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Working Capital

Working Capital & Overdraft Facility
up to ₹5 Crore | From 11.50% p.a.

Loan amount | Quick Disbursal | Flexible EMI

Home>Working Capital>Overview

Working Capital Overview

Keep your day-to-day operations smooth and cash flow healthy with flexible Working Capital loans, Overdraft (OD) limits, and Cash Credit (CC) facilities tailored for manufacturers, traders, and growing businesses.

Working Capital Interest Rates & Key Details
Interest RatesFrom 11.50% p.a.
Loan Amount₹10L – ₹5Cr
Maximum Tenure12 Months (Renewable Annually)
Disbursal TurnaroundWithin 48 Hours
Upfront ChargesZero Advance Cash Fees
verifiedAuthorized Lending Bank PartnersInstant Sanction Desks
HDFC Bank
HDFC BankStarting 14.00% p.a.
Axis Bank
Axis BankStarting 14.25% p.a.
ICICI Bank
ICICI BankStarting 14.50% p.a.
State Bank of India
SBIStarting 14.50% p.a.
IndusInd Bank
IndusInd BankStarting 14.75% p.a.
Kotak Mahindra Bank
Kotak BankStarting 15.00% p.a.
Direct Disbursal Channel

Apply for Working Capital

Compare instant quotes across 50+ banks with zero upfront charges.

+91
₹50,00,000
₹10,00,000₹5,00,00,000
speed
Estimated EMI (~5 Yrs)₹1,07,470 /mo
Sanction SLAWithin 24 Hours
lock256-Bit SSL•verified_userDPDP Compliant•money_offZero Upfront Fee

Authorized Co-Lending Network With 50+ Scheduled Banks & Premier NBFCs

HDFC Bank
HDFC Bank
Starting 8.75% p.a.
State Bank of India
State Bank of India
Starting 7.25% p.a.
Punjab National Bank
Punjab National Bank
Starting 7.25% p.a.
Canara Bank
Canara Bank
Starting 7.25% p.a.
Indian Bank
Indian Bank
Starting 7.25% p.a.
ICICI Bank
ICICI Bank
Starting 8.90% p.a.
Axis Bank
Axis Bank
Starting 9.25% p.a.
Kotak Mahindra Bank
Kotak Mahindra Bank
Starting 8.50% p.a.
IDFC FIRST Bank
IDFC FIRST Bank
Starting 9.75% p.a.
Tata Capital
Tata Capital
Starting 9.99% p.a.
Bajaj Finserv
Bajaj Finserv
Starting 10.50% p.a.
Piramal Finance
Piramal Finance
Starting 9.40% p.a.
L&T Finance
L&T Finance
Starting 10.25% p.a.
IndusInd Bank
IndusInd Bank
Starting 9.40% p.a.
Bank of Baroda
Bank of Baroda
Starting 8.60% p.a.
Poonawalla Fincorp
Poonawalla Fincorp
Starting 9.99% p.a.
HDFC Bank
HDFC Bank
Starting 8.75% p.a.
State Bank of India
State Bank of India
Starting 7.25% p.a.
Punjab National Bank
Punjab National Bank
Starting 7.25% p.a.
Canara Bank
Canara Bank
Starting 7.25% p.a.
Indian Bank
Indian Bank
Starting 7.25% p.a.
ICICI Bank
ICICI Bank
Starting 8.90% p.a.
Axis Bank
Axis Bank
Starting 9.25% p.a.
Kotak Mahindra Bank
Kotak Mahindra Bank
Starting 8.50% p.a.
IDFC FIRST Bank
IDFC FIRST Bank
Starting 9.75% p.a.
Tata Capital
Tata Capital
Starting 9.99% p.a.
Bajaj Finserv
Bajaj Finserv
Starting 10.50% p.a.
Piramal Finance
Piramal Finance
Starting 9.40% p.a.
L&T Finance
L&T Finance
Starting 10.25% p.a.
IndusInd Bank
IndusInd Bank
Starting 9.40% p.a.
Bank of Baroda
Bank of Baroda
Starting 8.60% p.a.
Poonawalla Fincorp
Poonawalla Fincorp
Starting 9.99% p.a.
auto_awesomeKey Advantages

Working Capital Features & Benefits

Key product features and underwriting advantages tailored for you.

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01

Pay Only for Utilized Amount

With Overdraft and Cash Credit facilities, interest is charged only on the exact funds utilized and days used.

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02

Collateral-Free Options up to ₹2 Crore

Unsecured working capital lines available based on 12-month GST and banking transaction surrogates.

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03

Quick 48-Hour Sanction

Streamlined assessment and fast limit sanction to address immediate supply chain and inventory needs.

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04

Annual Limit Renewal

Seamless annual review and limit enhancement as your business turnover grows.

fact_checkFast-Track Verification

Eligibility & Documents Required

Minimal documentation with 100% digital verification.

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Eligibility Criteria

Basic qualifications to apply

  • check_circleBusiness Vintage: Minimum 2 years of continuous business operations.
  • check_circleAnnual Turnover: Minimum ₹40 Lakhs+ annual business turnover with GST filings.
  • check_circleEntity Types: Proprietorships, Partnerships, Pvt Ltd Companies, and LLPs.
  • check_circleCredit Profile: Minimum 680+ CIBIL score with healthy banking transactions.
description

Documents Required

Simple digital paperless upload

  • task_altKYC of Promoters: PAN Card and Aadhaar Card.
  • task_altBusiness Proof: GST Certificate, Udyam Registration, or Incorporation Certificate.
  • task_altFinancials: Last 2 Years Audited Balance Sheet & P&L with computation.
  • task_altBanking Statements: Last 12 Months Current Account Bank Statements.
  • task_altGST Returns: Last 12 Months GST R-3B filings.
calculateInstant Financial Underwriting Tools

EMI Calculator for Working Capital

Simulate your monthly installment and total interest for Working Capital.

₹50,00,000
₹1 Lakh₹1 Crore₹5 Crore
11.50%
7.20%15.00%24.00%
1 Yrs (12 Mos)
1 Year5 Years10 Years20 Years
Estimated Monthly EMI
₹4,43,075/ month
Principal: 94%Interest: 6%
Principal Amount₹50,00,000
Total Interest₹3,16,900
Total Amount Payable₹53,16,900
1 Years Tenure
quizFAQs

Frequently Asked Questions

Interest is calculated on a daily reducing balance basis only on the amount withdrawn from your limit, not on the total sanctioned limit.

Ready to Apply for Working Capital?

Get matched across 50+ premier banks & NBFCs with zero upfront fees and minimal paperwork.

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