Top of main content
A woman handling business in office; image used for HSBC India SME Working Capital  page.

Business Lending

Whether you want to manage expenses or grow your business, we've got the right loans for your needs.

Use our term loan and overdraft facility of up to INR 70 Million backed by your residential property or term deposit accounts with us.

Key features:

  • Get loan of up to INR 70 Million*
  • Can be taken in the form of an overdraft or term loan according to your needs
  • Available against completed residential properties and/or term deposits held with HSBC
  • Simple documentation

This is available for

  • Accounts with an annual turnover of up to INR 200 Million
  • Businesses with a 3-year property-backed funding vintage in similar line of business for more than 3 years

All loans are subject to Terms and Conditions, credit policies and are at the sole discretion of The Hongkong and Shanghai Banking Corporation Limited, India (HSBC). Credit polices & T&Cs are subject to change from time to time. Currently Loan is available to borrowers and for properties in and around the city limits of (sourcing cities) Mumbai, New Delhi (NCR), Bengaluru, Pune, Chandigarh, Jaipur, Ahmedabad, Chennai, Hyderabad and Kolkata; and are subject to change from time to time.

*Maximum overdraft can be availed up to INR 40 Million

Rates and Tariff

Rates and Tariff on Business Lending
Type
Term loan
Overdraft
Rack rate
Repo Rate + 5.1% (Currently at 5.40%) 
3 Months’ T-bill + 5.30% (Currently at 4.88%)
Fixed Deposit backed lending
Fixed Deposit rate + 2%
Fixed Deposit rate + 2%
Processing fees (PF)
1% of sanction limit
1% of sanction limit
Upfront PF (loan application charges)
INR5,000 per application + Goods and Services Tax, adjusted against PF received
INR5,000 per application + Goods and Services Tax, adjusted against PF received
Pre-payment charges
1% of principal outstanding for the 1st year, waived afterwards
Nil
Foreclosure charges
2% of disbursed limit
2% of disbursed limit
Commitment charges
Not Applicable
1% of unutilized amount
Penal interest
2% additional interest on applicable interest rate
2% additional interest on applicable interest rate
Rates and Tariff on Business Lending
Type
Rack rate
Term loan
Repo Rate + 5.1% (Currently at 5.40%) 
Overdraft
3 Months’ T-bill + 5.30% (Currently at 4.88%)
Type
Fixed Deposit backed lending
Term loan
Fixed Deposit rate + 2%
Overdraft
Fixed Deposit rate + 2%
Type
Processing fees (PF)
Term loan
1% of sanction limit
Overdraft
1% of sanction limit
Type
Upfront PF (loan application charges)
Term loan
INR5,000 per application + Goods and Services Tax, adjusted against PF received
Overdraft
INR5,000 per application + Goods and Services Tax, adjusted against PF received
Type
Pre-payment charges
Term loan
1% of principal outstanding for the 1st year, waived afterwards
Overdraft
Nil
Type
Foreclosure charges
Term loan
2% of disbursed limit
Overdraft
2% of disbursed limit
Type
Commitment charges
Term loan
Not Applicable
Overdraft
1% of unutilized amount
Type
Penal interest
Term loan
2% additional interest on applicable interest rate
Overdraft
2% additional interest on applicable interest rate
Here’s an easy way to share your thoughts, stay informed and join the conversation. Follow us: