Secured Business Banking

Overview

Working capital is the lifeblood of any business, enabling seamless day-to-day operations. At IndusInd Bank, we recognize that working capital is essential for the smooth functioning and growth of businesses. Our Working Capital Finance solutions are designed to provide the liquidity to meet day-to-day operational expenses and short-term financial obligations. Our key offerings such as Cash Credit, Overdraft Facilities, and Bill Discounting ensure your business remains agile and well-positioned to seize new opportunities as they arise.

We provide flexible financial support to help businesses manage cash flow, maintain operations, and thrive in a competitive market. Whether for inventory or urgent needs, our solutions offer the financial flexibility to keep your business moving. Partner with us to optimize your working capital and drive long-term success.

Product Suite

Cash Credit
Ensure business liquidity to meet day-to-day operational needs effectively.
Overdraft Facility
Flexible overdraft option to manage short-term financial gaps seamlessly.
LC Bill Discounting
Quick cash against invoices to optimize working capital and drive growth.
OD Against FD
Overdraft against FD to maintain liquidity without breaking deposits.
Term Loans
Long-term financial solutions for sustained business growth
Working Capital Demand Loan
Timely funds to manage costs and fuel business expansion.
GST Working Capital Loans
Enhance cash flow with overdraft solutions based on your GST returns.
Cash Management Services
Stream line Cash flow with efficient collection, payment and liquidity solutions.
Easy Credit for Business
Hassle-free financing to meet all working capital requirements.

Features

A flagship product with class leading features 

Credit Limit

25 L to 30 Cr

Lower Costs

Competitive & Transparent Pricing

Versatile Collateral Options

Residential, Commercial, Industrial & Liquid Securities

Eligibility Criteria

Understand the detailed eligibility for accessing Working Capital Finance to Support your daily Operational and Business needs

Business Vintage

Minimum of 3 years

Profitable Business

For Last 2 years

Business Turnover

1 Cr to 250 Cr

Document Checklist & Credit Timeline

Credit Decisioning Timeline

Loan Amount Timeline
Loan amount less than 25 Lakhs Applications will be decided within 14 working days
Loan amount more than 25 lakhs Applications will be decided within 45 working days
*Timelines are subject to the submission of a complete set of documents by the customer

 

Document Checklist

List of Documents
Application form/Customer request letter
MOA/AOA/ Partnership deed along with ROF in case collateral is in partnership firm name
KYC & Pan Details of Borrower/Relevant Parties
GST Registration cetificate & GST Returns

Click here to download the full list of documents:

*List is illustrative & additional documents may be required on a case-to-case basis.