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Institutional Business Loans & Working Capital

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Available Institutional Loan Facilities

Term Loan

Secured Business Term Loan

Long-Term Capex & Business Expansion Credit

Interest Rate9.25% – 13.50% p.a.
Max LimitUp to ₹25.00 Cr
Tenure12 to 84 Months
Min CIBIL700+ Score
  • Collateral coverage up to 150% with commercial or industrial real estate
  • Flexible moratorium period up to 6 months for greenfield expansion
  • Part-prepayment allowed with zero foreclosure penalty for MSMEs
Working Capital

Working Capital Cash Credit / Overdraft

Working Capital Liquidity Tied to Stock & Book Debts

Interest Rate10.00% – 14.00% p.a.
Max LimitUp to ₹10.00 Cr
Tenure12 Months (Renewable)
Min CIBIL680+ Score
  • Interest calculated solely on utilized balance
  • Monthly DP (Drawing Power) calculated from stock & debtor audit statements
  • Multi-banking consortium options for high-turnover manufacturers
Invoice Discounting

Invoice Discounting & Supply Chain Finance

Instant Working Capital Unlocked from Enterprise Invoices

Interest Rate1.10% – 1.60% per month
Max LimitUp to ₹5.00 Cr
Tenure30 to 120 Days
Min CIBIL650+ Score
  • Zero collateral required — backed by blue-chip corporate buyer acceptances
  • Disbursement within 24-48 hours of invoice verification on TReDS / MTD
  • Non-recourse and with-recourse factoring options available
Equipment Finance

Machinery & Equipment Capital Loan

Asset-Backed Financing for Industrial & CNC Machinery

Interest Rate10.25% – 12.75% p.a.
Max LimitUp to ₹8.00 Cr
Tenure24 to 60 Months
Min CIBIL700+ Score
  • Hypothecation on newly purchased plant, CNC, or medical machinery (up to 85% LTV)
  • Direct OEM manufacturer disbursement with customs duty funding for imports
  • Quick sanction with minimal additional collateral required

Business EMI Calculator

Live Estimator
2.00 Cr
48 Months (4.0 Yrs)
9.50%
Estimated Monthly EMI
5,02,463
Total Interest:₹41.18 Lakh
Total Repayment:₹2.41 Cr