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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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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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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

Lenders Interest Rate (% p.a.)
Axis Bank 15% - 19.25%
Bajaj Finserv 14.00% - 23.00%
Flexiloans 12.00% onwards
IDFC FIRST Bank 12.99% onwards
Indifi Capital 18.00% onwards
Kotak Mahindra Bank 9.50% - 30.50%
LendingKart 17.25% onwards
Muthoot Fincorp 15.00% - 36.00%
Shriram Finance 10.00% onwards
Tata Capital 12.00% onwards
YES Bank 15.99% onwards

Rates as on 10th Feb 2026

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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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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