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Compare Tata Capital vs HDFC Bank Business Loan

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Interest Rate
Interest Rate
19.00% - 0.00%
11.90% - 21.35%
Processing Fees
Processing Fees
From 1.50% to 2.50%
₹ 499
Loan Amount
Loan Amount
₹ 5 Lakh to ₹ 50 Lakh
₹ 50,000 to ₹ 50 Lakh
Loan Tenure
Loan Tenure
12 to 48 Months
12 to 48 Months
Lowest EMI Per Lakh
Lowest EMI Per Lakh
₹ 2,990
₹ 2,628
Part Payment Charges
Part Payment Charges
Not Allowed
Not Allowed
Foreclosure Charges
Foreclosure Charges
Allowed after 6 months at 4.5% of outstanding balance
Allowed after 12 months at 2 - 4%
Eligible Age
Eligible Age
25 to 65 Years
21 to 65 Years
Minimum Years in Business Required
Minimum Years in Business Required
60 Months
36 Months
Minimum Turnover Required
Minimum Turnover Required
₹ 1 Cr
₹ 1 Cr
Customer Ratings (Read Reviews)
Customer Ratings (Read Reviews)
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Compare Business Loan EMI of Tata Capital and HDFC Bank

Loan Amount Tata Capital HDFC Bank
₹ 1 Lakh ₹ 2,990 ₹ 2,628
₹ 5 Lakh ₹ 14,950 ₹ 13,142
₹ 10 Lakh ₹ 29,900 ₹ 26,285
₹ 15 Lakh ₹ 44,850 ₹ 39,427

Which is a better bank for Business Loan – HDFC Bank or Tata Capital?

HDFC Bank offers lower Business Loan EMI at Rs. 2628 for 48 Months compared to Tata Capital with a minimum EMI of Rs. 2990 for 48 Months. In addition, average customer ratings for HDFC Bank is currently at 4.5/5.0, making it a good choice for taking a Business Loan.

How does HDFC Bank Business Loan compare with Tata Capital Business Loan?

A detailed comparison of HDFC Bank and Tata Capital Business Loan on various terms and conditions highlight key differences in their offerings and allows the customer to take an choose the best bank for Business Loan. Results of a comparative analysis between both banks highlight that:

  • Lowest Interest rate of HDFC Bank Loan is 11.90%, which is lower than the lowest interest rate of Tata Capital at 19.00%. Hence, HDFC Bank is offering a cheaper loan option.
  • Compared to other Business Loan charges such as processing fees, Tata Capital charges a processing fee of From 1.50% to 2.50%, while HDFC Bank charges a processing fee of Upto ₹ 499.
  • One feature that makes Business Loan a better option is the foreclosure facility. Tata Capital gives the option to close the loan after 6 months at 4.5% of outstanding balance and HDFC Bank gives the option to close the loan after 12 months at 2 - 4%. This makes Tata Capital a better option for Business Loan.
  • HDFC Bank can be a better option if you are looking for fund requirements after 36 months. Tata Capital offers a business loan once if business is 60 months old. Hence, HDFC Bank should be a preferred choice for relatively new enterprises.
  • Tata Capital has an average customer rating of 5. In contrast, HDFC Bank has an average customer rating of 4.5, based on which it is clear that Tata Capital has a high customer service focus, an easy process and a quick turnaround.

Which bank offers a lower interest rate on Business Loan – HDFC Bank or Tata Capital?

As per the current rates, HDFC Bank offers a lower interest rate of 11.90% on loans compared to Tata Capital, which offers a Business Loan at 19.00%.

Know all about Business Loan

Know more about Tata Capital Business Loan

Know more about HDFC Bank Business Loan

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