Best Business Loan rates in Guwahati, 2026.
Reviewed by Rushik Patel· Last reviewed: stale
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.
Best business loan rates in Guwahati, Assam start from 10% per annum in 2026, with loans up to Rs 5 crore and tenure up to 7 years across 40+ banks. Money Matrix Hub is a free DSA loan-advisory service.
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Business Loan Rates in Guwahati — Bank-wise Comparison
Updated April 2026. Showing 15 banks serving Guwahati.
| Bank | Rate (p.a.) | Key Feature |
|---|---|---|
| SBI | 10.25% – 14.5%Lowest | 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: 15 banks offer business loan in Guwahati from 10.25% per annum. Actual rate depends on applicant profile, loan amount, and property location in Guwahati.
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 to Get a Business Loan in Guwahati — Step by Step
Our Guwahati team handles the entire process from application to disbursal.
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Tell us your Business Loan needs in Guwahati — amount, tenure preference, and property details. Our advisor will evaluate your profile within 30 minutes.
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We fetch live rates from all banks in Guwahati and present you a side-by-side comparison showing rate, EMI, processing fee, and total interest payable.
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Documentation & Filing
Our team in Guwahati helps you compile the complete document set, fills out the application form, and submits it to the bank — saving you hours of branch visits.
Sanction & Disbursal
We follow up with the bank for swift processing. Expect sanction within 48 hours and disbursal within 7-10 working days in Guwahati. We stay with you until the last rupee is credited.
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.
Popular Areas for Business Loan in Guwahati
Top localities in Guwahati where we serve the most borrowers.
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