Financial service

Working Capital Loan

Cash-flow finance, OD/CC assistance and short-tenure facilities for operational business needs.

Indicative eligibilityDocument checklistLender-policy disclaimer

Working Capital LoanSMEs, traders and manufacturers

ProfileSMEs, traders and manufacturers

Documents4 groups

StructureFacility type determines renewal and repayment

Next stepApply with consent

OD/CC/DOD guidance

Cash-flow mapping

Renewal and enhancement support

GST returns

Financial statements

Stock/debtor data where required

Bank statements

FacilitationCoordination support

DocumentsProfile readiness

Lender reviewPolicy-led decision

Is OD different from a term loan?

Yes. OD/CC facilities support revolving working capital, while term loans have fixed repayment schedules.

Can limits be enhanced?

Live loan model

Working Capital Loan EMI Preview

Adjust each driver and watch repayment economics update instantly.

Loan amountInterest rate (% p.a.)Tenure (years)

Monthly EMI₹21,742

Total interest₹3,04,545

Total payable₹13,04,545

First 12 months amortization schedule
Month	Principal	Interest	Balance
1	₹12,576	₹9,167	₹9,87,424
2	₹12,691	₹9,051	₹9,74,733
3	₹12,807	₹8,935	₹9,61,926
4	₹12,925	₹8,818	₹9,49,001
5	₹13,043	₹8,699	₹9,35,958
6	₹13,163	₹8,580	₹9,22,795
7	₹13,283	₹8,459	₹9,09,512
8	₹13,405	₹8,337	₹8,96,106
9	₹13,528	₹8,214	₹8,82,578
10	₹13,652	₹8,090	₹8,68,926
11	₹13,777	₹7,965	₹8,55,149
12	₹13,904	₹7,839	₹8,41,245

Calculator results are indicative and do not represent loan approval or final lender pricing.

Formula disclosure

EMI = P x R x (1 + R)^N / ((1 + R)^N - 1), where R is the monthly interest rate and N is tenure in months.

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