ICICI Bank vs Tata Capital Business Loan: Which Should You Choose?
A side-by-side comparison of ICICI Bank and Tata Capital business loan on the things that affect your wallet. Figures are illustrative 2026 ranges — your actual offer depends on your profile.
ICICI Bank
Business Loan
- Interest rate
- from 13% p.a.
- Max amount
- ₹2 Crore
- Max tenure
- 7 years
- Processing fee
- up to 2%
Tata Capital
Business Loan
- Interest rate
- from 14% p.a.
- Max amount
- ₹90 Lakh
- Max tenure
- 6 years
- Processing fee
- up to 3%
The verdict
ICICI Bank advertises a lower starting rate (from 13% p.a. vs 14% p.a.), but the rate you actually get depends on your credit profile and income. Tata Capital may still win on amount, tenure or speed for your situation — so compare your real offers from both before deciding.
Compare your real offersSoft check — won't affect your credit score.
Choose ICICI Bank if…
- • Loans up to ₹2 Crore
- • Working capital & term loans
- • Digital processing
Choose Tata Capital if…
- • Loans up to ₹90 Lakh
- • Flexible EMIs
- • Quick online approval
ICICI Bank vs Tata Capital — FAQs
Which is better, ICICI Bank or Tata Capital business loan?+
ICICI Bank advertises a lower starting rate (from 13% p.a. vs 14% p.a.), but the rate you actually get depends on your credit profile and income. Tata Capital may still win on amount, tenure or speed for your situation — so compare your real offers from both before deciding.
Is ICICI Bank or Tata Capital cheaper for a business loan?+
ICICI Bank starts from 13% p.a. and Tata Capital from 14% p.a., but your final rate depends on your credit score and income. Always compare the total cost (rate + fees) over the full tenure.
Can I compare ICICI Bank and Tata Capital on RupeeQuik?+
Yes. Compare your eligible offers from both with a soft credit check that doesn't affect your score, then apply to the best-fit option.
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