Looking for a Small Business Loan from HSBC Bank?

This page contains all the information you need to make a sensible and sound decision.

MSME Loans from HSBC Bank

Being one of the oldest multinational banks in India, HSBC Bank offers a range of finance products including loans to different segments of its customer base. As of now the bank offers four MSME loans, each suitable for different types of businesses.

The four business loans from HSBC Bank are:

  1. Working Capital Loan
  2. Loan Against Property
  3. Commercial Property Purchase Loan
  4. Trade Finance

We give you a brief introduction to the business loans below.

HSBC Bank Working Capital Loan

This loan helps businesses finance their everyday operations such as for investment in current assets, purchase of raw materials, salary payments, power charges, etc. This a perfect loan scheme for businesses that need help during periods of reduced business activity or while waiting for receipt of payment after completing projects.

Features of HSBC Bank Working Capital Loan

Why this Loan?

  • The HSBC Working Capital Loan can be taken for all projects and activities related to running the business on a day-to-day basis
  • The security needed for this loan is decided based on the lending norms of the bank

HSBC Bank Loan Against Property

This loan helps small business owners raise capital towards expanding their business by availing a loan against property. The bank may accept residential or commercial property for this loan.


Features of HSBC Bank MSME Loan Against Property

Why this Loan?

  • The HSBC Loan Against Property is perfect for businesses in the Micro and Small Enterprise sector to get access to funds for business growth and expansion-related activities
  • The repayment period, quantum of loan, interest rate, etc. are decided by the bank on a case-to-case basis

HSBC Bank Commercial Property Purchase Loan

This loan helps small business owners raise capital towards expanding their business by availing a loan to purchase commercial property to set up a unit, expand a unit or as a long-term asset for the business.

Features of HSBC Bank Commercial Property Purchase Loan

Why this Loan?


  • The HSBC Bank Commercial Property Purchase Loan is perfect for businesses in the Micro and Small Enterprise sector to get funds for purchasing commercial property for business use
  • The repayment period, quantum of loan, interest rate, etc. are decided by the bank on a case-to-case basis

HSBC Bank Trade Finance

This loan helps small businesses pay for activities related to their trade business right from sourcing, manufacturing or converting semi-finished into finished goods and services to importing raw materials and capital goods in local and foreign currency.

Features of HSBC Bank Trade Finance

Why this Loan?

  • The HSBC Bank Trade Finance scheme is meant for you if you need funds for meeting your exports and imports obligations
  • The bank extends this loan in Indian currency as well as major foreign currencies

Important Note: Even though the bank’s website has information available for a few MSME loan schemes at this time, there is a possibility that the bank may offer more loan options that are not yet published on the website. We suggest that you get in touch with the nearest branch to check the loan schemes they offer. This will also help you get a custom quote since many loan schemes are need-based and certain charges such as application charges, service charges, etc. may be decided on a case-to-case basis.

Interest Rate for HSBC Bank Business Loans

  • The interest rate for the HSBC Bank business loans depends on various factors such as quantum of loan, type of business, risk rating, nature of project, repayment period, structure of debt, etc. We suggest calling the bank’s customer care number to get more information

Documents Needed for Individuals

  • Loan Application Form duly filled and signed by the applicant and co-applicant, if any
  • Two Passport Size Photographs of applicant and co-applicant
  • Personal ID Proof: Aadhaar Card, PAN Card, Passport or Driving License. PAN Card/ PAN Card Issue Letter is must
  • Signature Proof: PAN Card, Banker’s Verification, Driving License or Passport
  • Residential Address Proof (Any One): Aadhaar Card, Electricity Bill, Post-paid Phone Bill, Valid Rent Agreement
  • Income/Banking Proof: Last 6 months Bank Account Statement of applicant and co-applicant, Loan Statement of Running Loans, Latest Closed Loan NOC, Net Worth of the applicant and co-applicant
  • Security (as applicable): Margin Money, Previous and Current Sales Deed, Plant and Machinery list, Plant and Machinery Current Valuation Report, Property Photographs, Previous Property Search and Valuation Report

Documents Needed for Proprietorship and Partnership Firms

  • Loan Application Form duly filled and signed
  • Partnership Deed and Partnership Registration Certificate
  • ID Proof of the Firm: Firm PAN Card or PAN Issuing Letter
  • Office Address Proof: Electricity Bill, Post-paid Phone Bill, Valid Rent Agreement
  • Income Proof: CMA Data and Project Report, Debtors and Creditors Certificate, GST Return, Last 3 years ITR of applicant and co-applicant, Audited or CA Certified Computation of Income/Trading Account/Profit and Loss Account/Balance Sheet, Annual Audit Report and Tax Audit Report if audited, Form 16A if applicable, Net Worth of applicants, co-applicants and guarantors
  • Banking Proof: Last 1-year Statement of Company’s Major Account, Current Account, Cash Credit Account, Overdraft Account, Loan Statement of Running Loans, Latest Closed Loan NOC and Last 6-months Bank Statement of Applicant and Co-applicant’s Savings Account
  • Security (as applicable): Margin Money, Previous and Current Sales Deed, Plant and Machinery list, Plant and Machinery Current Valuation Report, Property Photographs, Previous Property Search and Valuation Report
  • Other Relevant Documents: Partnership’s Business Profile, Promoter/Guarantor’s Profile, Corporate Brochure, Business Experience Supporting Documents, Business References

Documents Needed for Private Limited and Public Limited Companies

  • Application Form duly filled and signed
  • Company ID Proof: Company’s PAN Card
  • Office Address Proof: Electricity Bill, Post-paid Phone Bill, Valid Rent Agreement
  • Business Proof: AOA and MOA, Company Incorporation Certificate, Business Commencement Certificate, Board Resolution, CA/CS verified Share Holding Pattern, ROC Annual Return, DIN Certificate, List of Directors on Company Letter Head, GST Number, Form 32 in case of Director Change
  • Income Proof: CMA Data and Project Report, Last 3 Years ITR Acknowledgement copy of Company and all Directors, Last 3 Years Annual Credit Report or Tax Audit Report with Article 3CB, Article 2D, Article 3CD, TDS Certificate/Form 16A, Net Worth Certificate
  • Banking Proof: Last 1-year Statement of Company’s Major Account, Current Account, Cash Credit Account, Overdraft Account, Loan Statement of Running Loans, Latest Closed Loan NOC and Last 6-months Bank Statement of Applicant and Co-applicant’s Savings Account
  • Security: Margin Money, Previous and Current Sales Deed, Plant and Machinery list, Plant and Machinery Current Valuation Report, Property Photographs, Previous Property Search and Valuation Report
  • Other Relevant Documents: Company’s Business Profile, Promoter/Guarantor’s Profile, Corporate Brochure, Business Experience Supporting Documents, Business References

Reference Facts

  • HSBC Bank Website: www.hsbc.co.in
  • Headquarters: Mumbai, Maharashtra
  • Phone Number (for Business Banking): 1800 103 2666, 1800 103 2667