Compare Business Loan rates in Gurgaon, 2026.
Reviewed by Rushik Patel· Last reviewed:
Gurgaon (Gurugram), the millennium city of NCR, is India's corporate powerhouse with major MNCs headquartered along Golf Course Road and Cyber City. Dwarka Expressway and New Gurgaon sectors offer the best value for new homebuyers.
Published/indicative business loan rate information for Gurgaon, Haryana starts from 10% per annum in 2026. Loan amount, tenure, eligibility, pricing and approval depend on lender policy and applicant details.
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Published/Indicative Rates
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Gurgaon Local Expertise
Our advisors know Gurgaon's top areas: Golf Course Road, Sohna Road, Sector 56-57, DLF Phase 1-5 and more.
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Business Loan Rates in Gurgaon — Published/Indicative Comparison
Updated April 2026. Figures are published/indicative and may change; verify current lender terms.
| Bank | Rate (p.a.) | Key Feature |
|---|---|---|
| SBI | 10.25% – 14.5%Lowest shown | MSME priority processing |
| PNB | 10.35% – 14.75% | PNB Pragati scheme for MSME |
| HDFC | 10.5% – 15% | Instant approval for existing HDFC customers |
| BoB | 10.5% – 14.75% | Baroda Mudra Loan |
| Canara | 10.5% – 14.5% | MSME priority lending |
| Union | 10.5% – 14.75% | Union MSME scheme |
| ICICI | 11% – 15.5% | InstaBIZ portal for MSMEs |
| IDFC | 11% – 15.5% | Fast digital journey |
| Bajaj | 11% – 15% | Flexi business loan |
| Federal | 11% – 14.5% | MSME focus |
| Tata | 11% – 15.5% | Unsecured business loans |
| Axis | 11.25% – 15.75% | Evolve business loan for SMEs |
| Kotak | 11.5% – 16% | Pre-approved for Kotak CA holders |
| LIC | 11.5% – 15% | Property-backed business loans |
| Bandhan | 12% – 16% | Micro & small enterprise focus |
Updated April 2026: published/indicative business loan rate entries for Gurgaon are shown from 10.25% per annum. Actual rate, eligibility and approval depend on lender policy, applicant profile, loan amount and property location.
Business Loan Eligibility in Gurgaon
General eligibility criteria for business loan applicants in Gurgaon, Haryana.
Salaried Applicants
- Age: 21 – 60 years
- Min Income: Rs 30,000/month
- Work Experience: 2 years
- CIBIL Score: 700+
- Property in Gurgaon or Haryana
Self-Employed Applicants
- Age: 21 – 65 years
- Min Income: Rs 5 Lakhs/year turnover
- Business Vintage: 3 years
- CIBIL Score: 680+
- Business registered in India
How a Business Loan application may progress in Gurgaon
Typical steps run from application to disbursal; lender approval and disbursal decisions remain with the lender.
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Documentation & Filing
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Lender Sanction & Disbursal
Sanction and disbursal timing in Gurgaon are controlled by the lender and may vary with underwriting, property checks, and documentation. Confirm current lender timelines and disbursal conditions.
Documents Required for Business Loan in Gurgaon
Keep these documents ready to speed up your business loan application in Gurgaon.
For Salaried Applicants
- 1PAN Card & Aadhaar Card
- 2Last 6 months salary slips
- 3Last 2 years Form 16 / ITR
- 4Last 6 months bank statements
- 5Business plan / purpose of loan letter
- 6Passport-size photographs
For Self-Employed Applicants
- 1PAN Card & Aadhaar Card
- 2Last 3 years ITR with computation
- 3Last 3 years audited financials
- 4Last 12 months bank statements
- 5GST returns (last 12 months)
- 6Business registration documents
- 7KYC of all directors / partners
Business Loan in Gurgaon — Frequently Asked Questions
Common questions about business loan in Gurgaon, Haryana.
What are the current Business Loan rates in Gurgaon in 2026?
Which bank offers the lowest Business Loan rate in Gurgaon?
How much Business Loan can I get in Gurgaon?
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How long does Business Loan processing take in Gurgaon?
Other Loan Products in Gurgaon
Explore more loan options available in Gurgaon through Money Matrix Hub.
Areas listed for Business Loan in Gurgaon
Localities included in the Gurgaon reference data.
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