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Working Capital / OD / CC / DLOD loans may be availed for:

• Purchase of raw materials
   
• Inventory management
   
• Payment of salaries and operational expenses
   
• Managing receivables and short-term cash gaps
   
• Meeting seasonal business requirements
   
• Business continuity and liquidity management
   

A revolving credit facility sanctioned against stock and receivables. Interest is charged only on the utilized amount within the sanctioned limit.

A facility that allows withdrawal of funds beyond the available bank balance up to a sanctioned limit. It may be secured against property, deposits, or other collateral.

A structured overdraft facility where the sanctioned limit reduces periodically (monthly/quarterly) as per agreed repayment schedule.

• Proprietorship Firms
   
• Partnership Firms
   
• LLPs
   
• Private Limited Companies
   
• Registered MSMEs
   

• Business operational for minimum 2–3 years
   
• Stable turnover and profitability
   
• Proper statutory registrations (GST, Udyam, etc.)
   
• Satisfactory credit score of promoters and business
   
• Healthy banking transactions
   
• No major loan defaults
   

1. Duly filled and signed loan application form
    
2. PAN Card (Individual & Business)
    
3. Aadhaar / Identity & Address Proof
    
4. GST Registration Certificate
    
5. Udyam Registration (if applicable)
    
6. Partnership Deed / MOA & AOA (as applicable)
    

1. Income Tax Returns for last 2–3 years
    
2. Audited Financial Statements (P&L and Balance Sheet)
    
3. Bank statements for last 6–12 months
    
4. GST returns
    
5. Existing loan statements
    

1. Property documents (if secured against property)
    
2. Stock statements
    
3. Debtors and creditors statements
    
4. Collateral-related legal and valuation reports
    

• Sanctioned limit depends on turnover and working capital assessment
   
• Drawing power calculated based on stock and receivables (for CC)
   
• Interest charged only on utilized amount
   
• Processing, renewal, and documentation charges may apply
   
• Facility is subject to annual review and renewal
   
• Approval subject to internal credit assessment and verification