HDFC Business Loans

Grow your small firm or large-scale company with business loans from JJ Marketing Direct Sales Partner.

Our business loans come with a host of benefits and are tailor-made to meet your unique business needs.

We offer among the best business loans in India, with complete transparency and competitive interest rates. Also, HDFC business loans do not require any security.

Key Features

  • Fulfil Your Every Need
    Avail of a loan Upto 75 Lacs loan amount without any collateral, guarantor or security, to fulfil your every business need, from business expansion and working capital, to your child's education or a home renovation.
  • Transfer Loan Balance with Ease
    Transfer your existing Business Loan to HDFC Bank for lower EMIs, and enjoy our benefits
  • Flexible Tenure
    You can repay your loan over a period of 12 to 48 months.
  • Door Step Services
    For any help with your loan, you can Call Us and we will be at your Service Immediately

*Terms and conditions apply. Loan at sole discretion of HDFC Bank limited. Subject to documentation and verification as per Banks requirement.

Benefits

Dropline Overdraft Facility

You can get in touch via SMS, or phone banking, and check your personal loan eligibility online in just 60 seconds.

  • Dropline Overdraft Facility up to Rs.5 Lac - 15 Lac*
  • No Guarantor / Security required.
  • Tenure ranging from 12-48 months.
  • Attractive Rate of Interest
  • No Foreclosure / part Closure shall be permitted during the first 6 months of the limit setting.

Stay Protected

Take care of your loved ones by paying a nominal premium* and covering your loan with our Credit Protect Plan:

  • In case of Natural/Accidental Death of the customer, the customer/nominee can avail of the Payment Protection Insurance (Credit Protect), which insures the principle outstanding on the loan up to a maximum of the loan amount.
  • The premium for this product will be deducted from the loan amount at the time of disbursal, after levying service taxes and applicable surcharge/cess at the rates notified by the government.
  • Benefits
    • Protects the family by paying off the loan amount in case of death of the customer
    • Life Coverage – provides peace of Mind
    • No need to use other savings to repay the loan
    • Tax Benefits as per applicable laws
    • One convenient package - loan + insurance

*Terms and conditions of the insurers shall apply. The policy is offered by HDFC Ergo GIC Ltd.

Eligibility Criteria

Business Loan Eligibility Criteria

Our business loan eligibility criteria is applicable for self-employed individuals, proprietors, private limited companies and partnership firms.

Read the details below to know more about our business loan eligibility criteria.

    The following people are eligible to apply for a Business Loan:

  • Self employed individuals, Proprietors, Private Ltd. Co. and Partnership Firms involved in the business of Manufacturing, Trading or Services.
  • The business should have a minimum turnover of Rs. 120 Lac/ 85 Lac/ 75 Lac* (subject to location) for Traders and Manufacturer
  • The business should have a minimum turnover of Rs. 60 Lac/ 50 Lac/ 40 Lac* (subject to location) for Services Providers
  • Individuals who have been in the current business for a minimum of 3 years, with 5 years total business experience.
  • Those whose business has been profit making for the previous 2 years
  • The business should have a Minimal Annual Income (ITR) of Rs. 1.5 lakhs per annum
  • The applicant should be at least 21 years at the time of applying for the loan, and should be no older than 65 years at the time of loan maturity

Documentation

Business Loan Documentation

Simple and quick documentation, enabling speedy disbursals. Read more about the required documents for business loans below.

    The following documents are required along with your Business Loan application:

  • PAN Card – For Company/Firm/Individual
  • A copy of any of the following documents as identity proof:
    • Aadhaar Card
    • Passport
    • Voter's ID Card
    • Driving License
  • Bank statement of the previous 6 months
  • Latest ITR along with computation of income, Balance Sheet and Profit & Loss account for the previous 2 years, after being CA Certified/Audited
  • Proof of continuation (ITR/Trade license/Establishment/Sales Tax Certificate)
  • Other Mandatory Documents [Sole Prop. Declaration Or Certified Copy of Partnership Deed, Certified true copy of Memorandum & Articles of Association (certified by Director) & Board resolution (Original)]
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