HDFC Bank Business Loan

Get an HDFC Bank XPRESS Business loan at interest rates starting from 10.75% p.a with quick disbursal and flexible tenure. Head to Paisabazaar and apply in simple steps for an HDFC Bank business loan.

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Google Play Store

4.5_/5

15.5L Reviews

51M+Satisfied Customers

65+Lending Partners

800+Cities across India

Paisabazaar Exclusive Benefits

Best Loan Offers

Curated Offers from 20+ Lenders

Unsecured Loan

Collateral-free Loan Options

Expert Advice

Guidance & Assistance

Top Up Facility

Additional Funds for Business Needs

Find Best Business Loan Offers

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HDFC Bank

Max Loan Amt.Upto ₹75L

Rate of Interest16% - 28%

Tenure uptoUpto 5 Years

Processing FeeUpto 2%

Axis Bank

Max Loan Amt.Upto ₹75L

Rate of Interest11.5% - 19%

Tenure uptoUpto 5 Years

Processing FeeUpto 2%

Kotak Mahindra Bank

Max Loan Amt.Upto ₹2Cr

Rate of Interest11.75% - 26%

Tenure uptoUpto 5 Years

Processing FeeUpto 2%

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Why Choose Paisabazaar?

Choose from 20+ Partner Banks/NBFCs

Pick from Secured & Unsecured Options

Get Working Capital & Top-Up Loan Solutions

Flexible Tenure of Up to 4 years

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.

Highlights of HDFC Bank Business Loan

Product Name	XPRESS Business Loan
Loan Amount	Up to Rs. 75 lakh
Interest Rate	10.75% onwards
Tenure	Up to 48 months
Overdraft Facility	Up to Rs. 25 lakh

HDFC Bank Business Loan Interest Rate

HDFC Bank Business Loan interest rates range between 10.75% and 22% p.a. Multiple factors are considered before deciding the final interest rate on your business loan, including credit score/rating, business annual turnover, business stability and vintage, debt-to-income ratio and more.

Business Loan Interest Rates by Other Lenders:

Lenders	Interest Rate (% p.a.)
IDFC FIRST Bank	12.99% onwards
Axis Bank	15% - 19.25%
Bajaj Finserv	14% - 25%
YES Bank	17.25% onwards
Tata Capital	12% onwards
LendingKart	13.5% onwards
IIFL Finance	12% onwards
Flexiloans	12% onwards
Kotak Mahindra Bank	9.50% - 30.50%
Muthoot Fincorp	15% - 36%
Shriram Finance	12% to 42%
Indifi Capital	18% onwards

Note: Interest Rates as of 3rd December, 2025.

Benefits of HDFC Bank’s XPRESS Business Loan

Tailored Business Loan Solutions
Attractive Interest Rates
Minimal Documentation
Balance Transfer Facility
Quick Disbursal
24*7 Loan Assistance

Types of HDFC Bank Business Loan

Business Loan for Doctors:

Doctor loans are specially designed to meet the unique needs of medical professionals.

Loan Amount: Rs. 75 lakh
Interest Rate: 10.75% p.a. onwards
Eligibility:
- Minimum annual income: Rs. 1.5 lakh
- Business turnover: Rs. 40 lakh or more
- Must be a practising or consulting doctor
- Minimum 4 years of post-degree work experience
- Physiotherapists: At least 5 years of post-qualification experience
- The business should have been profitable for the past 2 years

Business Loan for Pharmacy

Loan offered to cover expenses related to the purchase, extension, improvement or construction of clinics/offices.

Loan amount: Up to Rs. 75 lakh
Interest Rate: 16.85% p.a. onwards
Eligibility:
- Income: Minimum Rs. 1.5 lakh per annum
- Turnover: Rs. 40 lakh or more
- Experience: 3 years in current business; 5 years overall business experience
- Profitability: Profitable business for the last 2 years
- Entities: Self-employed individual, Proprietor, Private Ltd. Co., and Partnership Firm involved in the business of Manufacturing, Trading or Services.

Business Loan for Women

Business loan offered to women with a dropline overdraft facility ranging from Rs. 1 lakh to Rs. 25 lakh.

Loan amount: Up to Rs. 75 lakh
Interest Rate: 16.85% p.a. onwards
Eligibility:
- Income/Turnover: Minimum turnover of Rs. 40 lakh; minimum annual income (ITR) of Rs. 1.5 lakh
- Business Experience: Women entrepreneurs with at least 3 years in the current business and 5 years of overall business experience
- Profitability: Profitable business for the last 2 years
- Employment type: Self-employed/ Proprietors, private ltd. co. and partnership firms involved in manufacturing, trading or services.

Business Loan for Traders

Loan offered to traders to meet their working capital requirements, purchase of inventory for resale, and more.

Loan amount: Up to Rs. 50 lakh
Interest Rate: 16.85% p.a. Onwards
Eligibility:
- Income: Minimum Rs. 1.5 lakh per annum with at least 2 years of profit
- Turnover: Rs. 40 lakh or more
- Business Experience: At least 5 years in business, including 3 years in the current business
- Eligible Entities: Self-employed professionals, Non-professionals, Partnership firms, Proprietors and Private limited companies operating in trading, manufacturing and service segments

Business Loan for Manufacturers

Business loans offered to manufacturers to manage day-to-day operational expenses or on-time major expenses.

Loan amount: Up to Rs. 40 lakh
Interest Rate: 10.85% p.a. Onwards
Eligibility:
- Minimum Annual Income: Rs. 1.5 lakh per annum
- Turnover: Rs. 40 lakh or more
- Business Experience: 5 years overall, including 3 years in the current business
- Profitability: Profitable business for the last 2 years
- Entities: Self-employed individual, Proprietor, Private Ltd. Co., and Partnership Firm involved in the business of Manufacturing, Trading or Services.

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Fees and Charges of HDFC XPRESS Business Loan

Fee / Charge Type	Charges
Loan Processing Charges	Up to 2.00%* of the loan amount. NIL processing fees for loan facility up to ₹5 lakh availed by Micro and Small Enterprises, subject to submission of Udyam Registration Certificate (URC) prior to disbursal.
Premature Closure Charges (For Part Payment)	Partial premature closure charges (applicable on part payment amount): • Partial prepayment allowed after payment of first EMI. • Post 01 EMI and up to 24 EMIs: 4% of part payment amount. • Post 24 EMIs and up to 36 EMIs: 3% of part payment amount. • Post 36 EMIs: 2% of part payment amount. • Part payment allowed up to 25% of principal outstanding, only once in a financial year and twice during the loan tenure. NIL premature closure charges for fixed-rate loan facility up to ₹50 lakh availed by Micro and Small Enterprises, closure from own sources, subject to submission of Udyam Registration Certificate prior to disbursal.
Delayed Instalment Payment Charge	18% p.a. plus applicable government taxes on overdue instalment amount.
Stamp Duty and Other Statutory Charges	As per applicable laws of the respective state.
Amortisation Schedule / Repayment Schedule Charges	Rs. 50 per schedule for a physical copy. Customers can also download the schedule from the website free of cost.
Payment Return Charges	Rs. 450 per instance.

Common Eligibility Criteria of HDFC Bank XPRESS Business Loan

Nationality: Must be an Indian national
Age: Minimum-21, Maximum-65 years
Income: Rs 1.5 lakh annually
Turnover: Rs. 40 lakh and more
Employment: 3 years in current business, 5 years of total business experience
Profitability: 2 years of profitable business
Eligible Entities: Self-employed individual, Proprietor, Private Ltd. Co., and Partnership Firm involved in the business of Manufacturing, Trading or Services.

HBFC Bank Business Loan: Documents Required

PAN Card
Identity Proof (Any one): Aadhaar Card, Passport, Voter's ID Card, PAN Card, Driving Licence
Address Proof (Any one): Aadhaar Card, Passport, Voter's ID Card, Driving Licence
Bank Statement: Past 6 months
Financial Statements: Latest Income Tax Return (ITR), along with the computation of income
Balance Sheet and Profit & Loss Account for the last 2 years, after being CA Certified/Audited
Proof of Business Continuation (Any one): Income Tax Return (ITR), Trade Licence, Establishment/Sales Tax Certificate
Other Mandatory Documents:
- For Sole Proprietorship: Sole Proprietorship Declaration
- For Partnership Firm: Certified Copy of Partnership Deed
- For Company: Certified true copy of Memorandum & Articles of Association (certified by Director) Or Board resolution (Original).

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.

Explore Our Business Loan Lenders

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All Your Needs

FAQs

To apply for HDFC Bank’s Business Loan online, applicants can head to Paisabazaar's website and select HDFC Bank’s business loan offer and click on apply.

Self-employed individuals, Proprietors, Private Ltd. Co., and Partnership Firm involved in the business of Manufacturing, Trading or Services can apply for HDFC Bank’s XPRESS Business Loan.

You can reach out to HDFC Bank’s 24/7 WhatsApp number on +91 707002222

HDFC Bank offers pre-approved business loans to its select customers. It claims to disburse the amount in the borrower’s account in 10 seconds.

Under the Credit Protect Plan, the principal outstanding amount up to 100% will be insured. The premium will be deducted at the time of disbursal from the loan amount.

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What our customers say

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Written By

Sumit Kumar

Reviewed By

Shamik Ghosh

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HDFC Bank Business Loan