HDFC vs Bandhan Business Loan, 2026.
Reviewed by Jay Patel· Last reviewed:
HDFC Bank and Bandhan Bank side by side — interest rate, EMI, processing fee and fine print — so you can see which one suits your profile.
HDFC vs Bandhan — Business Loan Comparison
Key parameters compared side by side.
| Parameter | HDFC | Bandhan |
|---|---|---|
| Interest Rate (p.a.) | 10.75% – 22.5% | 12% – 16% |
| Processing Fee | 1.50% (min ₹10,000) | 2.00% (min ₹5,000) |
| Max Loan Amount | Rs 5 Cr | Rs 1 Cr |
| Max Tenure | 7 Years | 5 Years |
| Bank Type | Private Sector | Private Sector |
| Founded | 1994 | 2015 |
| Headquarters | Mumbai | Kolkata |
Interest Rate (p.a.)
HDFC
10.75% – 22.5%
Bandhan
12% – 16%
Lower/better: HDFC
Processing Fee
HDFC
1.50% (min ₹10,000)
Bandhan
2.00% (min ₹5,000)
Max Loan Amount
HDFC
Rs 5 Cr
Bandhan
Rs 1 Cr
Lower/better: HDFC
Max Tenure
HDFC
7 Years
Bandhan
5 Years
Lower/better: HDFC
Bank Type
HDFC
Private Sector
Bandhan
Private Sector
Founded
HDFC
1994
Bandhan
2015
Headquarters
HDFC
Mumbai
Bandhan
Kolkata
Rates as of September 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.
HDFC
Bandhan
Savings: Choosing HDFC saves you approximately ₹1,253 per month, or ₹75,180 in total interest over the loan tenure.
Feature Comparison
Key features offered by HDFC and Bandhan for business loan.
| Feature | HDFC | Bandhan |
|---|---|---|
| Pre-approved offers for existing HDFC customers | ||
| Flexi-loan option | ||
| Working capital + term loan combo | ||
| Online disbursement | ||
| Micro & small enterprise focus | ||
| No collateral for small amounts | ||
| Quick disbursement | ||
| Doorstep banking |
Pre-approved offers for existing HDFC customers
Flexi-loan option
Working capital + term loan combo
Online disbursement
Micro & small enterprise focus
No collateral for small amounts
Quick disbursement
Doorstep banking
Which Is Better — HDFC or Bandhan?
It depends on your priorities. Here is a quick guide.
Choose HDFC If...
- Lower starting interest rate (10.75% vs 12%)
- Higher max loan amount (Rs 5 Cr vs 1 Cr)
- Longer max tenure (7 yrs vs 5 yrs)
Choose Bandhan If...
- Lower maximum rate (16% vs 22.5%)
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.
HDFC 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.
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 HDFC vs Bandhan business loan.
Which bank has a lower business loan interest rate in 2026 — HDFC or Bandhan?
HDFC currently shows a lower published starting rate of 10.75% 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 HDFC vs Bandhan?
HDFC offers a higher maximum loan amount of up to Rs 5 Cr. HDFC 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 — HDFC or Bandhan?
HDFC lists a processing fee of 1.50% (min ₹10,000), while Bandhan lists 2.00% (min ₹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 HDFC or Bandhan for business loan in 2026?
The best choice depends on your specific needs. HDFC offers rates from 10.75%–22.5% 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 HDFC and Bandhan?
Money Matrix Hub can help you compare available lender information for HDFC 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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