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  • As per amendment in the Income Tax Rules, PAN or Aadhaar are to be mandatorily quoted for cash deposit or withdrawal aggregating to Rupees twenty lakhs or more in a FY. Please update your PAN or Aadhaar. Kindly reach out to the Bank’s contact center on 1800 10 888 or visit the nearest IDFC FIRST Bank branch for further queries.

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Business Loan Interest Rates

Businesses backed by reliable funding sources can achieve amazing things. Regardless of where you are in the life span of your business, IDFC FIRST Bank business loans make it convenient to finance business needs. Whether you are a start-up or a seasoned entrepreneur looking to scale your business, IDFC FIRST Bank business loans can help.

We offer the industry's competitive business loan interest rates to make your financing affordable, so you can focus on achieving your business goals faster than your competition.Read More

IDFC FIRST Bank business loans are designed to help you meet a variety of business requirements, including market expansion, equipment purchases, facility upgrades, and working capital requirements. With us, you can experience a convenient application process, personalised eligibility criteria, and preferential business loan interest rates.Read Less

Factors that Affect Business Loan Interest Rates

Business Reputation

  • A strong brand reputation can signal financial stability and trustworthiness to lenders.
  • A history of positive customer reviews and feedback can enhance your business' reputation and make it more attractive to lenders.

Revenue

  • Higher and more consistent revenue generally indicates lower risk to the lender, which can lead to more favourable loan terms.
  • A growing revenue stream demonstrates your business's potential for future growth and financial stability.

Existing Loans

  • Multiple existing loans can increase your debt burden making you a riskier borrower.
  • The terms and conditions of your existing loans can also impact your eligibility for future loans and the interest rates you'll receive.

Relationship with the Bank

  • A long-standing relationship with the bank can demonstrate your commitment and trustworthiness.
  • Holding multiple bank accounts (e.g., Checking, Savings, Investment) can strengthen your chances of securing favourable loan terms.

Repayment History

  • A clean repayment history on previous loans shows lenders that you are a reliable borrower.
  • Making timely payments can boost your credit score and make you more appealing to lenders.

Benefits of IDFC FIRST Bank Business Loans

Experience fast and seamless application and approval process with minimal documentation

Experience fast and seamless application and approval process with minimal documentation

Tailor-made loans designed to fit specific business needs

Tailor-made loans designed to fit specific business needs

Get attractive and preferential business loan interest rates

Get attractive and preferential business loan interest rates

Enjoy collateral-free funding up to ₹1 crore

Enjoy collateral-free funding up to ₹1 crore

Quick financing up to ₹50 lakhs based on your current account statement and GST returns

Quick financing up to ₹50 lakhs based on your current account statement and GST returns

Choose from loan tenures up to 48 months that fit your financial needs

Choose from loan tenures up to 48 months that fit your financial needs

Quick and reliable customer service

Quick and reliable customer service

Discover Our Products

Car Loan

Get up to 90% funding on purchase of new car

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Home Loan

Get Home loans of up to ₹5 crores

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Loan Against Property

Get loans up to ₹15 crores against your property

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