Working Capital
Interest from 9.5% p.a.
Working capital loans help businesses manage their daily operational expenses like inventory, payroll, and other short-term needs. Available as term loans, overdraft facilities, or cash credit, these loans ensure smooth business operations without cash flow disruptions.
Interest Rate
9.5%
Tenure
5 - 10 Years
Processing Fee
0.5% - 1.5%
Interested in Working Capital Loan?
Submit your enquiry and our experts will help you find the best loan option.
Apply NowCalculate EMICall: +91 70215 43870Key Features
Overdraft Facility
Pay interest only on used amount
Revolving Credit
Reuse the limit after repayment
Collateral Free
Up to ₹50 Lakh unsecured
Quick Disbursal
Access funds within days
Eligibility Criteria
Basic Requirements
- Age: 21 to 65 years
- Minimum Annual Income: ₹5,00,000
- Minimum CIBIL Score: 650
Employment Type
self employedbusiness
Additional Requirements
- Minimum 2 years business vintage
- Positive cash flow
- GST registration for loan above ₹10 Lakh
Required Documents
View All Documents →Aadhaar Card*
12-digit unique identification number issued by UIDAI
Alternatives: Passport, Voter ID, Driving License
PAN Card*
Permanent Account Number for tax identification
Passport Size Photos*
Recent color photographs (2-4 copies)
ITR*
Income Tax Returns for last 2-3 years
Balance Sheet & P&L*
Audited financial statements
GST Returns
Last 12 months GST returns if applicable
Stock Statement
Current inventory/stock details
Benefits of Working Capital
Overdraft and cash credit options
Interest only on utilized amount
Renewable credit limit
Government subsidy schemes available
Quick turnaround time
Available from These Partners
Frequently Asked Questions
What's the difference between term loan and working capital?
Term loan has fixed EMIs, while working capital (OD/CC) allows flexible drawdown and repayment with interest on utilized amount.
Ready to Apply for Working Capital?
Submit your enquiry now and get expert guidance on the best working capital options for your needs.