Annual turnover

Between Rs 60 lakh to Rs 7.5 Crores

Loan application with Turnover more than 7.5 crs is processed provided customer is eligible under Priority Sector Lending (MSME).

Features & Benefits

  • Dedicated Relationship Manager: Get issues regarding your working capital finance resolved on-the-go with just a simple phone call.
  • Digital services: Bank from anywhere and at any time with HDFC Bank
  • Attractive rate of interest: Get the funds you need at an interest rate that makes commercial sense to you
  • Customised product range - Fund-based and non fund-based facilities: Depending on your needs, the right solution can be selected by you
  • Simplified Documentation and Quick Processing
  • Wide range of collateral accepted: Fund your growth intelligently
  • Take-over of existing facilities with other banks: Transfer your loans at competitive rates
  • Digital Application and Post Disbursement services
  • Overdraft facility exclusively designed for shopkeeper, retailer and kirana segment: Our loans are accessible to your retail business as well
  • Specially designed program basis GST returns
  • Collateral free loan up to ₹5 crores under CSTMSE scheme for Manufacturing, Service Industry & Retail/Wholesale Traders: As per applicable terms and conditions.

Fund & Non-Fund based facilities offered

Avail a range of financing services for your business:

  • Cash Credit

  • Overdraft – Overdraft Against Property / Overdraft Against FD (ODFD) / Merchant Overdraft (MEOD) / Dropline Overdraft (DOD) / Dukandar Overdraft

  • Term Loan

  • Credit Guarantee Trust for Micro & Small Enterprise (CGTMSE)

  • Export Packing Credit (EPC)

  • Pre-Shipment Finance (PSF)

  • Bill discounting

  • DRUL

  • Letter of credit

  • Bank guarantee

Customer segment

Manufacturers, Distributors, Retailers, Traders, Service providers

Eligible Entities

Sole Proprietorship Concern, Partnership Firm, LLP, and Companies

Eligibility criteria

  • Min business vintage of 3 years

  • Profitable entity for 2 years

  • Availability of Collateral (Residential/Commercial/Industrial Property/FDs/Liquid Securities etc)

Indicative application processing TAT

( Subject to documents submission as per the check list)

  1. All proposals upto Rs. 5 lacs will be processed within 2 weeks.
  2. Proposals > Rs. 5 lacs < Rs. 25 lacs will be processed with in 4 weeks.
  3. Proposals > Rs. 25 lacs will be processed within 8 weeks.