Businesses sometimes, even while earning find a shortage of funds, which occurs especially around a high season or cyclical sales periods. Such businesses often opt for working capital loan which helps in financing the everyday tasks of the company and bridges the gap between purchase of items and funds received from the sales of goods. Working capital finance is a boon to ensure that the low business activity periods do not come. Sometimes people opt for such loans to settle the high interest loans which they are already paying to return. Short term working capital loans are also available which must be settled in a shorter time and can associate with a renovation, expansion of an existing business or any such short term business expense. Especially if wishing to buy equipment for business anequipment finance facility is available. The working capital loan or finance can be availed by not just businessmen but professionals and self-employed individuals as well. Loan for doctors are a popular kind of working capital finance where they can easily avail loan for doctors equipment if planning to set up new machinery or equipment at their clinic or hospitals. If worried about the interest rate and other eligibilities then you can easily sort all queries and doubts at RupyaaPaisa, where you get doctors loan interest rate India card.In all we are, your one stop destination to getting any types of loans or finance easily and worry-free.



A working capital loan is a loan that has the purpose of financing the everyday operations of a company.It allowes to fulfill the financial gap or time between purchase and cash received from sales.Companies that have high seasonality or cyclical sales cycles usually rely on working capital loans to help with periods of reduced business activity.

Fund Based Credit Facilities:    

  • Cash credit
  • Working capital Demand loan
  • Bill Discounting/ Purchasing Facilities.
  • Preshipment credit : Export Packing Credit in INR and Denominated Foreign currency
  • Post shipment Credit-Foreign Bills Discounting /Purchasing/Negotiation
  • Bills Discounting against Inland LCs on Base Rate up to 90 days

Non-Fund based facilities  

  • Letter of Credit (ILC/FLC)
  • Bank Guarantee (Financial /Performance)
  • Letter of Comfort for availing Buyers credit - We issue Letter of comfort to enable our customers to avail Buyer's credit from overseas Branches of our bank (Hong Kong & Singapore branches) or other banks for procurement of goods or fixed assets
  • Stand by Letter of Credit (SBLC)
  • Deferred Payment Guarantee (DPG)

Term loan : Rupyaa paisa helps you in sanctioning of project loan (green field or brown field) or non-project loan for capital goods/ asset creation for your project on long term basis Salient Features:

The Term loan provides funds for
  • Setting up new manufacturing/industrial units
  • Expansion of existing units
  • Exchanging of high cost debts availed form other banks/FIs

Can be availed under Deferred Payment Basis.

Terms loans can be availed in Foreign currency i.e. FCL/FCTL

Loans against future rent receivables

Factoring of Future receivables

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  • Entities which are 3 years in existence, and 2 years into same line of business is eligible for this facility.
  • This facility is available to all segments of business - manufacturers, traders, services, educational trusts etc.
  • The financials should be audited, and the entity should be in profits.
  • Collateral is required for this facility. The amount of collateral required depends on the policies of the bank. Some accept at 50%, and vary upto 150% of the collateral requirement.
  • The company should not be under default category, as listed by the RBI
  • Cheque bounces/suit filed/write off are considered adversely by the banks, unless backed by sufficient reasoning/documents for justifying the same.

Document Required

Detailed List

Application form

Duly signed application form by the firm/company applying for working capital finance

KYC Documents

Business proof - Shop establishment/certificate of incorporation/partnership deed

PAN card of entity/partners/directors, guarantors.

Address proof of entity/partners/directors, guarantors


3 years Audited balance sheet/P&L with schedules to balance sheet

Acknowledged copy of IT returns filed for the last 3 years.

Current year performance till date along with projected performance for the year.

VAT returns justifying sales for the current year.

Bank Statement

Latest Bank statement for the last 6 months (new proposal) and 12 months (Take-over proposals). The statement of account should be of the operating account

Order Status

Present status of orders on hand

Collateral Documents

The latest sale deed along with parent documents for the last 30 years for the property to be submitted as collateral . Along with the government approvals, latest paid water/property taxes.

Post Sanction Documents

As stipulated by the bank