Keep your business running with flexible Working Capital loans built for daily operations.
Explore our wide range of Working Capital loan options designed to fit your unique requirements.
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Working Capital Loan
Secured limits to run daily operations — rates from 9%, LTV up to 100%.
- Term Loan
- Overdraft (OD)
- Cash Credit (CC)
- 20+ banks & NBFCs
- Quick approval & disbursal
- Bank-grade data security
- Compare with zero credit-score impact
Working Capital Loan options
The working capital loan products we help you compare and apply for across our partnered banks and NBFCs.
- Term Loan
- Overdraft (OD)
- Cash Credit (CC)
Key features & benefits
Secured loan against collateral, lower interest rates
Higher loan amount than unsecured loans
Repayment as interest on utilised limit, renewed annually
Flexible end-use
CGTMSE government scheme benefits
Longer tenure WC Term Loans with lower EMIs
Higher LTV up to 100% of property value
Working Capital Loan interest rates
Indicative working capital loan rates, processing fees and loan amounts across our partnered banks and NBFCs. Final terms are set by the lender on approval.
| Bank / NBFC | Interest Rate | Processing Fee | Loan Amount | Apply |
|---|---|---|---|---|
| ICICI Bank | 9.25% to 9.75% | 0.60% + GST to 1% + GST | 50 lacs to 30 crore | Apply |
| Kotak Mahindra Bank | 9.25% to 9.75% | 0.60% + GST to 1% + GST | 50 lacs to 30 crore | Apply |
| HDFC Bank | 9.50% to 11.50% | 0.60% + GST to 1% + GST | 5 lacs to 15 crore | Apply |
| Axis Bank | 9.25% to 9.75% | 0.60% + GST to 1% + GST | 50 lacs to 30 crore | Apply |
| IDFC Bank | 9.5% to 10.5% | 0.10% + GST to 2% + GST | 50 lakh to 15 crore | Apply |
ICICI Bank
Apply- Interest Rate
- 9.25% to 9.75%
- Processing Fee
- 0.60% + GST to 1% + GST
- Loan Amount
- 50 lacs to 30 crore
Kotak Mahindra Bank
Apply- Interest Rate
- 9.25% to 9.75%
- Processing Fee
- 0.60% + GST to 1% + GST
- Loan Amount
- 50 lacs to 30 crore
HDFC Bank
Apply- Interest Rate
- 9.50% to 11.50%
- Processing Fee
- 0.60% + GST to 1% + GST
- Loan Amount
- 5 lacs to 15 crore
Axis Bank
Apply- Interest Rate
- 9.25% to 9.75%
- Processing Fee
- 0.60% + GST to 1% + GST
- Loan Amount
- 50 lacs to 30 crore
IDFC Bank
Apply- Interest Rate
- 9.5% to 10.5%
- Processing Fee
- 0.10% + GST to 2% + GST
- Loan Amount
- 50 lakh to 15 crore
Rates are indicative and lender-provided; they vary by profile, amount and tenure. PakkaLoan does not lend directly.
Eligibility & documents
Check that you meet the criteria and keep these documents handy for a faster approval.
Eligibility criteria
- Age of Applicant: minimum 21 years at application, no older than 65 years at maturity
- Nature of Business: individuals, proprietors, partnership firms, private/public companies, retailers, traders (service/manufacturing/trading)
- Turnover: varies by lending bank
- Vintage: operational for past 2 years with profit (varies by bank)
- Business Experience: minimum 2 years in same line at current location
- Financial History: stable and credible financial history of profits
- Source of Income: business income or investment income
- Credit Score: 700 and above
- Financial Capability: ability to repay (P&L, balance sheet, ITR)
- Creditworthiness: no loan defaults in the past
- Ownership or Collateral Worthiness: ownership of residence, office, shop, godown
Documents required
- Individual KYC
- Photo, PAN, Aadhar Card of all applicants and co-applicants
- Residence Light Bill
- Proprietor/all directors/all partners (If rented, include rent agreement)
- Permanent Address Proof
- Document to confirm permanent residence
- Business KYC
- Company PAN Card, Udyam Certificate, Gumasta Certificate, GST Certificate, List of Directors & Shareholding Pattern, Partnership Deed, Certification of Incorporation
- MOA and AOA
- Memorandum of Association and Articles of Association
- Office Light Bill
- Office light bill (If rented, include rent agreement)
- Company ITR
- Latest 2 years' Company ITR with audit report (CA attested)
- Directors' ITR
- Latest 2 years' ITR of all directors (CA attested)
- GST Return
- 1 year GST return
- Current Account Statement
- 1 year current account statement
- Ongoing Loans
- All ongoing loans on company and individual names with sanction letters
- Repayment Track Record
- Record of repayments for all ongoing loans
- Form 32 and Form 20B
- Required if applicable
Not sure which offer fits?
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Fees & charges
The fees and charges usually vary from lender to lender and from case to case.
| Particulars | Charges |
|---|---|
| Loan Processing Fees | 0.5% to 4% of Loan Amount |
| Loan Cancellation | Usually 3000 to 5% of Loan Amount |
| Stamp Duty Charges | As per the Value of the Property and State Tax |
| Legal Fees | As per actual |
| Penal Charges | Usually 2% per month |
| EMI / Cheque Bounce | Approx 499/- to 599/- |
Loan Processing Fees
0.5% to 4% of Loan Amount
Loan Cancellation
Usually 3000 to 5% of Loan Amount
Stamp Duty Charges
As per the Value of the Property and State Tax
Legal Fees
As per actual
Penal Charges
Usually 2% per month
EMI / Cheque Bounce
Approx 499/- to 599/-
Estimate your working capital loan EMI
Seeded with indicative working capital loan terms. Adjust the amount, rate and tenure to see your monthly instalment and total interest.
Working Capital Loan EMI calculator
Drag the sliders to estimate your monthly instalment, total interest and total amount payable. Figures are indicative.
- Principal80%
- Interest20%
Monthly EMI
₹31,19,981
over 60 monthly installments
Principal amount
₹15,03,00,000
Total interest
₹3,68,98,847
19.7% of total payment
Total payable
₹18,71,98,847
principal + interest
Checking offers won't affect your credit score.
Understanding your working capital loan
Plain-English context to help you compare offers with confidence. General guidance only — your final terms are always set by the lender on approval.
Understanding the working-capital cycle
Working capital is the gap between money tied up in stock, supplies and unpaid customer invoices and the cash you need on hand to keep operating. When you buy inventory or extend credit to customers, cash goes out before it comes back in, and that timing gap is what working-capital finance is designed to bridge. The smoother you can make this cycle, the less short-term funding your business tends to need.
How a renewable limit charges interest
Facilities like cash credit and overdraft give you a sanctioned limit you can draw against as the business demands, rather than a single lump sum. Interest is typically charged only on the amount you have actually utilised, not on the whole limit, and the line is usually reviewed and renewed periodically. This makes it well suited to seasonal or fluctuating cash needs, provided the limit is used for genuine operating expenses.
Collateral and government-backed schemes
A secured working-capital limit is backed by collateral such as property, which can support a larger amount at a lower rate than an unsecured facility. Separately, certain government-backed schemes exist to help eligible small businesses access credit on supportive terms. Whether you qualify for any such scheme, and the exact terms, is determined by the lender and the scheme's own rules — the details here are general and not an assurance of approval.
Working Capital Loan FAQs
Common questions about working capital loan eligibility, rates, tenure and repayment.
A working capital loan is a loan taken to finance a company's everyday operations. This loan is not used to buy long-term assets or investments but instead to cover short-term operational needs such as payroll, rent, and inventory.
The eligibility criteria for a working capital loan include the business's financial health, the company's turnover, credit score, and the ability to repay. Lenders also consider the business's cash flow and profitability.
There are several types of working capital loans, including short-term loans, lines of credit, invoice financing, and trade credit. Each type of loan serves a different purpose and has distinct features.
No, a working capital loan is typically intended to cover operational expenses and not for refinancing other loans. However, certain lenders may allow you to use funds to consolidate short-term debt.
Interest rates for working capital loans vary based on the loan type, loan amount, and the lender's policies. Typically, working capital loan interest rates range from 12% to 18%.
Working capital loans are usually short-term loans with a repayment period ranging from 6 months to 3 years, depending on the loan terms and lender agreement.
The amount you can borrow depends on the lender, your business's financial performance, and your credit profile. Working capital loans can range from ₹1 lakh to ₹10 crores or more, depending on your business's need.
Yes, some lenders offer working capital loans to new businesses, but the eligibility criteria may be stricter. Lenders will typically assess the business plan, projected cash flow, industry type, and the credit profile of the business owner. It's important to explore options that cater specifically to startups or small businesses when seeking a working capital loan.
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Important — please read
PakkaLoan is a digital loan-aggregation platform that helps users discover and apply for loan offers from partnered banks and NBFCs. PakkaLoan does not lend directly — final approval, interest rates and disbursal are determined solely by the respective lending partner. Loan offers are subject to standard credit-approval processes.
Working Capital Loan interest rates, processing fees, eligibility and loan amounts shown are indicative, provided by partnered banks & NBFCs, and vary by your profile, amount and tenure. The EMI calculator gives an estimate only. PakkaLoan does not lend, charge borrowers a fee, guarantee approval, or pull your credit-bureau score; your details are shared with lending partners only with your consent.
Apply for your Working Capital Loan today
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