एचडीएफसी बैंक (HDFC) Bank व्यवसाय Growth ऋण (Unsecured)
ऋण प्रदाता बैंक / संस्था: HDFC Bank Ltd.
₹5 Lakh to ₹75 Lakh MSME credit at 10.50% – 15.00% with Up to 4 years tenure.
💼उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)
उत्पाद का संक्षिप्त विवरण
Unsecured business term loan offering quick liquidity for business expansion, showroom renovation, or bulk inventory purchase.
प्रमुख लाभ एवं व्यावसायिक विशेषताएं
No physical collateral or property mortgage required; instant digital sanction; flexible tenure up to 48 months.
📋पात्रता मानदंड एवं कोलेटरल नियम (Eligibility & Collateral)
व्यावसायिक पात्रता शर्तें
Self-employed professionals, traders, and small manufacturers with profitable track record.
जमानत / कोलेटरल आवश्यकता (Collateral)
Requires minimum 3 years business vintage, ITR of at least 2 years, and annual turnover ≥ ₹40 Lakh.
प्रीपेमेंट एवं समय-पूर्व बंद करने के नियम (Prepayment Terms)
Zero prepayment penalty on floating rate loans as per regulatory norms
📂आवश्यक दस्तावेज (Required Documents)
Udyam Registration Certificate, PAN, Aadhaar, Last 2 years ITR and financial statements, 12 months GST returns, 6 months bank statement.
⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Caveats)
Requires minimum 3 years business vintage, ITR of at least 2 years, and annual turnover ≥ ₹40 Lakh.
🚀आवेदन के चरण (How to Apply)
Apply online via business net banking or approach loan account manager.
Apply online at https://www.hdfcbank.com/personal/borrow/popular-loans/business-loan with digital KYC and financial statements.
Visit nearest MSME branch of the institution with business registration and bank statements.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What is the maximum loan tenure and amount for HDFC Bank Business Growth Loan (Unsecured)?
Borrowers can avail ₹5 Lakh to ₹75 Lakh with a repayment tenure of Up to 4 years.
What are the processing charges and collateral terms for HDFC Bank Business Growth Loan (Unsecured)?
The processing fee is 1.50% to 2.50% + GST. Collateral terms: Requires minimum 3 years business vintage, ITR of at least 2 years, and annual turnover ≥ ₹40 Lakh.
What are the eligibility criteria for HDFC Bank Business Growth Loan (Unsecured)?
Self-employed professionals, traders, and small manufacturers with profitable track record. Minimum business vintage required is 3 year(s).
How can an applicant apply for HDFC Bank Business Growth Loan (Unsecured)?
Apply online at https://www.hdfcbank.com/personal/borrow/popular-loans/business-loan or visit nearest branch with KYC, Udyam registration, and bank statements.