Private Sector BankTerm Loan (Capex / Expansion)Small Enterprise (Investment ≤ ₹10 Cr)🛡️CGTMSE CoveredVerified: 2026-09-29

HDFC Bank Business Growth Loan (Unsecured)

Primary Lending Institution:HDFC Bank Ltd.

₹5 Lakh to ₹75 Lakh MSME credit at 10.50% – 15.00% with Up to 4 years tenure.

Interest Rate10.50% – 15.00%Linked to EBLR / MCLR / Risk

Loan Amount Quantum₹5 Lakh to ₹75 LakhBased on turnover & project cost

Repayment TenureUp to 4 yearsWith moratorium where applicable

Collateral SecurityRequires minimum 3 years business vintage, ITR of at least 2 years, and annual turnover ≥ ₹40 Lakh.

What's Missing: Crucial Fine-Print & Exclusion Gaps

Requires minimum 3 years business vintage, ITR of at least 2 years, and annual turnover ≥ ₹40 Lakh.

Note: Eligo publishes these regulatory and commercial exclusions directly from bank product guidelines and CGTMSE rules to protect MSME applicants from unexpected fee debits or loan rejection surprises.

What is HDFC Bank Business Growth Loan (Unsecured)?

Unsecured business term loan offering quick liquidity for business expansion, showroom renovation, or bulk inventory purchase.

Key Benefits & Features

No physical collateral or property mortgage required; instant digital sanction; flexible tenure up to 48 months.

Government Subsidy & Credit Guarantee Coverage

CGTMSE / Bank Guarantee / Normal Security

Enterprise Eligibility Criteria

Self-employed professionals, traders, and small manufacturers with profitable track record.

Business Vintage3+ Years in Operation

Min. Annual Turnover₹40.0 Lakh

Processing Fee1.50% to 2.50% + GST

Prepayment TermsZero prepayment penalty on floating rate loans as per regulatory norms

How to Apply (3 Verified Paths)

💼Path 1: Current Account Portal

Apply online via business net banking or approach loan account manager.

🌐Path 2: Official FinTech / Govt Portal

Apply online at https://www.hdfcbank.com/personal/borrow/popular-loans/business-loan with digital KYC and financial statements.

🏢Path 3: SME Banking Center Walk-In

Visit nearest MSME branch of the institution with business registration and bank statements.

Eligo does not collect business loan applications or financial data. Apply directly on the verified official domain:

Visit Official Portal↗

Documents Required Checklist

Udyam Registration Certificate, PAN, Aadhaar, Last 2 years ITR and financial statements, 12 months GST returns, 6 months bank statement.

Frequently Asked Questions

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.