Keep stock moving
Working Capital Loan
Short-term funds for inventory, receivables, and payroll
Term loans, OD, and invoice-style limits so GST-registered MSMEs in Bangalore and Karnataka are not stuck waiting on customer payments.
Amount
Up to ₹3 Cr
Rates from
12.00% p.a.
Tenure
12 – 48 months
Approval
5–10 working days*
Why borrowers pick this product
- GST and banking-led underwriting
- Term loan or revolving structures
- Seasonal peak funding
- Can sit alongside an existing CC
Indicative lender grid
Compare side by sideFigures are public-range illustrations for planning, not live bank APIs or guaranteed offers.
| Lender | Type | Rate | Amount | EMI / lakh | Processing | |
|---|---|---|---|---|---|---|
| State Bank of India | Nationalized Bank | 8% – 10.5% | ₹5 L – ₹40 Cr | ₹1,992 – ₹2,160 | Up to 0.35% + GST | Enquire |
| Bank of Baroda | Nationalized Bank | 8.15% – 11.2% | ₹10 L – ₹10 Cr | ₹2,001 – ₹2,180 | Up to 1% | Enquire |
| Punjab National Bank | Nationalized Bank | 8.2% – 12.4% | ₹5 L – ₹5 Cr | ₹2,005 – ₹2,230 | Up to 1% | Enquire |
| Canara Bank | Nationalized Bank | 8.15% – 11.9% | ₹5 L – ₹5 Cr | ₹2,001 – ₹2,200 | Up to 0.50% | Enquire |
| HDFC Bank | Private Bank | 8.35% – 14.5% | ₹50,000 – ₹10 Cr | ₹2,015 – ₹2,370 | Up to 1% or as advertised | Enquire |
| ICICI Bank | Private Bank | 8.4% – 15% | ₹50,000 – ₹5 Cr | ₹2,018 – ₹2,400 | Up to 2% | Enquire |
| Axis Bank | Private Bank | 8.5% – 16% | ₹50,000 – ₹5 Cr | ₹2,025 – ₹2,450 | Up to 1.5% | Enquire |
| Kotak Mahindra Bank | Private Bank | 8.7% – 16.5% | ₹1 L – ₹3 Cr | ₹2,040 – ₹2,480 | Up to 2% | Enquire |
| Bajaj Finance | NBFC | 11% – 28% | ₹50,000 – ₹55 L | ₹2,175 – ₹3,100 | Up to 3.93% | Enquire |
| Tata Capital | NBFC | 10.99% – 24% | ₹75,000 – ₹75 L | ₹2,170 – ₹2,900 | Up to 3% | Enquire |
| IDFC FIRST Bank | Private Bank | 8.85% – 18% | ₹1 L – ₹5 Cr | ₹2,050 – ₹2,550 | Up to 2% | Enquire |
Inventory cycle
Cover the gap between supplier credit and retail or wholesale collections.
Receivables
Bridge large invoices to corporates or government departments.
Payroll & overheads
A short tenor line so salaries and rent do not slip in a slow month.
Eligibility
- Business vintage typically 2+ years
- GST returns that match banking credits
- Positive ITR for at least 2 years
- No recent wilful default
Documents
- KYC and entity documents
- GST, ITR, and 12-month current account
- Debtors / creditors ageing if asked
- Existing facility sanction letters
FAQs
A generic business loan is often a fixed EMI for expansion. Working capital is sized to the operating cycle and may be revolving.
