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Bandhan Bank Business Loan

Bandhan Bank offers business loans at an interest rate of 9.52% p.a. onwards for loan amount up to Rs 10 crore and for tenures of up to 15 years to meet financial requirements for business expansion, working capital, capital expenditure, commercial vehicle purchase, etc. The bank offers various business loan products to its applicants such as micro loans, top up loans, working capital loans, small business & agri loans, micro bazaar loan, commercial vehicle & construction equipment loans, term loans, and small enterprise loans.
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HDFC Bank
Max Loan Amt.Upto ₹75L
Rate of Interest10.75% - 28%
Tenure uptoUpto 5 Years
Processing FeeUpto 2%
ICICI Bank
Max Loan Amt.Upto ₹50L
Rate of Interest13.25% 19.25%
Tenure uptoUpto 5 Years
Processing FeeUpto 2%
Axis Bank
Max Loan Amt.Upto ₹75L
Rate of Interest15% - 19.25%
Tenure uptoUpto 5 Years
Processing FeeUpto 2%
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Step 1: Enter your mobile number in the application form.

Step 2: Enter OTP to verify your mobile number.

Step 3: Provide your personal details.

Step 4: Select a bank account for account aggregator consent.

Step 5: Compare offers and apply for the best-suited loan.

Highlights of Bandhan Bank Business Loan

Interest Rate 9.52% p.a. onwards
Loan Amount Up to Rs 10 crore
Tenure Up to 15 years
Processing Fee Up to 2% of the loan amount

Note:  Rates as of 20 November 2024

Bandhan Bank Business Loan Interest Rates

Bandhan Bank Business Loan interest rate starts from 9.52% p.a. The bank offers interest rates based on the type of business loan schemes stated below:

Loan Variants Interest Rates (p.a.)
Shrishti Loan 22.95%
Subriddhi Loan 22.95%
Suyog Loan 22.45%
Small Enterprise Loan 13.00%-21.00%
Sahayata Loan 22.45%
PM SVANidhi Loan 22.45%
Micro Bazaar Loan 22.45%
SME Term Loan Not disclosed by the bank; interest rates offered are floating and are linked to external benchmark and depends on the applicant’s credit profile
Commercial Vehicle & Construction Equipment Loan 9.52% (for more than 3 years)12.13% (for less than 3 years)

Bandhan Bank Business Loan Fees & Charges

Srishti Loan, Subriddhi Loan, Suyog Loan

Description Charges
Processing Fee NIL (for loan amount up to Rs 25,000)
1.25% of the loan amount (for amounts above Rs 25,000)

Suraksha Loan, PM SVANidhi Loan

Description Charges
Processing Fee NIL

Small Enterprise Loan

Description Charges
Processing Fees 2% of the loan amount
EMI bounce charges Rs 300 per bounce for loans up to Rs 10lakh
Rs 500 per bounce for loans above Rs 10 lakh

Sahayata Loan, Micro Bazaar Loan

Description Charges
Processing Fee 1.25% of the loan amount

Commercial Vehicle & Construction Equipment (CVCE) Loan

Description Charges
Processing Fee 1% of the loan amount

Types of Bandhan Bank Business Loan

Loans for Small Business

Micro Loans – Group-based individual loan

Purpose: Bandhan Bank offers group-based individual micro loans under the brand name ‘Srishti Loan’ for equipment upgrades, staff hiring, raw material investments and other growth-related requirements.

The bank claims to provide quicker approval and loan disbursement process to applicants having savings account with Bandhan Bank.

Loan amount: Rs 15,000 to Rs 1.5 lakhs

Tenure: 1 year/2 years

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Top-up Loans

Subriddhi Loan

Purpose: Subriddhi Loan is a top-up loan facility offered to existing micro-banking borrowers to provide liquidity support. The bank disburses loans on or after 10 th week of the disbursement of an existing loan. Borrowers can make loan repayment in weekly or fortnightly instalments.

Loan amount: Up to 50% of the loan disbursement amount of existing loan

Tenure: 1, 2, 3 or 4 years

Suyog Loan

Purpose: Existing Sahayata loan borrowers can avail Suyog Loan, a top-up loan facility, to arrange liquidity for their business. The bank disburses loan on/after 6 months from the existing Sahayata loan disbursement date.

Loan amount: Up to 50% of the loan disbursement amount of the existing Sahayata loan

Tenure: 1, 2 and 3 years

Small Enterprise Loan

Purpose: Small enterprises can avail this loan facility to meet both ‘Term Loan’ and ‘Working Capital’ requirements.

Loan amount: Above Rs 3 lakh to Rs 25 lakh

Tenure: Term Loan – Up to 3 years; Working Capital – repayable on demand

Small Business & Agri Loans

Sahayata Loan

Purpose: This loan facility is offered to individuals engaged in income-generation activities

Loan amount: Rs 50,001 to Rs 5 lakhs

Tenure: 1,2,3,4 years

PM SVANidhi Loan

Purpose: ULB identified street vendors can avail PM SVANidhi Loan for financing working capital requirements. Bandhan Bank claims to provide quicker approval and loan disbursement process to applicants having savings account with the bank.

Loan amount: Up to Rs 10,000 (in first cycle)

Tenure: Up to 1 year (in first cycle)

Micro Bazaar Loan

Purpose: Small entrepreneurs can avail Micro Bazaar Loans for meeting working capital needs such as salary payments, purchase of raw materials, power charges, etc.

Loan amount: Rs 26,000 to Rs 1.5 lakhs

Tenure: 1 year/2 years

Loans for Medium and Large Businesses

Term Loan

Purpose: The bank offers a term loan facility to small or medium enterprises to finance new businesses or expand existing businesses. These small/medium enterprises can be in the form of partnership firm, sole proprietorship and Limited Liability Partnership (LLP).

Loan amount: Depends on the assessment of applicant’s documents and bank’s internal exposure policies

Tenure: Up to 7 years including maximum moratorium tenure of 3 months

Insurance: The assets financed through the bank needs to be insured with the bank clause

Margin: As per internal policies of the bank

Working Capital Loan

Purpose: Bandhan Bank offers Working Capital Loan to existing profit making MSME units to meet their working capital requirements

Loan amount: Depends on the assessment of applicant’s documents and bank’s internal exposure policies

Tenure: Repayable on demand

Insurance: The assets financed through the bank needs to be insured with the bank clause

Margin: As per the internal policies of the bank

Loan against Property

Purpose: Bandhan Bank offers Loan against Property facility to proprietorship, partnership, companies, LLP and self-employed professionals for meeting both working capital requirements and general business requirements like renovation, investment, repairs expansion, etc.

Loan amount: Up to Rs 10 crore

Tenure: Up to 15 years

LTV: 75% of the property value

Commercial Vehicle & Construction Equipment Loan

Purpose: Commercial Vehicle and Construction Equipment loan is offered to self-employed individuals and businesses to finance the purchase of commercial vehicles and construction equipments.

Loan amount: Rs 1 lakh to Rs 5 crore

Tenure: Up to 7 years

LTV: Up to 100%

Eligibility Criteria for Availing Bandhan Bank Business Loan

Srishti Loan

  • Minimum Age – 18 years at the time of loan disbursement
  • Maximum Age – 65 years at the time of maturity
  • The applicant should be involved in defined income generation activity

Subriddhi Loan

The loan is offered to existing Emerging Entrepreneurs Business (EEB) who have 1 running primary loan

Suraksha Loan

  • Loan is offered to an existing Bandhan Bank Micro Loan customer
  • Minimum Age – 18 years at the time of disbursement
  • Maximum Age – 65 years at the time of loan maturity
  • Applicant should have one existing primary loan (Suchana/Srishti) at the time of loan disbursement

Sushiksha Loan

  • Existing Bandhan Bank microloan customer
  • Minimum Age – 18 years at the time of disbursement
  • Maximum Age – 65 years at the time of loan maturity
  • Borrower should have one existing loan at the time of loan disbursement

Small Enterprise Loan

  • Self-employed individuals (professionals/non-professionals) with at least 2 years of experience in the same line of business
  • Age: 23 years – 65 years (at the time of loan maturity)

Sahayata Loan

  • Applicants engaged in active income generation activities such as agri-allied/ business and agri-investment.
  • Minimum age of the applicant/co-applicant (if any) – 20 years
  • Maximum age at maturity – 65 years

Micro Bazaar Loan

  • Existing Super Saver depositors who have fixed place of delivering services
  • Existing borrowers of Srishti, Suchana, and Micro Enterprise Loans as well as the spouses of such borrowers are not eligible for availing Micro Bazaar Loan

Term Loan

  • Age: 23 years to 60 years (at the time of loan maturity)
  • Non-individual applicants must have a 2 years track record in the same line of business.
  • For others, at least 2 years of experience in the same line of business is required. However, Bandhan Bank claims to also consider new eligible entrepreneurs.

Loan against Property

  • Age criteria: 20 years to 60 years
  • Business entity should have a satisfactory track record and have last 2 years of cash profit

Commercial Vehicle & Construction Equipment Loan

  • Age criteria: 21 years to 65 years
  • Self-employed individuals and non-individual entities can avail commercial vehicle and construction equipment loan

Documents Required for Bandhan Bank Business Loan

Documentation for Srishti Loan, Subriddhi Loan, Suraksha Loan, Sushiksha Loan, Sahayata Loan, PM SVANidhi Loan and Micro Bazaar Loan

  • Identity proof
  • Residence address proof
  • Passport size photograph
  • PAN card (only in case of Sahayata Loan)
  • Letter of Recommendation/ Certificate of Vending/ Vending License (only in case of PM SVANidhi Loan)
  • In case of Suyog loan – only passport size photograph required.

Documentation for Bandhan Bank Small Enterprise Loan

  • Business KYC
  • Financial statements and Income proof and (GST Return or ITR)
  • Partner/Proprietor/Company Management KYC
  • Business vintage proof and business validity document (such as Trade License)
  • Proof of residence ownership and stability

Borrower should note that requisite documents could vary as per the loan amount.

Documentation for Term Loan, Working Capital Loan and Loan against Property (LAP)

  • Duly filled application form
  • KYC documents
  • 3 passport size photographs of the Directors/Partners/Individual Borrower (not required in case of LAP)
  • 2 passport size photographs of the guarantor, if required (not required in case of LAP)
  • Last 3 years financial statement
  • Last 6 months of existing bank account statement (last 12 months statement in case of LAP)
  • Ownership documents of security
  • Copy of Partnership deed or copy of MOA & AOA or other related documents in case of partnership firm or company
  • Trade licence or any other regulatory license applicable to the unit

Documentation for Commercial Vehicle & Construction Equipment Loan

  • Identity proof
  • 1 photo of applicant and co-applicant / guarantor
  • Address proof
  • Pro-forma invoice of the vehicle to be funded
  • Statement of operative bank account
  • Income documents

How Can I Apply for a Business Loan Online?

Get up to ₹1 Crore in 5 Simple Steps

Step 1: Enter your mobile number in the application form.

Step 2: Enter OTP to verify your mobile number.

Step 3: Provide your personal details.

Step 4: Select a bank account for account aggregator consent.

Step 5: Compare offers and apply for the best-suited loan.

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