Fulfil Your Every Need

With HDFC Bank, you can avail of a Restaurant Loan without any: 

  • Collateral - An essential element that the applicant needs to submit for a bank to sanction a loan. Securities are often used as collateral. 

  • Guarantor - A person that guarantees the payment by another person, assuming liability in case of default as a co-endorser 

  • Security - In the form of property, FDs, or any tangible asset. 

Transfer Loan Balance with Ease

HDFC Bank allows you to transfer your existing Restaurant Loan to reduce your EMIs and enjoy benefits such as: 

  • Interest rates as low as 15.75%* on the existing loan transfer

  • Processing fee as low as 0.99%

Transfer your loan balance by applying now!

Dropline Overdraft Facility

HDFC Bank Restaurant Loans provide an Overdraft facility without any security, wherein the limit is set in a separate Current Account and drops monthly till the end of tenure. You only have to pay interest on the amount that is utilised. 

HDFC Bank provides a Dropline Overdraft Facility up to Rs.5 Lac - 15 Lac* without the requirement of a guarantor (who is a person that guarantees the payment by another person and assumes liability in case of default a co-endorser) or security.

HDFC Bank also provides tenure ranging from 12-48 months and an attractive rate of interest.

Further, no Foreclosure/part Closure shall be permitted during the first 6 months of the limit setting.

Quick Eligibility Check & Disbursal

HDFC Bank allows you to check your Restaurant Loan eligibility either online or at a physical branch in just 60 seconds. Loans are disbursed based on the previous repayment of home loans, auto loans and credit cards.

Flexible Tenure

With HDFC Bank, you can enjoy a flexible tenure and can repay your loan over a period of 12 to 48 months.

Convenient Borrowing

For any help with your Restaurant Loan, you can reach out for support to HDFC Bank via SMS, Webchat, Click2Talk and PhoneBanking.

Stay Protected

HDFC Bank allows you to take care of your loved ones by paying a nominal premium* and covering your loan with our Credit Protect Plan, which has several benefits such as:

  • It protects the family by paying off the loan amount in case of death of the customer, and its Life Coverage gives peace of mind. With it, you don’t need to rely on other savings to repay the loan.

  • You can avail of Tax Benefits as per applicable laws.

One convenient package - loan + insurance

Plus, the premium for this product is deducted from the loan amount at the time of disbursal after levying service taxes and other applicable surcharges/cess at the rates set by the government.

In case of Natural/Accidental Death of the customer, the customer/nominee can avail of the Payment Protection Insurance (Credit Protect). This ensures the principal outstanding on loan up to a maximum of the loan amount.


With HDFC Bank’s Restaurant Loans, you can get the financial aid required to run your business smoothly. We offer up to Rs. 75 lakhs without any collateral, guarantor, or security, to help you reach all your business goals.


To avail of HDFC Bank’s Restaurant Loans, you must fulfil the eligibility listed below:

  • To apply for the loan, you must be one of the following people: self-employed individuals, Proprietors, Private Ltd. Co., and Partnership Firms involved in the business of Manufacturing, Trading or Services.

  • Your business should have a minimum turnover of Rs. 40 lakhs. 

  • Plus, you must also be an individual who has been in the current business for a minimum of 3 years, with 5 years total business experience. 

  • In addition, your business has to have been profit-making for the previous 2 years. 

  • Your business should also have a Minimum Annual Income (ITR) of Rs. 1.5 lakhs per annum. 

  • Lastly, as an applicant, you must be at least 21 years at the time of applying for the loan and should be no older than 65 years at the time of loan maturity. 

​​​​​​​Get To know More detailed information about  Working Capital Loan provided by HDFC Bank for SME's

To learn more about the Bank Loans for Restaurant provided by HDFC Bank, you can click right here.

*Terms and conditions apply. Restaurant Loans at the sole discretion of HDFC Bank limited. Loan disbursal is subject to documentation and verification as per Banks requirement.

Documents Required

Apply for Business Loans for Restaurants with HDFC Bank, with the following documents:

  • Along with your Business Loan for Restaurant application, you must submit a PAN Card in the name of the Company/Firm/Individual. 

  • For identity proof, you can submit a copy of any of the following documents: your Aadhaar Card, Passport, Voter’s ID Card, PAN Card, or Driving License. 

  • Similarly, as address proof, you can submit a copy of any of the following documents: your Aadhaar Card, Passport, Voter’s ID Card, PAN Card, or Driving License.

  • You must also provide Bank statements of the previous 6 months.

  • Further, you must also submit the latest ITR along with computation of income, Balance Sheet and Profit & Loss account for the previous 2 years after being CA Certified/Audited.

  • In addition, proof of continuation (ITR/Trade license/Establishment/Sales Tax Certificate) is also required. 

Lastly, you need to provide other Mandatory Documents such as:

  • Sole Prop. Declaration OR Certified Copy of Partnership Deed

  • Director-certified copy of Memorandum & Articles of Association

  • Board resolution (Original)