Business Loan

Credit for your business — from a bank built for this community

At Hindusthan, small businesses get more than a loan — they get a financial partner with 55+ years of roots in Mumbai's business community

Credit structured around how your business actually works

📊

Income Assessment Suited to Irregular Earnings

Most banks judge your business by salaried benchmarks. We judge it by what it actually earns — through your ITR, bank statements, and real cash flow.

⚡

Fast Processing for Existing Members

Existing Hindusthan Current Account holders benefit from significantly faster processing — your account history, transaction patterns, and KYC are already verified.

📅

Flexible Repayment Tenure

Choose a tenure from 60 months to 10 years depending on loan type and business purpose. Working capital loans are structured for short cycles.

💼

Flexible Financing Options

Loans available for working capital, expansion, equipment purchase, or other business needs

📈

Balance Transfer Facility

Option to transfer existing business loans from other banks for better rates and terms.

🏦

Collateral Options

Business loans above a certain amount may require collateral — which can include property, Fixed Deposits, gold, or other approved assets.

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Fixed Interest Rate

Your rate is fixed at sanction and stays that way — predictable EMIs from the first month to the last.

🔍

Relationship-Based Assessment

Your application is reviewed by a person, not a system — your business history, bank relationship, and circumstances all considered.

📊

Income Assessment Suited to Irregular Earnings

Most banks judge your business by salaried benchmarks. We judge it by what it actually earns — through your ITR, bank statements, and real cash flow.

⚡

Fast Processing for Existing Members

Existing Hindusthan Current Account holders benefit from significantly faster processing — your account history, transaction patterns, and KYC are already verified.

📅

Flexible Repayment Tenure

Choose a tenure from 60 months to 10 years depending on loan type and business purpose. Working capital loans are structured for short cycles.

💼

Flexible Financing Options

Loans available for working capital, expansion, equipment purchase, or other business needs

📈

Balance Transfer Facility

Option to transfer existing business loans from other banks for better rates and terms.

🏦

Collateral Options

Business loans above a certain amount may require collateral — which can include property, Fixed Deposits, gold, or other approved assets.

🔒

Fixed Interest Rate

Your rate is fixed at sanction and stays that way — predictable EMIs from the first month to the last.

🔍

Relationship-Based Assessment

Your application is reviewed by a person, not a system — your business history, bank relationship, and circumstances all considered.

Who are Eligible

Traders & Merchants
Small & Micro Business Owners
Self-Employed Professionals
Existing Hindusthan Members

Required Documents

Aadhaar Card
Valid Aadhaar card for identity and address verification
PAN Card
Mandatory for all personal loan applicants
Address Proof
Utility bill, passport, driving licence, or bank statement — not older than 3 months
Photograph
2 recent passport-size photographs
Income Proof
Salary slips, ITR filings, pension certificate, or business financials — based on your applicant type
Bank Statements
Last 6 to 12 months' statements — salaried, self-employed, or current account as applicable
Employment or Business Proof
Appointment letter, employer ID, GST registration, or business certificate — as applicable
Loan Application Form
Completed and signed — available at your nearest branch

How To Register

1
Before applying, confirm which loan type matches your business need — working capital, machinery loan, expansion, or overdraft. Use the EMI Calculator to estimate your monthly repayment commitment.
2
Review the eligibility criteria above for your business type. If you are close to any threshold — business vintage, turnover, or account history — speak to your branch before ruling yourself out.
3
Gather all documents from the checklist relevant to your business type and loan category. Download and complete the Business Loan Application Form before your branch visit.
4
Submit your completed application and all supporting documents at your home branch. Your loan officer will review your application, conduct an initial eligibility assessment, and advise on any additional documentation or collateral required.
5
Once approved, you will receive a Business Loan Sanction Letter confirming the approved amount, interest rate, tenure, repayment structure, and any conditions.

Business Loan Calculator

Loan Amount

₹

Min ₹1,000Max ₹1,00,00,00,000

Interest Rate (% per annum)

Min 7%Max 30%

Tenure

Months

Min 12 monthsMax 480 months

Monthly EMI

₹86.53

for 12 months

Total Interest

₹38.32

Total Repayment

₹1,038.32

Disclaimer: The calculator provides estimated EMI; actual figures will be as per RBI guideline. Final calculations will be available at the branch. Floating / Fixed ROI will be available based on customers requirement

Frequently Asked Questions

The minimum business vintage requirement is [X] years for most loan types. This means your business must have been operating for at least [X] years at the time of application. For businesses with less than [X] years of history, contact your branch — in some cases, strong personal credit history, collateral, or an existing Hindusthan account relationship may support an application from a newer business.

Yes. Hindusthan's business loan assessment takes into account the actual cash flow pattern of your business — not just a simple monthly income average. If your business has strong seasonal peaks and lower off-season months, your loan officer will assess your annual income and cash flow cycle holistically. Bring 12 months of bank statements and ITR to give the most complete picture of your business's financial health.

A working capital loan is a fixed-amount loan disbursed to your account — you repay it in monthly installments over a fixed tenure. An overdraft is a revolving credit limit attached to your Current Account — you draw from it as needed and pay interest only on the daily outstanding balance. The overdraft is more flexible and cost-effective for businesses with irregular cash flow. The working capital loan is better suited for a specific, one-time funding requirement with a defined repayment timeline.

Collateral requirements vary by loan amount and applicant profile. Smaller loans to existing members with strong account history and ITR documentation may be sanctioned without collateral. Larger loans — above ₹[X] lakh — typically require collateral in the form of property, Fixed Deposits, gold, or other approved assets. Your loan officer will advise on collateral requirements at the time of application.

Yes. Partnership firms — including registered and unregistered partnerships — can apply for business loans. The Partnership Deed, individual KYC of all partners, business KYC documents, and financial statements are required. All partners must sign the loan agreement and are jointly and severally liable for repayment.

The maximum loan amount is assessed based on your business's annual turnover, net income as per ITR, existing debt obligations, cash flow patterns from bank statements, and the value of any collateral offered. For working capital loans, the assessment also considers your business's operating cycle — how long it takes to convert inventory into receivables into cash. Your loan officer will explain the assessment in detail at the time of application.

A missed EMI attracts a late payment penalty as per the loan agreement and may negatively affect your credit profile. For businesses facing temporary cash flow difficulties, contact your branch before the due date — not after. Early communication gives the best chance of arranging a manageable resolution. Prolonged non-payment may result in the loan being classified as a non-performing asset with associated legal consequences.

Yes. Existing Hindusthan Current Account holders with a satisfactory account history benefit from faster processing at every stage — KYC verification, income assessment, and credit review. Your account transaction history serves as supplementary income evidence, reducing the documentation burden and accelerating the assessment timeline. For members with strong account histories, the business loan process is significantly shorter than for new applicants.