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Unsecured Business Loans
HDFC Bank, headquartered in Mumbai, is one of India’s most trusted private sector banks, known for digital innovation, transparent lending, strong MSME support, and consistent customer satisfaction nationwide.
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🚀 Grow Your Business Faster with HDFC Bank Unsecured Business Loan
Whether you’re expanding operations, managing working capital, or upgrading equipment, HDFC Bank Unsecured Business Loan gives you quick access to funds without pledging any asset. PoketCare helps you match eligibility smartly and get faster approvals
📊 Types of HDFC Bank Unsecured Business Loan & Key Features
Explore all types of HDFC Bank Unsecured Business Loans with interest rate, tenure, processing fee and loan amount details.
| Loan Type | Interest Rate* | Loan Amount | Maximum Tenure | Processing Fees |
|---|---|---|---|---|
| MSME Business Loan | Starting from ~10.75% p.a. | ₹50,000 – ₹75 Lakhs | Up to 48 months | Up to 2.5% + GST |
| Working Capital Loan | Risk-based pricing | Up to ₹50 Lakhs | Up to 36 months | As per profile |
| Professional Business Loan | Profile-based | Up to ₹75 Lakhs | Up to 48 months | Up to 2% + GST |
| Small Business Loan | Customised | ₹50,000 – ₹40 Lakhs | Up to 36 months | As applicable |
*Rates are indicative and depend on credit profile.
💡 PoketCare Pro Tip
Applying via PoketCare allows lenders to compete for your profile, often reducing interest rate and fees.
🛡️ Insurance Recommendation (Strongly Suggested)
Protect your business loan with suitable insurance for uninterrupted repayment.
🔐 Recommended Insurance
- HDFC Life Credit Protect
- HDFC ERGO Loan Protection Insurance
Why Insurance Matters:
- EMI protection during illness or accident
- Business continuity assurance
- Peace of mind for family & partners
💡 PoketCare Pro Tip
Insurance cost is minimal compared to EMI risk — especially for single-income businesses.
🎯 Purpose of Unsecured Business Loan & Ideal Borrowers
Understand permitted end-use and ideal borrower profile for HDFC Bank Unsecured Business Loan.
✅ Permitted Loan Uses
- Working capital & cash flow management 💰
- Business expansion & renovation 🏗️
- Equipment & machinery purchase ⚙️
- Marketing & digital growth 📈
- Debt consolidation 🔁
👤 Ideal Borrowers
- Applicant: Business owner / professional aged 21–65
- Co-Applicant: Spouse or business partner (income pooling allowed)
💡 PoketCare Pro Tip
Adding a co-applicant with stable income can significantly increase loan eligibility and reduce EMI burden.
✅ Eligibility Criteria – HDFC Bank Unsecured Business Loan
Check minimum eligibility, income requirement and income-clubing options for HDFC Bank Unsecured Business Loan.
📌 Basic Eligibility
- Indian resident
- Business vintage: Minimum 2–3 years
- CIBIL Score: 650+ preferred
- Regular bank transactions
💸 Minimum Income Requirement
- Self-Employed: ₹1.5–2 Lakhs monthly average credit
- Professionals: ₹2 Lakhs+ monthly gross receipts
➕ Other Income Considered
- Rental income
- Partner/shareholder income
- Secondary business income
- Spouse income (case-to-case)
💡 PoketCare Pro Tip
Many rejections happen due to under-reported income. PoketCare structures your income smartly to maximise eligibility.
📑 Documents Checklist – Simple & Clear
Complete document list for salaried and self-employed applicants applying for HDFC Bank Unsecured Business Loan.
🧾 Salaried (If Applicable)
- Aadhaar & PAN
- Last 6 months bank statement
- Salary slips (3 months)
- Address proof
🧾 Self-Employed / Business Owner
- Aadhaar & PAN
- Business proof (GST / Shop Act / License)
- Last 6–12 months bank statement
- ITR (2–3 years)
- Financials (P&L, Balance Sheet – if applicable)
💡 PoketCare Pro Tip
Even GST-exempt businesses can qualify if bank inflows are strong.
All Charges – Pre & Post Disbursement (Transparent View)
Know all charges involved in HDFC Bank Unsecured Business Loan before and after disbursement.
| Charge Type | Amount / Details |
|---|---|
| Processing Fee | Up to 2.5% + GST |
| Documentation Charges | Nil / Included |
| Foreclosure Charges | 2–5% (as per tenure) |
| Part-Payment Charges | As per loan terms |
| EMI Bounce Charges | ₹450–₹750 per bounce |
| Late Payment Penalty | As per bank policy |
| GST | Applicable as per law |
💡 PoketCare Pro Tip
We negotiate foreclosure & part-payment terms upfront so you don’t regret later.
🌟 Benefits of HDFC Bank Unsecured Business Loan on PoketCare
Discover exclusive benefits of applying HDFC Bank Business Loan via PoketCare.
- ⚡ Faster approval with AI profile matching
- 📉 Lower interest through lender competition
- 📞 Free lifetime human + chatbot support
- 📄 Paperless application process
- 🔍 Transparent comparison before applying
- 🎯 Higher approval probability
💡 PoketCare Pro Tip
Never apply blindly. One wrong application can hurt your CIBIL score — PoketCare applies only where approval chances are high.
🔗 Useful Full Links for Business Loan Borrowers
- HDFC Bank Official Website: https://www.hdfcbank.com
- PoketCare Business Loan Comparison: https://www.poketcare.com/business-loan
- EMI Calculator: https://www.poketcare.com/emi-calculator
- Free CIBIL Score Check: https://www.poketcare.com/cibil-score
🏁 Conclusion – Smart Business Funding Starts Here
HDFC Bank Unsecured Business Loan is ideal for entrepreneurs who need speed, flexibility, and zero collateral. With PoketCare, you don’t just apply — you apply smart, with expert guidance, better rates, and complete transparency.
👉 Apply once. Compare many. Grow confidently with PoketCare. 🚀