HDFC Bank
HDFC Bank Business Loan
Rate from10.75%
Max amount₹50 L
EMI/L · 4y₹2,572
Disbursal5-10 business days
- Collateral-free
- Digital-first application
CIBIL: 700+ · Self-employed · Professional
OTP-verified soft check · won’t affect your credit score · DPDP-consented
Move the sliders to see monthly EMI, total interest, and total cost of this loan.
Your actual rate depends on your credit profile, income, and employer category.
Monthly EMI
Total interest
Total payment
Processing fee (1%)
Total cost of this loan
✨ interest + processing fee
✓ Best for
Established MSMEs in manufacturing/trade/services with 3+ years vintage — SME Smart Score gives EBR-linked pricing plus quick scoring up to ₹50L.
⚠ Not ideal for
Startups under 2 years — SBI vintage threshold rules out most early-stage businesses.
For a ₹10 L loan over 4 yrs at 8.00% — your best-case scenario.
You repay ₹11,81,820 for ₹10,00,000 borrowed.
Customize amount, tenure & rate in the EMI calculator above ↑
This is a floating-rate loan. No prepayment penalty — you can foreclose or pre-pay any amount at any time, free of charge (RBI mandate for floating-rate individual loans).
India’s largest public-sector bank. EBLR 7.90% (repo 5.25 + 2.65 spread) effective 01-Apr-2026; home loans from 7.50%, Xpress Credit personal from 11.45%, auto from 8.70%.
Visit State Bank of India websiteSee how State Bank of Indiacompares on rate, fees & eligibility.
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Protect the business
Key-person term life insurance keeps the business and the loan EMIs running if the founder is unavailable.
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