Working Capital Finance
Working Capital Loan - Detailed Overview
Types of Working Capital Loans
working capital Key Loan Specifications
HDFC Bank – Working Capital Finance
Loan Amount
Valuedraw: ₹10 Lakh – ₹25 Lakh
Elitedraw: ₹25 Lakh onward
Elitedraw: ₹25 Lakh onward
Minimum Turnover
As per the bank's eligibility criteria and assessment.
Tenure
At the discretion of the bank.
Interest Rate
At the discretion of the bank.
Processing Fee
Up to 1% of the amount or ₹7,500, whichever is lower.
₹5,000 + applicable taxes may be collected as a non-refundable administrative cost towards valuation and legal expenses.
₹5,000 + applicable taxes may be collected as a non-refundable administrative cost towards valuation and legal expenses.
Bajaj Finance – Working Capital Finance
Loan Amount
₹2 Lakh to ₹80 Lakh
Tenure
12 months to 96 months (up to 8 years)
Interest Rate
14.00% to 23.50% per annum
Depending on your profile and risk assessment.
Depending on your profile and risk assessment.
Processing Fee
Up to 4.72% of the loan amount,
inclusive of applicable taxes.
Minimum Turnover / Eligibility
- Business vintage of at least 3 years
- CIBIL Score: 650 or higher
- Age: 21 to 80 years
Axis Bank – Working Capital Finance
Loan Amount
Up to ₹2 Crore for general business loans.
Standard small business / working capital variants may range from ₹50,000 to ₹75 Lakhs or customized limits depending on the facility.
Standard small business / working capital variants may range from ₹50,000 to ₹75 Lakhs or customized limits depending on the facility.
Repayment Tenure
Generally 6 to 60 months.
Standard business loan schemes may range from 12 to 36 months.
WCDL: 7 to 180 days, depending on the facility.
Standard business loan schemes may range from 12 to 36 months.
WCDL: 7 to 180 days, depending on the facility.
Interest Rate
Typically 10.75% to 25% p.a.
Rates may vary based on the loan product, borrower profile, risk assessment and applicable benchmark.
Rates may vary based on the loan product, borrower profile, risk assessment and applicable benchmark.
Processing Fee
Up to 2% of the loan amount
Plus applicable taxes. Login / non-refundable fees may apply depending on the specific product.
Plus applicable taxes. Login / non-refundable fees may apply depending on the specific product.
Minimum Business Turnover
Minimum annual turnover of ₹30 Lakhs
Business vintage of at least 3 years.
Business vintage of at least 3 years.
AU Small Finance Bank – Working Capital Finance
Loan Amount / Limit
Starts from ₹2 Lakhs up to ₹2 Crore.
Specific CC/OD limits may extend up to ₹5 Crore, depending on the scheme, business profile and lender assessment.
Specific CC/OD limits may extend up to ₹5 Crore, depending on the scheme, business profile and lender assessment.
Tenure / Validity
Working capital facilities such as Cash Credit (CC) and
Overdraft (OD) are generally sanctioned for
12 months, subject to annual review and renewal.
Interest Rate
Generally around 12.50% to 22.00% p.a.
Rates may vary and can be up to 24.00% p.a. depending on the product, borrower profile, risk assessment and lender policy.
Rates may vary and can be up to 24.00% p.a. depending on the product, borrower profile, risk assessment and lender policy.
Processing Fee
Up to 2%–3% of the loan amount, plus applicable GST.
Renewal, ad-hoc and other applicable charges may also apply.
Renewal, ad-hoc and other applicable charges may also apply.
Minimum Turnover / Assessment
Eligibility is assessed primarily based on business financials and lender
assessment rather than a single fixed minimum turnover criterion.
Indicative assessment benchmarks:
Indicative assessment benchmarks:
- Manufacturers: Up to 30% of turnover
- Traders: Up to 25% of turnover
- Service Providers: Up to 20% of turnover
Security / Collateral
Working capital facilities are primarily secured.
Collateral-free funding may be available up to ₹2 Crore
under eligible schemes such as CGTMSE, subject to applicable
eligibility and lender assessment.
Bandhan Bank – Working Capital Finance
Loan Amount / Limit
Offered as per assessment, based on submitted documents,
business financials and the bank's internal exposure policy.
Related business loan products may range from ₹1 Lakh to ₹1 Crore, depending on the product and eligibility.
Related business loan products may range from ₹1 Lakh to ₹1 Crore, depending on the product and eligibility.
Repayment Tenure
Generally on demand or structured as
revolving / short-term working capital limits,
subject to the applicable facility terms and annual review.
Interest Rate
Floating interest rates for eligible SME customers may start from
7.50% p.a. onwards.
The applicable rate may vary depending on the benchmark, business segment, credit profile, rating and lender policy.
The applicable rate may vary depending on the benchmark, business segment, credit profile, rating and lender policy.
Processing Fee
Minimum 1% plus applicable taxes.
Charges may be higher, up to 2%, for select overdraft or enterprise credit facilities, as applicable.
Charges may be higher, up to 2%, for select overdraft or enterprise credit facilities, as applicable.
Minimum Turnover / Eligibility
Primarily available to existing profit-making MSME units.
Eligibility and working capital limits are assessed based on business financials, banking conduct and submitted financial statements, typically covering the previous 3 years.
No single fixed public minimum annual turnover threshold is specified; assessment is generally case-specific.
Eligibility and working capital limits are assessed based on business financials, banking conduct and submitted financial statements, typically covering the previous 3 years.
No single fixed public minimum annual turnover threshold is specified; assessment is generally case-specific.
Margin Requirements
- Inventory: 25%
- Receivables: 30%
- LC & BG: 25%
Kotak Mahindra Bank – Working Capital Finance
Loan Amount / Limit
₹3 Lakhs to ₹1 Crore, depending on the specific product,
eligibility and lender assessment.
Certain product tiers may offer limits up to ₹75 Lakhs or ₹1 Crore.
Certain product tiers may offer limits up to ₹75 Lakhs or ₹1 Crore.
Repayment Tenure
Up to 60 months (5 years) for applicable business loan
facilities.
Working capital requirements may also be structured through revolving / short-term limits, subject to facility terms.
Working capital requirements may also be structured through revolving / short-term limits, subject to facility terms.
Interest Rate
Starts from around 13% p.a. for standard business/term
requirements.
Specific working capital finance options may be around 16.99% p.a. onwards.
The final rate depends on the product, borrower profile, credit assessment and lender policy.
Specific working capital finance options may be around 16.99% p.a. onwards.
The final rate depends on the product, borrower profile, credit assessment and lender policy.
Processing Fee
Up to 2% of the loan or facility amount,
plus applicable GST and other applicable charges.
Minimum Business Turnover
Minimum annual turnover of approximately ₹40 Lakhs.
The business should generally have been operational for at least 3 years and profitable for at least 1 year, subject to product-specific eligibility criteria.
The business should generally have been operational for at least 3 years and profitable for at least 1 year, subject to product-specific eligibility criteria.
YES BANK – Working Capital Finance
Loan Amount / Limit
Standard Business / Working Capital Loans may be available up to
₹75 Lakhs, with collateral-free options available under
eligible programmes.
Specialized Working Capital / Overdraft programmes may offer limits from ₹10 Lakhs up to ₹1.5 Crore–₹5 Crore, depending on the scheme, eligibility and lender assessment.
Specialized Working Capital / Overdraft programmes may offer limits from ₹10 Lakhs up to ₹1.5 Crore–₹5 Crore, depending on the scheme, eligibility and lender assessment.
Tenure / Validity
Term loan facilities typically have a tenure of
12 to 60 months.
Working capital facilities such as Overdraft (OD) and Cash Credit (CC) are generally subject to annual renewal / review.
Working capital facilities such as Overdraft (OD) and Cash Credit (CC) are generally subject to annual renewal / review.
Interest Rate
Starts from approximately 17.25% p.a. onwards.
The applicable interest rate may vary based on the loan type, business profile, credit history, risk assessment and lender policy.
The applicable interest rate may vary based on the loan type, business profile, credit history, risk assessment and lender policy.
Processing Fee
Typically up to 2%–2.75% of the sanctioned loan amount,
plus applicable GST, statutory stamp duty and other
applicable charges.
Minimum Business Turnover
General Business / Working Capital Loans may require minimum annual
turnover of approximately ₹30 Lakhs.
Certain digital or specialized micro-OD programmes may have lower requirements, potentially starting from around ₹20 Lakhs, subject to product-specific eligibility.
Certain digital or specialized micro-OD programmes may have lower requirements, potentially starting from around ₹20 Lakhs, subject to product-specific eligibility.
Equitas Small Finance Bank – Working Capital Finance
Loan Amount / Limit
General business/MSME working capital limits vary by product and
eligibility.
Merchant Overdraft facilities may range from ₹1 Lakh to ₹20 Lakhs, while broader Business/MSME loan facilities may extend up to ₹75 Lakhs or higher under specific collateral-backed programmes.
Merchant Overdraft facilities may range from ₹1 Lakh to ₹20 Lakhs, while broader Business/MSME loan facilities may extend up to ₹75 Lakhs or higher under specific collateral-backed programmes.
Tenure / Validity
Working capital facilities such as Overdraft (OD) and
Cash Credit (CC) typically operate on a
12-month renewable / review cycle, subject to applicable
facility terms and lender assessment.
Interest Rate
Working Capital / MSME financing may be priced at rates around
17.00% p.a. onwards, depending on the applicable benchmark
and borrower profile.
General Business Loan rates may start around 18.00% p.a.
Final rates are subject to credit assessment, product terms and lender policy.
General Business Loan rates may start around 18.00% p.a.
Final rates are subject to credit assessment, product terms and lender policy.
Processing Fee
Up to 2% of the facility / loan amount, plus applicable
GST and taxes.
A non-refundable proposal login fee of ₹5,000 may apply to certain MSME / working capital applications.
A non-refundable proposal login fee of ₹5,000 may apply to certain MSME / working capital applications.
Minimum Business Turnover
No single fixed minimum annual turnover threshold is publicly specified
for all working capital products.
Eligibility is generally assessed based on cash flow, business vintage, financial performance, banking conduct and credit bureau / CIBIL profile.
Eligibility is generally assessed based on cash flow, business vintage, financial performance, banking conduct and credit bureau / CIBIL profile.
Utkarsh Small Finance Bank – Working Capital Finance
Loan Amount / Limit
₹10 Lakhs to ₹1 Crore, subject to the applicable
product, business profile, eligibility and lender assessment.
Tenure / Validity
Overdraft (OD): 1 year, generally renewable annually.
Dropline Overdraft (DLOD): Minimum 36 months to maximum 120 months.
Dropline Overdraft (DLOD): Minimum 36 months to maximum 120 months.
Interest Rate
Typically starts from around 10% p.a. onwards.
Rates for specific small business or startup categories may vary and can be around 23% p.a. onwards, depending on the product, borrower profile, credit assessment and lender policy.
Rates for specific small business or startup categories may vary and can be around 23% p.a. onwards, depending on the product, borrower profile, credit assessment and lender policy.
Processing Fee
Generally around 0.50% to 2% of the loan amount,
plus applicable GST and other applicable charges.
Minimum Business Turnover / Eligibility
Available to eligible:
- Proprietorship firms
- Partnership firms, including LLPs
- Private / Public Limited Companies
- Self-employed professionals
- Eligible trusts, including hospitals and educational trusts
CapSafe – Working Capital Finance
Loan Amount / Limit
Customized and flexible MSME business funding based on the business
profile, financials, cash flow and credit assessment.
Specific minimum or maximum loan limits are subject to the applicable product and lender assessment.
Specific minimum or maximum loan limits are subject to the applicable product and lender assessment.
Repayment Tenure
Flexible short-to-medium-term repayment options designed around the
business cash-flow cycle.
Applicable facilities may offer tenure of up to 36 months, subject to product terms and eligibility.
Applicable facilities may offer tenure of up to 36 months, subject to product terms and eligibility.
Interest Rate
Competitive interest rates determined based on the borrower's
credit profile, financial performance, business profile
and applicable lender assessment.
The final rate is communicated during the application and appraisal process.
The final rate is communicated during the application and appraisal process.
Processing Fee
Variable and disclosed during the application /
appraisal process, along with applicable taxes and other charges, if any.
Minimum Business Turnover
No fixed public minimum turnover threshold specified.
Eligibility is assessed based on business vintage, cash-flow stability, financial performance and overall credit profile.
Eligibility is assessed based on business vintage, cash-flow stability, financial performance and overall credit profile.