Apply Now

Business Loan Online

For every business, funding is a key concern and a requisite for scaling up. But getting loans is not that simple, especially for small businesses. This is where HDFC Bank MyBusiness promises to support. Our financial services are aimed at helping you overcome financial constraints and realise your business goals.

To fulfil all your business endeavours; expansion, office renovation, modernisation, automation, equipment purchases, skill development, and more, you need capital. With HDFC Bank Business Loans, specially designed for MSMEs, you can provide your business with the momentum it needs and take it to newer heights. To make things convenient, we guarantee loans at reduced turnaround time for short and long term business needs.

Business Loan Features

Fulfil Your Every Need

Avail of a loan up to ₹50 lakhs (up to ₹75 lakhs in select locations) without any collateral, guarantor or security, to fulfil your every business need, from business expansion and working capital, or any other personal work

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 upto 48 months to transfer your loan balance, apply now Unified Link.

Dropline Overdraft Facility

It provides 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 lakhs*
  • 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 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.

Credit insurance plan protects my family from the debt

Convenient Borrowing

For any help with your loan, you can reach out to us via SMS, Webchat, Click2Talk and PhoneBanking.

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.

Limited Time Offer

  • Collateral Free Loan up to ₹75 lakhs

Offer Details

  • Loan disbursal in 10 seconds without documentation for select pre-approved customers
  • Instant Dropline Overdraft for select current account holders (avail paperless limit set-up)

*T&C Apply. Loan disbursal at sole discretion of HDFC Bank Ltd.  

  • How is Business Loan interest rate calculated?

    HDFC bank offers the lowest 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.

  • How is Business Loan processing fee calculated?

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

  • Is there any stamp duty applicable for taking pre-approved Business Loan?

    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.

  • What are the foreclosure charges for Business Loan?

    Customers can foreclose loans after 6 EMI payments. The foreclosure charges are 4% + GST of the outstanding loan amount. The grid defers as per loan tenure.

  • What are the steps for foreclosing an Business Loan?

    The minimum lock-in period for Business Loan is 6 months i.e. 6 EMIs paid.

  • What if I need a higher amount of loan amount as compared to my pre-approved offer loan?

    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.

Calculate EMI