Working Capital Finance

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Working Capital Finance

Types :

  • Cash Credit (CC)
  • Working Capital Term Loan facility (WCTL)
  • Overdraft against Property

Our Working capital finance facility provide your business, the cash it needs to keep growing until you can cover all operating expenses out of revenue. We helps you to meet your everyday operational fund requirements & immediate business obligations. Funds are provided based on the underlying operational efficiency of the company/firm/unit & integrity.

Key Points :

  • Personalized service and assistance by our Bank.
  • Assessment on easy terms
  • Working capital finance not to be used for buying long term assets or investments.
  • Adequate Drawing power to be maintained.
  • Overdraft/ TOD facility is subjected to yearly renewal/ review.
  • Priority sector advances are encouraged.
  • Eligibility calculated as per Sales Turnover Method and Working capital gap method.
  • Service Charges and Share money will be as applicable.
  • Collateral security required as per Banks Prescribed norms.
  • ROI as per credit grading.


  • Brief history and profile of Company,Firm and its promoters,Partners
  • Bank Statements for last 12 months of all existing loan /OD accounts
  • Audited Or CA Certified Financialsfor last three financial years.
  • Sanction Letter of an existing bank limit (if any).
  • Any other documents as required by the bank at a later stage