HDFC Bank Business Loan
HDFC Bank Business Loan — collateral-free and pre-approved for current-account customers with digital-first processing.
At 10.75%, HDFC Bank has one of the lowest starting rates of the 13 lenders we track for business loans.
Documents required
- PAN Card
- Aadhaar Card
- GST certificate
- Latest 2 years ITR
- Business proof
- 12 months bank statement
As published by HDFC Bank. Your branch may ask for more.
Best for: Profitable MSMEs with 3+ year vintage and Udyam registration — collateral-free up to ₹50L with NIL processing fee.
Rate structure
- Select locationsUp to ₹75L
Explicitly "in select locations" on the source page; the standard-location ceiling is lower but no exact figure was captured.
Eligibility
Loan terms
- Collateral-free
- Digital-first application
- Pre-approved for HDFC current-account customers
Fees & charges
FAQ
Both exist. Unsecured business loans price higher; secured or scheme-backed loans (e.g. CGTMSE up to the scheme limit) can lower the rate or waive collateral. The right choice depends on ticket size and how fast you need funds.
Every row is date-stamped with the day we last checked it, and links to the lender’s published material so you can confirm it yourself. A row we confirmed against the source reads “Verified”; one we could only sight reads “as of”, and is not presented as confirmed. Anything we have not re-checked in 60 days is marked “rate under review” rather than left to look current. We do not claim a fixed re-checking cycle — the date on each row is the honest answer.
No. Viewing rates is not a credit enquiry and has no score impact. A hard enquiry happens only when you formally apply to a lender.
More from HDFC Bank
- Home LoanRate7.9 – 13.2%Feeup to 1.5%Max tenure30 yr
- Education Loan (India)Rate9.3 – 11.7%Fee1%Max tenure15 yr
- Gold LoanRate9.3 – 17.86%Fee1%Max tenure2 yr