• 14.99%-18.99%

    Interest Rate Range

  • 0.50 - 2.5%

    Processing Rate Range

  • 2 L - 75 L

    Loan Amount

  • 1 Year - 4 Years

    Tenure Range

General information

Rs
Rs
Rs
Rs
Rs

business information

+91
Code Verified
+91
+91

Appointment Date & Time

Current Address Details

Is current address same as permanent address

Permanent Address Details

Terms & conditions and Privacy policy *

Company Information

Rs
  • Yes
  • No

Documentation

1.  Pan card (individual / firm / company)
  • Pan card (individual / partners / directors )
2. Residence  Address Proof: Any One from the following:
  • Utility Bills / passport copy/Aadhar card / Driving license/ Voter card ( any One )
3. Office Address Proof: Any One from the following:-
  • Property Documents
  • Utility Bills
  • Any  registration of (industrial /firm/company)
4. Office / Residence Ownership Proof (if any): Any One from the following:-
  • Property Documents
  • Electricity Bills
5. Business Existence Proof Any One from the following:
  • Shop Establishment Act
  • Any Tax Registration Copy
  • Company Registration license
  • Company MOA& ROC return
  • Partnership Deed ( if partnership firm )
6. Income Proof:-
  • Latest 3 years Income Tax Returns including Computation of Income, Profit and Loss Account, Balance Sheet, Audit Report, etc.,
  • Last 12 months bank statement current / limit.
7. Required Documents for Balance Transfer (Existing Bank):-
  • Foreclosure letter from the bank.
  • Loan statements

Terms & Conditions

  1. Stamp duty at actual as per applicable law.
  2. Interest rate of sub. (subject to change as per terms and conditions /agreement) as per lender (monthly reducing)
  3. Processing charge of the borrower will be according to the lender.
  4. Govt. tax and levy as per applicable government laws would be charge on all fees and charges.
  5. Cheque/SI/ECS return charges (without prejudice to the civil and criminal rights and remedies of the bank for the dishonor)  As per lender
  6. Default interest / late payment charge: as per lender
  7. Legal repossession and incidental charges: At actual
  8. Duplicate amortization/ repayment schedule: as per lender
  9. Cheque /Si/ESI swapping charges: As per lender
  10. Details of security  As per lender
  11. Taxes at actual, applicable presently or in future.
  12. Date on which annual outstanding balance statement will be issued:31st may
  13. Loan cancellation charges:  As per lender Interest would be charged for the interim period between the date of disbursement and date of loan cancellation
  14. Gap interest will be recovered from disbursement amount where the number of the days between account credit date (i.e. of the disbursement amount ) and first EMI date is more that 30/31 days

You're probably eligible for a Loan if you are

  • At Least 23 Years Old

  • Less Than 65 Years Old

  • Minimum Net Annual ITR 1.5 Lakh

  • Must have a 6 month old current account

  • Business must be 2 years old

  • No Collateral required

Get unbeatable rates and terms on HDFC Bank Business Loans through Real Finserv!

Business Loan

If you're an entrepreneur or business owner seeking financial assistance, you can turn to business loans to help fund your growth and expansion plans. HDFC Bank Business Loan, available hassle-free through Real Finserv, offers a wide array of benefits designed to meet the unique needs of businesses. With customizable repayment options, competitive interest rates, and tailored features, HDFC Bank Business Loan is the ideal choice for businesses looking for a trusted financial partner.
Whether you're looking to expand your operations, invest in new equipment, or manage your inventory, our financing options can provide the financial support you need to succeed. Choose HDFC Bank Business Loan and grab opportunities today!

What is a Business Loan? Why is it a smart financial decision for your business?

A business loan can be a lifeline for entrepreneurs and business owners who are looking to take their businesses to the next level. It is a financial tool that provides the necessary funds to invest in growth opportunities, manage cash flow, and expand operations. By choosing a HDFC Bank Business Loan, you can access the financial support you need to make your business dreams a reality. 

Here are five of the key features that make the HDFC Bank Business Loan a smart choice for your business: 

  1. Flexible repayment options that can be customized to match your business's cash flow and budget.
  2. Competitive interest rates that are affordable and can help you save money over time.
  3. High loan amounts that can help you meet your business' financial requirements, no matter how big or small.
  4. Quick and easy application process with minimal documentation, allowing you to get the funds you need in a timely manner.
  5. Access to tailored features, such as pre-approved loans, online loan management, and other value-added services, that can help you optimize your financial management and streamline your operations.

Propel your business forward and achieve all your goals with the financial support of HDFC Bank Business Loans accessible through Real Finserv. Enjoy these benefits and more, backed by a reliable financial partner you trust. 

HDFC Bank Business Loan

Grow your business to its full potential and let the HDFC Bank Business Loan cover the finances. Designed specifically to help businesses access funds for growth and expansion, this business loan comes with a range of flexible features and competitive interest rates.  

Check out some of the key benefits you can enjoy with HDFC Bank Business Loan: 

  • Loan up to ₹50 lakhs (up to ₹75 lakhs in select locations) without collateral, guarantor, or security.
  • Transfer existing loan balance to HDFC Bank for lower EMIs with attractive interest rates. 
  • Dropline overdraft facility up to ₹25 lakhs without guarantor/security for 12-48 months.
  • Quick eligibility check & disbursal in 60 seconds based on previous repayment of home loans, auto loans, and credit cards.
  • Flexible tenure of 12 to 48 months for loan repayment.
  • Convenient borrowing with SMS, webchat, Click2Talk, Whatsapp, and PhoneBanking support
  • Credit Protect Plan offers life coverage with tax benefits, paying off the loan amount in case of customer's death or natural/accidental death up to a maximum of the loan amount.
  • Premium for the product will be deducted from the loan amount at the time of disbursal.

With HDFC Bank Business Loan, you can get the financial support you need to grow your business and achieve your goals. Apply now and fulfil your business ambitions. 

Eligibility Criteria for an HDFC Bank Business Loan

The HDFC Bank Business Loan is designed to help businesses achieve their goals and grow. To be eligible for this loan, the following criteria must be met: 

  • The applicant must be a self-employed individual, proprietor, private limited company, or partnership firm engaged in the business of manufacturing, trading, or services. 
  • The business should have a minimum annual turnover of Rs. 40 lakhs.
  • The applicant must have a minimum of three years of business experience, with at least two years of profitable operations.
  • The business must have a minimal annual income (ITR) of Rs. 1.5 lakhs per annum.
  • The applicant must be at least 21 years old when applying for the loan and not older than 65 years old at the time of loan maturity.

If you meet the above eligibility criteria for an HDFC Bank Business Loan, apply now and let your business benefit from your financial decision. 

Required Documents for HDFC Bank Business Loan 

To apply for your HDFC Bank Business Loan online on Real Finserv, you will need to submit the following documents:

  • PAN Card - For Company/ Firm/ Individual
  • Identity Proof - A copy of any of the following documents: Aadhaar Card, Passport, Voter's ID Card, PAN Card, Driving License
  • Address Proof - A copy of any of the following documents: Aadhaar Card, Passport, Voter's ID Card, Driving Licenses
  • Bank statement of the previous 6 months
  • The 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)

 

Why choose Real Finserv to apply for an HDFC Bank Business Loan?  

If you're looking to secure an HDFC Bank Business Loan and want a partner you can rely on, trust Real Finserv. Our commitment to helping you achieve your business goals is matched by a range of benefits you can enjoy when you apply for a business loan with us. Here's why you should choose Real Finserv to apply for an HDFC Bank Business Loan:

  • Hassle-free application process
  • Expert guidance and assistance throughout the application process
  • Competitive interest rates and flexible repayment options
  • Quick approval and disbursal of funds
  • No hidden charges or prepayment penalties
  • Access to a range of other financial products and services.

Trust Real Finserv to help your business thrive with an HDFC Bank Business Loan tailored to your unique needs. Apply now and experience our personalised service and competitive rates.

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HDFC Bank Business Loan FAQs

HDFC Bank offers the lowest interest rates in the market for all segments. As HDFC Bank offers an unsecured loan without collateral, the interest rate may vary.

The processing fee for an HDFC Bank Business Loan is limited to 2% + GST, which is standard across all their loan products.

Yes, stamp duty collection is mandatory for a pre-approved HDFC Bank business loan. However, customers should note that stamp duty charges vary from state to state.

Customers can foreclose their HDFC Bank Business Loan after paying 6 EMI payments. The foreclosure charges are 4% + GST of the outstanding loan amount, but this foreclosure grid varies based on the loan tenure.

The minimum lock-in period for an HDFC Bank Business Loan is 6 months or 6 EMI payments.

If you require a higher loan amount than your pre-approved offer, you can reach out to a Real Finserv customer service executive and we’ll assist you. An additional set of documents will be required to process your case for a higher loan amount, which we’ll guide you through. The new loan amount is subject to eligibility based on these submitted documents.