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Best Business Loan and Overdraft Service Providers in Delhi NCR
Delhi NCR is one of the most dynamic economic regions in India, home to a diverse array of businesses ranging from startups to well-established enterprises. As businesses in this region grow and evolve, their financial needs become increasingly complex. Whether it’s for expansion, managing cash flow, purchasing new equipment, or simply navigating day-to-day expenses, business loans and overdraft (OD) facilities are crucial financial tools. A number of service providers in Delhi NCR, including leading banks and Non-Banking Financial Companies (NBFCs), offer competitive and flexible financial solutions tailored to meet the diverse needs of businesses. This article explores some of the best business loan and OD service providers in Delhi NCR, highlighting their offerings, key features, and the strong partnerships they have with leading banks and NBFCs.1. HDFC Bank
HDFC Bank is a leading provider of business loans and overdraft facilities in Delhi NCR. The bank offers a variety of loan products designed to cater to the specific needs of businesses, including working capital loans, term loans, and overdraft facilities. HDFC Bank’s business loans are available at competitive interest rates starting at 11.90% per annum. The bank’s quick loan disbursement process, which often takes less than 48 hours, makes it an attractive option for businesses in need of immediate funds. HDFC Bank has strong partnerships with several leading NBFCs, including Bajaj Finserv, Tata Capital, and Aditya Birla Finance, which enables them to offer a wide range of financial products with flexible terms. The bank’s overdraft facility is particularly popular among small and medium enterprises (SMEs) due to its flexibility and ease of access. Businesses can avail of overdraft limits based on their financial needs, ensuring that they have access to funds whenever required. Key Features:- Loan Amount: Up to ₹50 lakhs
- Interest Rate: Starting at 11.90% per annum
- Tenure: 12 to 48 months
- Overdraft Facility: Flexible limits with easy access to funds
2. ICICI Bank
ICICI Bank is another top player in the business loan and overdraft market in Delhi NCR. The bank offers a comprehensive range of loan products, including working capital loans, machinery loans, and term loans, all tailored to meet the diverse needs of businesses. ICICI Bank’s business loans come with competitive interest rates starting at 12.00% per annum and flexible repayment tenures ranging from 12 to 60 months. ICICI Bank’s robust partnerships with leading NBFCs like Shriram Finance, L&T Finance, and Muthoot Finance ensure that businesses have access to a wide array of financial products. The bank’s overdraft facility is designed to provide businesses with immediate access to funds, helping them manage short-term financial needs effectively. The overdraft facility is particularly beneficial for businesses that face seasonal fluctuations in cash flow, as it allows them to withdraw funds as needed, up to a pre-approved limit. Key Features:- Loan Amount: Up to ₹2 crores
- Interest Rate: Starting at 12.00% per annum
- Tenure: 12 to 60 months
- Overdraft Facility: Flexible limits based on business requirements
3. Axis Bank
Axis Bank is well-known for its comprehensive suite of business loan and overdraft services. The bank offers a variety of loan products, including term loans, cash credit facilities, and working capital loans, all tailored to meet the diverse needs of businesses in Delhi NCR. Axis Bank’s business loans are available at competitive interest rates starting at 13.00% per annum, making them an attractive option for SMEs and large enterprises alike. Axis Bank has established strong partnerships with leading NBFCs such as Mahindra Finance, Reliance Capital, and Cholamandalam Finance. These partnerships enable Axis Bank to offer quick loan disbursements and flexible repayment options to businesses. The bank’s overdraft facility is customizable, allowing businesses to set limits based on their financial profile and requirements. This flexibility makes Axis Bank a preferred choice for businesses looking for tailored financial solutions. Key Features:- Loan Amount: Up to ₹50 lakhs
- Interest Rate: Starting at 13.00% per annum
- Tenure: 12 to 60 months
- Overdraft Facility: Customizable limits with quick approval
4. Bajaj Finserv
Bajaj Finserv, one of the leading NBFCs in India, offers a wide range of business loans and overdraft facilities in Delhi NCR. The company is known for its quick loan approval process, often requiring minimal documentation. Bajaj Finserv provides business loans with interest rates starting at 15.00% per annum, which is slightly higher compared to traditional banks, but this is offset by the company’s speed and flexibility in processing loans. Bajaj Finserv has strong tie-ups with major banks like HDFC Bank, ICICI Bank, and Axis Bank, enabling them to offer a comprehensive suite of financial products to businesses. The company’s overdraft facility is designed for businesses that require quick and easy access to funds, with a pre-approved limit that can be utilized as needed. Bajaj Finserv’s strong presence in the market, coupled with its strategic partnerships, makes it a reliable option for businesses seeking flexible financial solutions. Key Features:- Loan Amount: Up to ₹45 lakhs
- Interest Rate: Starting at 15.00% per annum
- Tenure: 12 to 60 months
- Overdraft Facility: Pre-approved limit with flexible withdrawal options
5. Kotak Mahindra Bank
Kotak Mahindra Bank is a well-respected player in the business loan market in Delhi NCR, offering a variety of financial products tailored to meet the needs of SMEs. The bank’s business loans are available at competitive interest rates starting at 11.50% per annum, making them one of the more affordable options in the market. Kotak Mahindra Bank’s strong partnerships with NBFCs such as Edelweiss Finance, Fullerton India, and Indiabulls Finance enable them to offer a wide range of financial products with flexible terms. Kotak Mahindra Bank’s overdraft facility is particularly well-suited for businesses that require ongoing access to funds. The bank offers customizable limits based on the business’s financial profile, allowing businesses to manage their cash flow more effectively. Kotak Mahindra Bank’s strong customer service and flexible financial solutions make it a preferred choice for SMEs in Delhi NCR. Key Features:- Loan Amount: Up to ₹3 crores
- Interest Rate: Starting at 11.50% per annum
- Tenure: 12 to 60 months
- Overdraft Facility: Customizable limits with easy access to funds
6. State Bank of India (SBI)
State Bank of India (SBI) is the largest public sector bank in India and a major player in the business loan and overdraft market in Delhi NCR. SBI offers a wide range of business loan products, including working capital loans, term loans, and export finance. The bank’s business loans are available at competitive interest rates starting at 10.75% per annum, making them an affordable option for businesses of all sizes. SBI has strong partnerships with leading NBFCs like Sundaram Finance, Manappuram Finance, and SREI Equipment Finance, enabling them to offer a diverse range of financial products with flexible terms. The bank’s overdraft facility is designed to provide businesses with immediate access to funds, helping them manage short-term financial needs effectively. SBI’s extensive network and strong partnerships make it a reliable choice for businesses seeking comprehensive financial solutions. Key Features:- Loan Amount: Up to ₹10 crores
- Interest Rate: Starting at 10.75% per annum
- Tenure: 12 to 84 months
- Overdraft Facility: Flexible limits with easy access to funds
7. Yes Bank
Yes Bank is a private sector bank that offers a wide range of business loans and overdraft facilities in Delhi NCR. The bank’s business loans are available at competitive interest rates starting at 12.50% per annum, with flexible repayment tenures ranging from 12 to 60 months. Yes Bank has established strong partnerships with leading NBFCs like IIFL Finance, JM Financial, and Hero FinCorp, enabling them to offer a diverse range of financial products to businesses. Yes Bank’s overdraft facility is particularly popular among SMEs due to its flexibility and ease of access. The bank offers customizable overdraft limits based on the business’s financial profile, allowing businesses to manage their cash flow more effectively. Yes Bank’s strong customer service and innovative financial solutions make it a preferred choice for businesses in Delhi NCR. Key Features:- Loan Amount: Up to ₹5 crores
- Interest Rate: Starting at 12.50% per annum
- Tenure: 12 to 60 months
- Overdraft Facility: Customizable limits with quick approval
