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 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 is a loan facilitator, not a bank, NBFC, or financial advisor. Last Updated: March 2026.