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Housing Development Board (HDB) financial services is a subsidiary of HDFC bank. It offers business loans at affordable interest rates. Apart from business loans, it also offers personal loans, gold loans, auto, and commercial vehicle loans. HDB offers business loans at interest rates starting from 22% with additional benefits.

HDB Finance Business Loan Key Features

Interest Rate - 22% onwards

Loan Amount - Max. Rs. 30 lakhs

Repayment Tenure - From 12 to 48 months

Collateral - Not required

Eligibility Criteria

Profession type/Categories

Self-employed (Professionals)

Self-employed (Individuals)

Self-employed (Pvt. Cos. and Partnership Firms)

Age – Min.

22 Years

21 Years

22 Years

Age – Max.

65 Years

65 Years

65 Years

Business existence

Min. 3 years

Min. 4 years

Min. 4 Years

Min. Annual Income – Metro area

Rs. 1 lakh (p.a.)

Rs. 1 lakh (p.a.)

Rs. 1 lakh (p.a.)

Min. Annual Income – Non-metro areas

Rs. 75,000 (p.a.)

Rs. 75,000 (p.a.)

Rs. 75,000 (p.a.)

Benefits of HDB Business Loans

  • Door-step services
  • No security or guarantor is required while applying for a business loan
  • Hassle-free documentation
  • Fast disbursal of the loan amount
  • Special concessions for self-employed doctors

How To Apply for HDB Business Loans

Applying for HDB business loans is easy as one can do so by visiting the nearest branch office. An applicant can even apply online for a business loan. One has to fill the application form online and the company representatives will then reach out.

HDB Business Loan Application Status

After applying for a business loan, an applicant can inquire about the loan status at the nearest HDB branch. The branch executives will inform applicants about the status of the loan application.

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CIN No

U72100TN2012PTC085154

IRDAI Registration Number

CA0665

Valid Till

01-Aug-2025

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