Business Loan Interest Rates in Kerala 2026
Business Loan Interest Rates in Kerala 2026
Compare indicative business loan interest rates from major banks and NBFCs in Kerala. All rates are indicative and subject to change per RBI policy and individual lender assessment.
Disclaimer: All interest rates below are indicative only. Actual rates depend on your credit profile, loan amount, tenure, and lender. Blueberry FM is a facilitator, not a direct lender. Consult lenders directly for current rates.
Indicative Business Loan Rates 2026
| Loan Type | Indicative Rate (p.a.) | Max Amount |
|---|---|---|
| Business Loan (Unsecured) | 12% – 18% | ₹50 Lakh |
| Business Loan (Secured) | 9% – 14% | ₹10 Crore |
| Working Capital Loan | 10% – 16% | ₹5 Crore |
| MSME Loan | 8.5% – 14% | ₹10 Crore |
| Loan Against Property | 9% – 13% | ₹5 Crore |
| NRI Business Loan | 10% – 15% | ₹5 Crore |
Factors Affecting Your Interest Rate
- CIBIL Score: Higher score (750+) typically gets lower rates
- Business Vintage: Older businesses with stable revenue get better rates
- Loan Amount & Tenure: Larger secured loans often attract lower rates
- Collateral: Secured loans have lower rates than unsecured
- Industry Type: Some sectors attract higher risk premiums
- Lender Type: PSU banks generally offer lower rates than NBFCs
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📋 Legal Disclaimer
Indicative Rates Only: All interest rates are indicative and subject to change per RBI policy. Actual rates are determined solely by the lending institution based on your profile.
Facilitator Only: Blueberry FM is a loan facilitator, not a bank, NBFC, or financial advisor. Last Updated: March 2026.