एचडीएफसी बैंक (HDFC) SmartHub व्यापार व्यवसाय ऋण
ऋण प्रदाता बैंक / संस्था: HDFC Bank Ltd.
₹1 Lakh to ₹25 Lakh MSME credit at 11.00% – 16.00% with Up to 3 years tenure.
💼उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)
उत्पाद का संक्षिप्त विवरण
Digital pre-approved business loan tailored for merchants and retailers using HDFC SmartHub Vyapar QR and POS payment systems.
प्रमुख लाभ एवं व्यावसायिक विशेषताएं
Underwritten on merchant QR transaction history; zero financial paperwork; instant credit to current account.
📋पात्रता मानदंड एवं कोलेटरल नियम (Eligibility & Collateral)
व्यावसायिक पात्रता शर्तें
Retailers and service merchants processing payments on HDFC SmartHub app.
जमानत / कोलेटरल आवश्यकता (Collateral)
Requires active SmartHub Vyapar merchant account with regular monthly UPI transaction volumes.
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 active SmartHub Vyapar merchant account with regular monthly UPI transaction volumes.
🚀आवेदन के चरण (How to Apply)
Apply online via business net banking or approach loan account manager.
Apply online at https://www.hdfcbank.com/sme/smarthub-vyapar 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 SmartHub Vyapar Business Loan?
Borrowers can avail ₹1 Lakh to ₹25 Lakh with a repayment tenure of Up to 3 years.
What are the processing charges and collateral terms for HDFC SmartHub Vyapar Business Loan?
The processing fee is 1.50% + GST. Collateral terms: Requires active SmartHub Vyapar merchant account with regular monthly UPI transaction volumes.
What are the eligibility criteria for HDFC SmartHub Vyapar Business Loan?
Retailers and service merchants processing payments on HDFC SmartHub app. Minimum business vintage required is 1 year(s).
How can an applicant apply for HDFC SmartHub Vyapar Business Loan?
Apply online at https://www.hdfcbank.com/sme/smarthub-vyapar or visit nearest branch with KYC, Udyam registration, and bank statements.