  • Our business loan features include loans of up to 50 lakhs, waiver of collateral or guarantor, and even the benefit of the business loan balance transfer. 
  • In addition, we offer special benefits on business loans, such as overdraft facility and flexible tenure options. 
  • Enjoy our customer-friendly business loan features, such as eligibility checks in just 60 seconds, and our credit protect plan. 

Advantages of Business Loan Product

Fulfil Your Every Need: Avail of a loan up to Rs. 40 lakhs (up to Rs. 50 lakhs in select locations) without any collateral, guarantor or security, to fulfil you're every business need, from business expansion and working capital to your child's education or a home renovation.

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

  • Interest rates as low as 15.75%* on the existing loan transfer
  • Processing fee as low as  1.50%

Dropline Overdraft Facility: It provides an Overdraft facility without any security. The limit is set in separate Current account which drops monthly till the end of the tenure. Pay the interest only on the amount utilized.

  • Dropline Overdraft Facility up to Rs.5 Lac - 15 Lac*
  • No Guarantor / Security required.
  • Tenure ranging from 12-48 months.
  • Attractive Rate of Interest
  • No Foreclosure/part Closure shall be permitted during the first 6 months of the limit setting.

Quick Eligibility Check & Disbursal: Check your Business Loan eligibility online or at any branch in just 60 seconds. Loans will be disbursed based on the previous repayment of home loans, auto loans and credit cards.

Flexible Tenure: You can repay your loan over a period of 12 to 48 months

Stay Protected: Take care of your loved ones by paying a nominal premium* and covering your loan with our Credit Protect 
Plan:

  • In case of Natural/Accidental Death of the customer, the customer/nominee can avail of the Payment Protection Insurance (Credit Protect), which ensures the principal outstanding on the loan up to a maximum of the loan amount.
  • 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.

Why HDFC Bank?

Benefits:

  • 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

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

Advantages of Customers

  • Fast processing as per requirement 
  • Disbursment within a 3 days
  • Customer treated as per Customer classification 
segmentation

Advantage with Loanmoney

Loanmoney is one of the leading Loan Agency inDelhi/NCR. We offers all types of Loans & Credit Cards like
Personal Loan,Credit cards, Home Loan, Business Loan and Loan Against Property .

Loan Money's main objective is to provide Best deal with Multiple option with Transparency & safety. We deal with over 35 Banks & NBFC`S. ,Our main focus is customer satisfaction that's why our customer rate us over 4.8 out of 5 on Google review rating, Its shows our level of commitment & services towards our customers.


  • Expert & Experience Loan Advisor
    We are a team of young and energetic professionals from diverse backgrounds like Ex Bankers, CAs to guide hassle free Loan process and to deliver on commitment.

  • Multi Bank Option
    Loanmoney deals with Over 35 Banks & NBFCs,As per customer profile & financial we will give you minimum 3 best deal for your Personal Loan which is available in the market.

  • Free Door step Service
    Loanmoney doesn't charge anything against the customer for the Service of your Loan and help you to get desire Loan amount with lowest Rate.

  • End to End services
    We are very vibrant and dynamic Loan agency who manage all the processes ourselves from lead sourcing to Loan Disbursal. We work for customer utmost satisfaction.

  • Transparency & Safety
    We will share every terms and conditions related with your Loan process like interest rates, payment tenure, EMI and any other charge applied during Loan process & at before loan disbursement on recorded lines.

  • Referral Program
    Loanmoney offer an attractive scheme for earn extra bucks after getting loan. Any Disburse customer can become our associates &can start earning on referring New customers to Loan Money.

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