Bajaj vs Bandhan Business Loan, 2026.
Reviewed by Jay Patel· Last reviewed: stale
A ledger-columns read on Bajaj Housing Finance and Bandhan Bank— rate, EMI, fee, fine print. Which one wins your file, not the pitch deck.
Bajaj vs Bandhan — Business Loan Comparison
Key parameters compared side by side.
| Parameter | Bajaj | Bandhan |
|---|---|---|
| Interest Rate (p.a.) | 11% – 15% | 12% – 16% |
| Processing Fee | 2.00% (min Rs 10,000) | 2.00% (min Rs 5,000) |
| Max Loan Amount | Rs 5 Cr | Rs 1 Cr |
| Max Tenure | 7 Years | 5 Years |
| Bank Type | NBFC | Private Sector |
| Founded | 2015 | 2015 |
| Headquarters | Pune | Kolkata |
Interest Rate (p.a.)
Bajaj
11% – 15%
Bandhan
12% – 16%
Lower/better: Bajaj
Processing Fee
Bajaj
2.00% (min Rs 10,000)
Bandhan
2.00% (min Rs 5,000)
Max Loan Amount
Bajaj
Rs 5 Cr
Bandhan
Rs 1 Cr
Lower/better: Bajaj
Max Tenure
Bajaj
7 Years
Bandhan
5 Years
Lower/better: Bajaj
Bank Type
Bajaj
NBFC
Bandhan
Private Sector
Founded
Bajaj
2015
Bandhan
2015
Headquarters
Bajaj
Pune
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 lowest rate.
Bajaj
Bandhan
Savings: Choosing Bajaj saves you approximately ₹1,004 per month, or ₹60,240 in total interest over the loan tenure.
Feature Comparison
Key features offered by Bajaj and Bandhan for business loan.
| Feature | Bajaj | Bandhan |
|---|---|---|
| Flexi business loan | ||
| Property-backed lower rates | ||
| Fast processing | ||
| Pan-India coverage | ||
| Micro & small enterprise focus | ||
| No collateral for small amounts | ||
| Quick disbursement | ||
| Doorstep banking |
Flexi business loan
Property-backed lower rates
Fast processing
Pan-India coverage
Micro & small enterprise focus
No collateral for small amounts
Quick disbursement
Doorstep banking
Which Is Better — Bajaj or Bandhan?
It depends on your priorities. Here is a quick guide.
Choose Bajaj If...
- Lower starting interest rate (11% vs 12%)
- Higher max loan amount (Rs 5 Cr vs 1 Cr)
- Longer max tenure (7 yrs vs 5 yrs)
- Lower maximum rate (15% vs 16%)
Choose Bandhan If...
- Trusted brand with strong business loan offerings
Still unsure? Contact Money Matrix Hub for a free personalised recommendation based on your income, credit score, and loan requirement.
Eligibility Comparison
General eligibility criteria for business loan at both banks.
Bajaj 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 Bajaj vs Bandhan business loan.
Which bank has a lower business loan interest rate in 2026 — Bajaj or Bandhan?
Bajaj currently offers a lower starting rate of 11% p.a. for business loan. However, the actual rate you receive depends on your credit score, income, and loan amount. Money Matrix Hub can help you get the best negotiated rate from both banks.
What is the maximum business loan amount I can get from Bajaj vs Bandhan?
Bajaj offers a higher maximum loan amount of up to Rs 5 Cr. Bajaj 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 — Bajaj or Bandhan?
Bajaj charges a processing fee of 2.00% (min Rs 10,000), while Bandhan charges 2.00% (min Rs 5,000). Processing fees are often negotiable, and Money Matrix Hub can help waive or reduce these charges.
Should I choose Bajaj or Bandhan for business loan in 2026?
The best choice depends on your specific needs. Bajaj offers rates from 11%–15% 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 Bajaj and Bandhan?
Yes. Money Matrix Hub is an authorised DSA partner for both Bajaj and Bandhan. We can submit parallel applications at no extra cost and help you pick the best sanction offer. Our service is 100% free for borrowers.
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