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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 minimum 3-year vintage
  • Operating 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

Rate type Term Loan Overdraft
Rack rate Starting from 7.5% ( linked to Repo rates) Starting from 7.5% ( linked to T-bill rates)
Fixed Deposit backed Overdraft rate NA Fixed deposit rate + 2%
Processing fee* Nil Nil
Prepayment charges* Nil Nil
Foreclosure charges* Nil Nil
Commitment fees Nil 1% of unutilized amount
Penal Interest 2% above applicable interest rate 2% above applicable interest rate

Rates and Tariff on Business Lending

Rate type Rack rate
Term Loan Starting from 7.5% ( linked to Repo rates)
Overdraft Starting from 7.5% ( linked to T-bill rates)
Rate type Fixed Deposit backed Overdraft rate
Term Loan NA
Overdraft Fixed deposit rate + 2%
Rate type Processing fee*
Term Loan Nil
Overdraft Nil
Rate type Prepayment charges*
Term Loan Nil
Overdraft Nil
Rate type Foreclosure charges*
Term Loan Nil
Overdraft Nil
Rate type Commitment fees
Term Loan Nil
Overdraft 1% of unutilized amount
Rate type Penal Interest
Term Loan 2% above applicable interest rate
Overdraft 2% above applicable interest rate

*Limited period offer

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