HDFC provides business loan for short or long term financial needs of business organizations. A lot of times it is important for a businessman to acquire a certain amount of money for running his/her enterprise. It is well known that without the required capital no business can run. For any business whether in initial stage or in growth phase, capital is required to keep up the momentum.


Loan Feature

Loan Amount Up to Rs. 15 Lacs (Rs. 30 Lacs in selected locations)
Interest Rate 17% to 22% per annum
Tenure 12 to 36 months
Pre Payment Charges 2% - 4% of Principal Outstanding
Service Charges

Loan Processing Charges* :

Up to 2.50% of the loan amount subject to a minimum of Rs. 1,000/- & Maximum of Rs. 75000/-

Eligibility Criteria : Business Loan

Age 21-65 Years
Income Minimum Annual Income (ITR): Rs. 1.5 Lakhs p.a.
Job Experience Minimum of 3 years in current business and 5 years total business experience
Residence Proof Valid Residence Proof

Docs Required : Business Loan

ID Proof Passport, driving license, PAN Card, Aadhar Card, Voter's ID card
Address Proof Electricity Bill, Phone Bill, Passport
DOB Proof 10th class certificate
Financial Docs
  • Bank Statements for last 6 months for all primary accounts
  • Latest ITR along with computation of income, Balance sheet and Profit & Loss a/c for the last 2 years. Financial should be 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)

Other Charges : Business Loan

Pre-payment charges* : 

07-24 Months - 4% of Principal Outstanding

 07-24 Months - 4% of Principal Outstanding


25-36 Months - 2% of Principal Outstanding

>36 Months - NIL

Charges for late payment of EMI: @ 24 % p.a on amount outstanding from date of default


25-36 Months - 2% of Principal Outstanding
>36 Months - NIL


Products offered by HDFC Bank

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I have alredy got one house loan deal though After my pleasant experience with the site, I have also suggested my relatives and friends to apply for any loan in future through this website only. I love the way you give details of every information that a person needs before going for a loan.

Thanks Loanboss :)


- Amardeep


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