Facility finance
Working Capital Loan
Finance for day-to-day operations — raw material, inventory, salaries and receivables. Structured as a term loan, cash credit, overdraft or bill discounting depending on how your working capital cycle behaves.
- Interest rate
- 8.75% – 16% p.a.
- Loan amount
- ₹10 Lakh – ₹25 Crore
- Tenure
- 12 months, renewable
- Processing fee
- 0.5% – 1.5% annually
Features
What the working capital gives you
- Assessment on the Nayak (turnover) method or MPBF for larger limits
- Interest charged only on the amount actually drawn
- Sub-limits for LC, bank guarantee and buyer's credit
- Annual renewal with enhancement based on turnover growth
- Collateral-free options under CGTMSE for eligible MSMEs
Eligibility
Who qualifies
- Business vintage of 2-3 years with audited financials
- Positive net worth and acceptable current ratio (1.15+ preferred)
- Stock and debtor statements maintainable monthly
- No overdue statutory dues or bank irregularity
- Collateral or CGTMSE cover for limits beyond the unsecured threshold
Documents
Checklist to keep ready
KYC
- • PAN
- • Aadhaar
- • Constitution documents
Financials
- • 3 years audited financials
- • Provisional and projected balance sheet
- • 12 months bank statements of all accounts
- • GST returns and stock statement
Security
- • Property documents for collateral
- • Debtors and creditors ageing list
- • Existing sanction letters
Calculator
Estimate your EMI and eligibility
Indicative figures only. Your final rate depends on the lender's assessment of your credit profile, income and, for secured loans, the property.
Monthly EMI
₹3,22,672
- Principal
- ₹1,00,00,000
- Total interest
- ₹16,16,187
- Total payable
- ₹1,16,16,187
Your personalised explanation will appear here. Indicative only — final approval depends on the lender.
Want the full picture?
Read our written eligibility guide — how FOIR at 80% of income works, credit score bands, and eligibility checklists for all 13 loan products.
Read the Eligibility GuideFAQs
Working Capital questions
Related loan services
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