BoB vs Bandhan Business Loan, 2026.
Reviewed by Jay Patel· Last reviewed:
A ledger-columns read on Bank of Baroda and Bandhan Bank— rate, EMI, fee, fine print. Which one wins your file, not the pitch deck.
BoB vs Bandhan — Business Loan Comparison
Key parameters compared side by side.
| Parameter | BoB | Bandhan |
|---|---|---|
| Interest Rate (p.a.) | 10.5% – 14.75% | 12% – 16% |
| Processing Fee | 1.00% (min Rs 5,000) | 2.00% (min Rs 5,000) |
| Max Loan Amount | Rs 5 Cr | Rs 1 Cr |
| Max Tenure | 7 Years | 5 Years |
| Bank Type | Public Sector | Private Sector |
| Founded | 1908 | 2015 |
| Headquarters | Vadodara | Kolkata |
Interest Rate (p.a.)
BoB
10.5% – 14.75%
Bandhan
12% – 16%
Lower/better: BoB
Processing Fee
BoB
1.00% (min Rs 5,000)
Bandhan
2.00% (min Rs 5,000)
Max Loan Amount
BoB
Rs 5 Cr
Bandhan
Rs 1 Cr
Lower/better: BoB
Max Tenure
BoB
7 Years
Bandhan
5 Years
Lower/better: BoB
Bank Type
BoB
Public Sector
Bandhan
Private Sector
Founded
BoB
1908
Bandhan
2015
Headquarters
BoB
Vadodara
Bandhan
Kolkata
Rates as of April 2026. Subject to change based on RBI policy and bank revisions.
EMI Comparison
Estimated EMI for Rs 20 Lakh business loan for 5 years at each bank's listed starting rate.
BoB
Bandhan
Savings: Choosing BoB saves you approximately ₹1,501 per month, or ₹90,060 in total interest over the loan tenure.
Feature Comparison
Key features offered by BoB and Bandhan for business loan.
| Feature | BoB | Bandhan |
|---|---|---|
| Baroda Mudra Loan | ||
| MSME special schemes | ||
| CGTMSE coverage | ||
| Lower rates for Gujarat-based businesses | ||
| Micro & small enterprise focus | ||
| No collateral for small amounts | ||
| Quick disbursement | ||
| Doorstep banking |
Baroda Mudra Loan
MSME special schemes
CGTMSE coverage
Lower rates for Gujarat-based businesses
Micro & small enterprise focus
No collateral for small amounts
Quick disbursement
Doorstep banking
Which Is Better — BoB or Bandhan?
It depends on your priorities. Here is a quick guide.
Choose BoB If...
- Lower starting interest rate (10.5% vs 12%)
- Higher max loan amount (Rs 5 Cr vs 1 Cr)
- Longer max tenure (7 yrs vs 5 yrs)
- Government-backed (public sector bank)
Choose Bandhan If...
- Trusted brand with strong business loan offerings
Need context for this comparison? Contact Money Matrix Hub to discuss the displayed lender information. Any service terms and lender decisions should be confirmed before proceeding.
Eligibility Comparison
General eligibility criteria for business loan at both banks.
BoB Eligibility
- Business vintage: 2+ years (ITR required)
- Min annual turnover: Rs 10 Lakh
- CIBIL score: 650+ preferred
- Valid GST registration
- Age: 21–65 years at loan maturity
Criteria may vary. Contact Money Matrix Hub for exact eligibility assessment.
Bandhan Eligibility
- Business vintage: 2+ years (ITR required)
- Min annual turnover: Rs 15 Lakh
- CIBIL score: 650+ preferred
- Valid GST registration
- Age: 21–65 years at loan maturity
Criteria may vary. Contact Money Matrix Hub for exact eligibility assessment.
Frequently Asked Questions
Common questions about BoB vs Bandhan business loan.
Which bank has a lower business loan interest rate in 2026 — BoB or Bandhan?
BoB currently shows a lower published starting rate of 10.5% p.a. for business loan. However, the actual rate you receive depends on lender eligibility, current documentation, credit score, income, and loan amount. Money Matrix Hub can help you compare available lender information from both banks.
What is the maximum business loan amount I can get from BoB vs Bandhan?
BoB offers a higher maximum loan amount of up to Rs 5 Cr. BoB offers up to Rs 5 Cr while Bandhan offers up to Rs 1 Cr for business loan.
Which bank charges a lower processing fee for business loan — BoB or Bandhan?
BoB lists a processing fee of 1.00% (min Rs 5,000), while Bandhan lists 2.00% (min Rs 5,000). Fees and waivers can depend on lender policy and borrower eligibility, so confirm the current Key Fact Statement before accepting an offer.
Should I choose BoB or Bandhan for business loan in 2026?
The best choice depends on your specific needs. BoB offers rates from 10.5%–14.75% with a max tenure of 7 years, while Bandhan offers 12%–16% with 5 years tenure. Contact Money Matrix Hub for a personalised comparison based on your profile.
Can Money Matrix Hub help me apply for a business loan from both BoB and Bandhan?
Money Matrix Hub can help you compare available lender information for BoB and Bandhan. Any application, credit enquiry, offer, sanction decision, lender fee, and borrower charge are subject to the relevant lender's current policy and documentation.
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