Compare Business Loan rates in Guwahati, 2026.
Reviewed by Rushik Patel· Last reviewed:
Guwahati, the gateway to North-East India, is the regional headquarters for IT, education, and healthcare. GS Road and Beltola are the top residential corridors driven by professionals serving the seven sister states.
Published/indicative business loan rate information for Guwahati, Assam starts from 10% per annum in 2026. Loan amount, tenure, eligibility, pricing and approval depend on lender policy and applicant details.
Compare Business Loan options in Guwahati
Review the available rate information for Guwahati; lender pricing and eligibility vary by applicant and property.
Published/Indicative Rates
Compare the lender rate entries shown for business loan; final pricing depends on lender policy and your details.
Guwahati Local Expertise
Our advisors know Guwahati's top areas: GS Road, Beltola, Hatigaon, Dispur and more.
Review Terms Carefully
Check lender pricing, processing fees and any advisory terms before proceeding.
Lender Processing Timeline
Processing times vary by lender, application details, documents and verification.
Business Loan Rates in Guwahati — 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 Guwahati 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 Guwahati
General eligibility criteria for business loan applicants in Guwahati, Assam.
Salaried Applicants
- Age: 21 – 60 years
- Min Income: Rs 30,000/month
- Work Experience: 2 years
- CIBIL Score: 700+
- Property in Guwahati or Assam
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 Guwahati
Typical steps run from application to disbursal; lender approval and disbursal decisions remain with the lender.
Share Your Requirements
Share your Business Loan needs in Guwahati — amount, tenure preference, and property details. An advisor can review the information provided, while lender assessment timing and decisions vary.
Compare Available Lender Information
Review available lender information in Guwahati in a side-by-side comparison of indicative rate, EMI, processing fee, and total interest. Confirm current lender documents before applying.
Compare Lender Terms
Compare lender terms in Guwahati based on rate, tenure flexibility, fees, and service information. The lender controls the final offer and decision.
Documentation & Filing
Use the lender's current checklist to compile documents in Guwahati. Submit the application through the channel the lender confirms and retain copies of everything provided.
Lender Sanction & Disbursal
Sanction and disbursal timing in Guwahati 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 Guwahati
Keep these documents ready to speed up your business loan application in Guwahati.
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 Guwahati — Frequently Asked Questions
Common questions about business loan in Guwahati, Assam.
What are the current Business Loan rates in Guwahati in 2026?
Which bank offers the lowest Business Loan rate in Guwahati?
How much Business Loan can I get in Guwahati?
What documents are needed for a Business Loan in Guwahati?
How long does Business Loan processing take in Guwahati?
Other Loan Products in Guwahati
Explore more loan options available in Guwahati through Money Matrix Hub.
Areas listed for Business Loan in Guwahati
Localities included in the Guwahati reference data.
Business Loan in Other Cities
Compare business loan rates and apply in 50+ cities across India.
Want to compare your rate with published lender information?
Send your details on WhatsApp for a lender-rate comparison. Response time and next steps vary by enquiry and lender.