Bank and NBFC comparison
Review indicative pricing across different lender categories.
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Business Loan Interest Rates 2026
Review indicative rates from banks and NBFCs for unsecured business loans, term loans and working-capital requirements.
From 9.50% p.a.Indicative starting rate
Term loan and working capitalFacilities
Secured or unsecuredSecurity
Risk and profile basedPricing
Pricing depends on business vintage, turnover, cash flow, credit profile, collateral and lender policy.
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Latest indicative business loan rates
Compare headline rates with processing, foreclosure and facility-related charges before selecting an option.
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Business Loan Interest Rates by lender
| Bank / NBFC / HFC | Indicative interest rate | Processing fee | Rate type | |
|---|---|---|---|---|
 Axis Bank | 10.99% p.a. onwards | As per lender policy | Varies | Enquire |
 HDFC Bank | 10.75% - 22.50% p.a. | As per lender policy | Varies | Enquire |
 IDFC FIRST Bank | 13.00% p.a. onwards | As per lender policy | Varies | Enquire |
 Kotak Mahindra Bank | 9.50% - 30.50% p.a. | As per lender policy | Varies | Enquire |
 Bajaj Finserv | 14.00% - 23.50% p.a. | As per lender policy | Varies | Enquire |
FlFlexiLoans | 12.00% p.a. onwards | As per lender policy | Varies | Enquire |
InIndifi Capital | 18.00% p.a. onwards | As per lender policy | Varies | Enquire |
LeLendingkart | 13.50% p.a. onwards | As per lender policy | Varies | Enquire |
MuMuthoot Fincorp | 18.00% - 28.00% p.a. | As per lender policy | Varies | Enquire |
ShShriram Finance | 10.00% p.a. onwards | As per lender policy | Varies | Enquire |
 Tata Capital | 12.00% p.a. onwards | As per lender policy | Varies | Enquire |
YEYES Bank | 17.25% p.a. onwards | As per lender policy | Varies | Enquire |
Displayed figures are indicative references, not a binding offer. Confirm the current rate, APR and charges in the lender's official disclosure before applying.
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Business Loan Interest Rates EMI Calculator
Practical guidance
Features and benefits
Cash-flow fit
Assess EMI or repayment structure against business cash flows.
Fee visibility
Consider processing, foreclosure and facility charges.
Documentation support
Prepare business, banking, GST and financial records.
Simple assisted journey
How it works
Define funding need
Share the purpose, amount, turnover and business vintage.
Prepare documents
Organise KYC, bank statements, GST and financial records as applicable.
Review possibilities
Compare suitable secured or unsecured structures.
Lender assessment
The selected lender completes credit and business verification.
Indicative criteria
Who may be eligible?
- Operating business with acceptable vintage
- Documentable turnover and banking activity
- Promoter and business credit profile within policy
- Repayment capacity supported by cash flow
- Required registrations and financial records available
What affects a business loan rate?
Pricing can vary by facility type, collateral, business sector, vintage, turnover, profitability, bank conduct, promoter credit history and lender risk policy. Secured facilities may price differently from unsecured business loans.
Compare the total borrowing cost
Along with interest, check processing fee, documentation costs, penal charges, foreclosure rules, non-utilisation charges for limits and applicable taxes.
Ways to strengthen an application
- Maintain consistent bank and GST records.
- Prepare updated financial statements and repayment schedules.
- Keep business and promoter credit conduct clean.
- Choose an amount and repayment structure supported by cash flow.
Common questions
Frequently Asked Questions
How do lenders decide a business loan rate?
They assess facility type, business vintage, turnover, banking, financials, credit conduct, collateral and internal risk policy.
Can a secured business loan have different pricing?
Yes. Security type and value can affect risk assessment and pricing, subject to the lender valuation and policy.
Important disclosure
Business loan rates and charges are indicative and vary by facility, collateral, business profile and lender policy. Final approval and terms are issued only by the lender.