Whether you need working capital, equipment finance or business expansion funds, here is the complete guide.
Current Business Loan Rates (April 2026)
| Lender |
Rate |
Max Loan |
Max Tenure |
| Kotak Mahindra Bank |
9.50–30.50% p.a. |
₹2 Cr |
10 yrs |
| HDFC Bank |
10.75% p.a. |
₹75 L |
5 yrs |
| ICICI Bank |
11.00% p.a. |
₹50 L |
5 yrs |
| Flexiloans |
12.00% p.a. |
₹50 L |
3 yrs |
| Tata Capital |
12.00% p.a. |
₹75 L |
5 yrs |
| LendingKart |
13.50% p.a. |
₹2 Cr |
3 yrs |
| Bajaj Finance |
14–25% p.a. |
₹45 L |
5 yrs |
Eligibility Requirements
| Factor |
Requirement |
| Business vintage |
3+ years operating |
| Annual turnover |
₹90K – ₹250 Cr+ (varies by lender) |
| Credit score |
700+ recommended |
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