Best Business Loan Providers in Kochi


Business loan is the most availed unsecured / secured type of loan. Such loans are usually availed by Self Employed professionals/ non professionals for enhancing or starting their business. Although some banks need an established business for at least 3 years to fund a business loan, most nationalized banks do fund Business loans to new and upcoming entrepreneurs. EarnWealth gives options to its website visitors to choose from a varied list of private, foreign & nationalized banks to avail a business loan. Some banks also insist on collateral such as residence/ office or even stocks for mortgage against business loan funded to the customers. Hence, in failure to repay the loan, attaching the collateral by the lenders plays an important role.
Business Loan parameters:
Business Loan amounts range from an amount of INR 3 Lakhs till INR 50 lakhs, depending on Bank policies.
The repayment tenure ranges from 12 month till 60 months.
Rate of interest varies from 16% till 26%.
Banks who insist for collateral to offer business loans usually insist for Machinery,Stock.
Residence or office for mortgage.

Business loan can be classified broadly into: Over Draft (OD) Loan:This loan account means that the borrower can overdraw money from a Current account. There is a specified limit of the OD amount permissible. A specific rate of interest is levied to the customer for the money that is utilized from the OD account. Term Loan:This loan can be a short term, long term or an intermediate kind of a loan. This loan is offered depending on the monetary economic position of the borrower. Term Loans can be offered for a low tenure of 3 years or for long term tenure of 15 years. These loans can be offered as secured or unsecured loans. Other business loans offered by banks can be Bill Discounting, Letter of Credit, Cash credit loans etc. There are also some loans tailor-made only for women for expanding or setting their business. Such loans are usually offered by Government. Mudra loans are one such type of loans.

Few of Top Business Loan Lending Companies in India

HDFC Bank - The Housing Development Finance Corporation Limited (HDFC) was amongst the first to receive an 'in principle' approval from the Reserve Bank of India (RBI) to set up a bank in the private sector.

ICICI Bank - CICI Bank offers a wide range of banking products and financial services to corporate and retail customers through a variety of delivery channels and through its group companies.

Shriram Finance - We are a part of the "SHRIRAM" conglomerate which has significant presence in financial services viz., commercial vehicle financing business, consumer finance, life and general insurance, stock broking, chit funds and distribution of financial products such as life and general insurance products and units of mutual funds.

Punjab National Bank - Creating Value for all its customers,Investors and Employees for being the first choice for all stakeholders.

Kotak Mahindra Bank - Kotak Mahindra is one of India's leading banking and financial services groups, offering a wide range of financial services that encompass every sphere of life.

Lendingkart - LENDINGKART Technologies Private Limited is a fin-tech startup in the working capital space. The Company has developed technology tools based on big data analysis which facilitates lenders to evaluate borrower’s credit worthiness and provides other related services.

Tata Capital - Tata Capital Private Equity was built on the Tata group's foundation of "leadership with trust". We invest in businesses that offer the potential for significant growth and financial return, and take joint responsibility with owner-managers to execute on the realisation of that potential.

Fullerton - Our primary services constitute financing of SME for working capital and growth, loans for commercial vehicles and two-wheelers, Business improvement loans, loans against property, Business Loan s, working capital loans for urban self-employed and loans for rural livelihood advancement, rural housing finance and financing of various rural micro enterprises.

DHFL - Transforming dreams to build a nation of proud Businessowners. For over three decades, DHFL has been providing easy access to affordable Housing Finance to realise Business-ownership aspirations of millions of Lower and Middle income families in semi-urban and rural India.

Check out the lowest interest rates for Business Loan s in Kochi by filling in the forms and letting our intuitive algorithm search for the best deal. We work with various banks and NBFCs as compared to Business Loan agents in Kochi and thus are able to search for a better offer. The entire process is completed at your doorstep or through the use of technology to make it simple and convenient. You can get the lowest interest rates for Business Loan s in Kochi if you meet the eligibility criteria for various banks and NBFCs. All steps are taken in complete security and your data is always protected and secure through the entire transaction. Read all about Business Loan s, credit rating, EMIs and eligibility if you are wondering how to get a Business Loan in Kochi. If you have your requirements ready then apply for a Business Loan in Kochi can also be obtained if you meet the exact criteria for a certain bank or NBFC.

Eligibility Criteria for Business Loan in Kochi


Criteria Salaried Self-Employed
Age 23-58 Years 25-60 Years
Income Rs 20,000 & above 25,000 & above
Loan Amount Minimum Rs 1 lakh Onwards Minmium Rs 1 lakh Onwards
Work Experience Minimum 1 Year Minimum 3 Year
Basic Documentation KYC, latest bank statements etc are required KYC, latest bank statements etc are required
*T&C Apply

Documents Required for Business Loan in Kochi


Category Documents
Salaried Self-Employed
Photo 1 Passport size photographs 1 Passport size photographs
ID proof Pan Card, Driving Liecense Pan Card, Driving Liecense
Residence Proof Passport/ Landline bill/ Post paid Mobile bill/ Rental agreement or Bank Statement, Ownership Index II Passport/ Landline bill/ Post paid Mobile bill/ Rental agreement or Bank Statement, Ownership Index II
Aadhar Card Aadhar Card Copy Aadhar Card Copy
Age Proof Passport/ driving licence/ Pan Card copy Passport/ driving licence/ Pan Card copy
Shop Documents - Shop Act License and Shop Act address proof, Registraion Certificate, GST Certificate
Income Proof Last 3 months salary slips, Appointment Letter, Form #16 2 years, Balance Sheet, GST return(If Applicable) Last 3 Year ITR, Computation of Income, Profit & Loss Account
Banking Statement Last 6 months bank statements, Salary Account Last 12 months bank statements, Current & Saving Account

Best Business Loan Offer for Salaried Employee in Kochi

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Banks where you can get a Business Loan in Kochi

Bank Address IFSC Code
HDFC BANK COCHIN RAVIPURAM BRANCH

ELMAR SQUARE39/4157, M.G.ROAD,RAVIPURAM,COCHINKERALA682 016

HDFC BANK COCHIN KADAVANTHRA BRANCH

M K S TOWERS,SAHODHARAN AYYAPPAN ROAD,KADAVANTHRACOCHINKERALA682020

HDFC BANK COCHIN BANNERJI ROAD BRANCH

HDFC BANK, SUDHAS BUILDING , GROUND FLOOR, MADHAVA PHARMACY, BANNERJEE ROAD, COCHIN, KERALA - 682018

HDFC BANK COCHIN PALARIVATTAM BRANCH

PALARIVATTAM.BUILDING NO. 32/1182,GROUND FLOOR,PALARIVATTAM JUNCTION,COCHINKERALA682025

HDFC BANK KAKKANAD BRANCH

K AND T TOWERS, NEAR KAKKANAD POST OFFICE, KAKKANAD KOCHI KERALA 682030

HDFC BANK PARAVUR BRANCH

ADAM PLAZA,MUNICIPAL JUNCTION, TEMPLE ROAD,PARAVUR DIST ERNAKULAM KOCHI KERALA 683513

HDFC BANK MAIN BRANCH CHOICE TOWERS BRANCH

GROUND FLOORMANORAMA JUNCTIONERNAKULAM SOUTH

HDFC BANK WILLINGDON ISLAND BRANCH

GR FLOOR, 5TH CROSS ROADWILINGDON ISLANDWILINGDON ISLAND

HDFC BANK EDAPALLY BRANCH

GROUND FLOORNATIONAL NANDANAMPALACE ROAD, EDAPALLY

HDFC BANK ST JOSEPH BRANCH

D 12CATHOLIC CENTRETHOPPUMPADY

HDFC BANK PACHALAM BRANCH

HDFC BANK LTD.DE SERVICE PARK,SRM ROAD,PACHALAM

HDFC BANK KURIAN TOWERS BRANCH

BANERJI ROAD,PB NO 2561,ERNAKULAM,

HDFC BANK ERNAKULUM BRANCH

MG RAOD DOOR NO 40/7995 BPRABHU TOWERS GROUND FLOORM G ROAD KERALA

HDFC BANK FIFA TOWERS BRANCH

PANAYAPPILLYKOCHIKOCHI

HDFC BANK DR.MENEZES BUILDINGS, PALLURUTHY BRANCH

DOOR XXXIII/2411DR.MENEZES BUILDINGS,DR.MENEZES BUILDINGS,

HDFC BANK DOOR 11/ 597,AMEENA SHOP CENT,KARUVANNUR BRANCH

DOOR 11/597,AMEENA SHOPPING CENTREKARUVANNUR

HDFC BANK SREENARAYANAN SAMAJAM,SHOPCOMP,TALIKULAM BRANCH

1ST FLOOR, SREENARAYANAN SAMAJAMSHOPPING COMPLEXTALIKULAM

HDFC BANK INFO PARK KOCHI BRANCH

HDFC BANK LTD., ATHULYA, INFO PARK, KUSUMAGIRI P.O., KAKKANAD KOCHI KERALA 682030

HDFC BANK PETTAH KOCHI BRANCH

HDFC BANK LTD. PRANAVAM TOWER, PETTA JUNCTION, POONIT HURA COCHIN KERALA 682038

HDFC BANK PANAMPILLY NAGAR BRANCH

KAIRALI APARTMENTS SOUTH END OF PANAMPILLY NAGAR COCHIN KERALA 682036

HDFC BANK JAWAHAR NAGAR BRANCH

HDFC BANK LTD NEW BUILDING SUBASH CHANDRA BOSE ROAD JAWAHAR NAGAR KOCHI KERALA 682019

ICICI BANK KOCHI KADAVANTARA BRANCH

KOCHI

ICICI BANK PALARIVATTOM, KOCHI BRANCH

ICICI BANK LTD., MOIDU'S BUILDING, S.N JUNCTION, PALARIVATTOM, KOCHI - 682037, KERALA

ICICI BANK VYTILA, ERNAKULAM BRANCH

ICICI BANK LTD., PAREKKATTIL TOWERS, OPPOSITE WELCARE HOSPITAL,VYTILA , ERNAKULAM - 682019, ERNAKULAM DIST., KERALA.

ICICI BANK KOCHI ELAMAKKARA, KERALA BRANCH

ICICI BANK LTD., BROADWAYS ARCADE, PUNNAKAL JUN, ELAMAKKARA, KOCHI - 682026, ERNAKULAM DIST., KERALA

ICICI BANK RAVI PURAM KOCHI, KERALA BRANCH

ICICI BANK LTD., TEEPEYEM TOWER, OPP. SHIPYARD, RAVI PURAM, KOCHI - 682020, ERNAKULAM DIST., KERALA.

ICICI BANK CHEMBUMUKKU KOCHI, KERALA BRANCH

ICICI BANK LTD., PALACKAL BUILDING, CHEMBUMUKKU, KAKKANAD, KOCHI- 682030, ERNAKULAM DIST., KERALA.

ICICI BANK KOCHI WELLINGTON ISLAND KERELA BRANCH

ICICI BANK LTD, OLD DLB BUILDING, WILLINGDON ISLAND, KOCHI - 682 009.KERALA

ICICI BANK KOCHI JAWAHAR NAGAR KERELA BRANCH

ICICI BANK LTD., ISSAC'S TOWERS, NEAR BREAD WORLD, JAWAHAR NAGAR, KOCHI- 682020, KERALA

ICICI BANK THOPPUMPADY, KOCHI BRANCH

ICICI BANK LTD., AMBAL BUILDING, NEAR GAMMON BRIDGE, THOPPUMPADY, KOCHI - 682006, ERNAKULAM DIST., KERALA.

ICICI BANK THEVARA BRANCH

ICICI BANK LTD., MARIA BUILDING, 26/1722-E1, ELAMKULAM VILLAGE, THEVARA, KOCHI - 682103, ERNAKULAM DIST., KERALA

ICICI BANK KOCHI BYEPASS NH BRANCH

ICICI BANK LTD., SAMUEL SONS TOWER, SHOBA ROAD, NH - BYEPASS, VENNALA P.O, KOCHI - 682028, KERALA

ICICI BANK PANAMPILLY NAGAR BRANCH

ICICI BANK LTD., MANNA, NEAR AVENUE CENTRE, PANAMPILLY NAGAR, KOCHI - 682036, KERALA

ICICI BANK PACHALAM BRANCH

ICICI BANK LTD., IDASSERIL CHAMBERS, LINK PARK, POTTAKUZHI ROAD, PACHALAM, KOCHI - 682012, KERALA

ICICI BANK EDAPALLY ERNAKULAM BRANCH

EDAPALLY

ICICI BANK ERANKULAM PALLIMUKKU BRANCH

ICICI BANK 3RD FLOOR THARAKAN HOUSE PALLIMUKKU M G ROAD COCOHIN 682016

STATE BANK OF INDIA OVERSEAS BRANCH, KOCHI BRANCH

DIST ERNAKULAM, KERALA 682 003

STATE BANK OF INDIA PANAYAPALLI, KOCHI BRANCH

POST BAG NO.280,XII BY 1052,PANAYAPALLY,KOCHI,DISTERNAKULAM,682002

STATE BANK OF INDIA NRI, KOCHI BRANCH

DEEPA THEATRE BLDG,M.G.RD.,NRI KOCHI,ERNAKULAM,KERALA

STATE BANK OF INDIA KALOOR BRANCH

PB NO. 1862, BONOTH SHOPPING ,COMPLEX, KOCHI,KOCHI PIN - 682017

STATE BANK OF INDIA PERUMBAVOOR BRANCH

MULLAPALLI BLDGS.,ALWAYEMANNAR ROAD,PIN682542

STATE BANK OF INDIA VYTTILA, KOCHI BRANCH

29 1288, B-CUMMINS BUILDINGVYTTILLA JUNCTION, NATIONALHIGHWAY, KOCHI , PIN - 682019

STATE BANK OF INDIA TREASURY BRANCH, ERNAKULAM BRANCH

2ND FLOOR KTDC BLDG, SHANMUGHAM ROAD, DISTT. ERNAKULAM, KERALA 682 031

STATE BANK OF INDIA SERVICE BRANCH, ERNAKULAM BRANCH

KAILASAM, TD ROAD, SOUTH END, DISTT. ERNAKULAM, KERALA 682 011

STATE BANK OF INDIA INFOPARK BRANCH, KOCHI BRANCH

NPOL COMPOUNDKAKKANADERNAKULAM KERALA 682037

STATE BANK OF INDIA CENTRE OF ENGG STUDIES, CUSAT BRANCH

SCHOOL OF ENGG MAIN CAMPUS, CUSAT,KALAMASSERI, ERNAKULAM DISTRICT 682022

STATE BANK OF INDIA HIGH COURT OF KERALA BRANCH

HIGH COURT COMPLEX, GROUND FLOOR, ERNAKULAM, KOCHI, KERALA 682031

STATE BANK OF INDIA KOCHI REFINERIES BRANCH

KOCHI REFINERIES COMPOUND, AMBALAMEDU, ERNAKULAM DISTRICT, KERALA 682303

STATE BANK OF INDIA MINICOY BRANCH

MINICOY,KADEEJA MANIKKA,FURAKKAD AOUGE HOUSE,SEDIVALU VILLAGE,DIST682559

STATE BANK OF INDIA CHOTTANIKARA BRANCH

KRISHNANS BUILDING,CHOTTANIKARAA BYE PASS JUNCTION,DISTERNAKULAM 682312

STATE BANK OF INDIA KANJIRAMATTOM BRANCH

AP4 BY 484,KOLATHAKKOOTTIL HOUSE,KANJIRAMATTOM JUNCTION,DISTERNAKULAM 682315

STATE BANK OF INDIA KADAVANTHRA BRANCH

NO 57314A NAVEEN ARCADERAVINDRAN ROAD KADAVANTHTRA POST ERNAKULAM KERALA682020

STATE BANK OF INDIA KATHRIKADAVU BRANCH

GRAND BAYKATTAKKARA JNKALOOR KADAVANTHRA ROADKALOORCOCHIN 17ERNAKULAMKERALA682017

STATE BANK OF INDIA PANAMPILLY NAGAR BRANCH

DOOR NO395173 A KC ABRAHAM MASTER ROADPANAMPILLY NAGAR KOCHI DISTTERNAKULAM KERALA682036

STATE BANK OF INDIA PONEKKARA BRANCH

ATHEKKEDATH COMPLEX POYSHA ROAD PONEKKARA DISTT ERNAKULAM KERALA 682041

STATE BANK OF INDIA DESOM BRANCH

KUNNUMPURAM, POST.DESOM, DIST. ERNAKULAM, KERALA- 683102

STATE BANK OF INDIA KOOTHATTUKULAM BRANCH

VALIYAKULANGARA TOWERS, KOOTHATTUKULAM, DIST.ERNAKULAM, KERALA-686662

STATE BANK OF INDIA SBIINTOUCH LITE, PADAMUGAL BRANCH

NO.XI673B1,SBIINTOUCH LITE,PADAMUGALKAKKANAD,NOEL HOUSE,POSTTRIKKAKARA,ERNAKULAM 682021

STATE BANK OF INDIA BANERJI ROAD BRANCH, ERNAKULAM BRANCH

NEAR HIGH COURT JUNCTION,CRYSTAL COMPLEX,BENARJEE ROAD ERNAKULAM 682031 KERALA


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