Opt for Secured / Unsecured Loan


R.O.I 14%.


Less Documentation

How Working Capital
Loan Works?

The working capital loan can either be secured or unsecured type, in the former the company’s asset shall be presented as the collateral. On the other hand, the unsecured working capital loan is the signature loan that is granted by the bank based on the applicant’s eligibility criteria and CIBIL Score

Manage the expenses of working capital with the loan. Get My Mudra Working Capital Loan. Interest rate starting at 13% R.O.I with the tenure period of 12 months to 36 months.

How Working Capital Loan Works?

Eligibility and Documentation
For Working Capital Loan

Working Capital Loan Eligibility Criteria

Applying for a working capital loan needs the same requirements as any other loan. Mentioned below are the eligibility criteria required for the working capital loan.

Age: The age of the borrower should be between 21 years - 60 years.
Business Nature: Individuals, proprietors, partnership firms, private or public companies, retailers, traders or any other business owner engaged in the business of service, manufacturing products, or trading sectors that require constant cashflows to maintain their business's working capital. 
Business Turnover: The turnover should be above 7.5 crore.
Business Vintage: The Business should be running from atleast 2 years.
CIBIL: The CIBIL Score of a company should be above 700.

Documents for Working Capital Loan

PAN card of the Company.

KYC Documents

Address Proof

Ownership Proof of property whether it be private or commercial.

Income Tax Returns, and Sales Tax Challans for the previous three years.

Registration Proof includes, partnership deed, Certificate of Incorporation.

Loan details of an existing loan. (if any loan is pending).

Bank statements for the last three months

Eligibility and Documentation For Working Capital Loan

How to apply for
Working Capital Loan?

Apply for the working capital loan hassle-free with My Mudra. We are offering a swift loan approval process. Get your working capital loan disbursed within a day with the three easy steps mentioned below.               

1. Apply for My Mudra working capital loan with a click.

2. Get the documentation done online on the portal.

3. Enjoy quick disbursal of your working capital loan.

How to apply for Working Capital Loan?

Which banks to apply for Working Capital Loan?


Interest Rate

My Mudra 

14.00% p.a.

HDFC Bank 

As per the bank 

Capital Float 

15% p.a. - 24% p.a.

Indian Overseas Bank

As per the bank 

Bandhan Bank

10.06% p.a. - 16.64% p.a.


Working Capital Loan EMI Calculator

Loan Amount



Interest Rate


Your Monthly loan emi Rs.23,537

Monthly amount paid to your loan provider

Interest rate

Total Payble Amount


your loan details as specified by you

Loan Amount
Interest Rate

Frequently Asked Questions
On Working Capital Loan

What is working capital loan?
A working capital loan is one which is taken by the borrower to finance the day-to-activities in the office. An established business or a small shop has daily expenses which sometimes become a financial burden on the shoulders. Especially when the business is cyclic or seasonal, managing such expenses is burdensome.
What are the types of working capital loan?
The types of working capital loans include: Revolving Line of Credit: A flexible loan that provides access to a predetermined credit limit. Businesses can borrow and repay funds as needed, paying interest only on the amount utilized. Invoice Financing: This type of loan allows businesses to leverage their accounts receivable by obtaining a percentage of the outstanding invoices' value upfront, providing immediate cash flow. Merchant Cash Advance: Suitable for businesses with regular credit card sales, this loan provides a lump sum in exchange for a portion of future credit card sales, with repayments based on a percentage of daily sales.
What are the advantages of working capital loan?
Get to know the advantages of a working capital loan and how it can be used in the business. Payroll: Manage Payroll with working capital loan swiftly. Rent: Rent can be easily managed through the working capital loan. Operational costs: Operational costs can be a cakewalk with the working capital loan. Cash Flow: Managing cash flow gaps is not a strenuous task with the working capital loan. Day-to-day expenses: These expenses can be managed with the help of a working capital loan. Debt: Paying old debt taken for business is easier with the working capital loan.
What is working capital demand loan?
A working capital demand loan is a type of loan provided by financial institutions to meet the short-term working capital needs of businesses.Unlike term loans, which have a fixed repayment schedule over a specific period, a working capital demand loan offers more flexibility. It provides businesses with a revolving line of credit that can be used as needed and repaid at any time.
What is working capital loan interest rate?
The interest rate for the Working Capital loan starts at 14% R.O.I