Working Capital Loan
Designed for businesses facing seasonal or cyclical cash flow requirements, our Working Capital Loan provides the liquidity you need to manage day-to-day operations, purchase inventory, or bridge payment gaps.
₹50,000 – ₹1 Crore
Loan Amount
6 – 24 months
Tenor
3–5...
Turnaround
Interest Rate: On Request (reducing balance) · View Rate Policy · Calculate EMI
Key Features
- Revolving and term structures available
- Loan amount from ₹50,000 to ₹1 Crore
- Tenor: 6 to 24 months (renewable)
- Interest payable monthly on utilised amount
- Overdraft-style drawdown flexibility
- Linked to business cash-flow cycle
Eligibility Criteria
- Trading, manufacturing, or service businesses
- Minimum 1 year in operation
- Satisfactory banking history
- Valid GST registration
- CIBIL score 620+ preferred
Documents Required
- KYC documents
- Business registration proof
- Last 12 months bank statements
- GST returns (last 6 months)
- Trade references (if available)
Typical Turnaround
3–5 working days from complete documentation
The rates and terms above are indicative. Actual rate, loan amount, and tenor offered will be based on credit assessment as per our Interest Rate Policy. Loan disbursement is subject to satisfactory KYC, credit assessment, and compliance with our internal policies. This page does not constitute a loan offer.