एचडीएफसी बैंक (HDFC) Bank कार्यशील पूंजी ऋण (वर्किंग कैपिटल) कैश क्रेडिट (सीसी लिमिट) / ओवरड्राफ्ट सुविधा
ऋण प्रदाता बैंक / संस्था: HDFC Bank Ltd.
₹10 Lakh to ₹10 Crore MSME credit at 8.85% – 10.50% with Up to 12 months (Renewable) tenure.
💼उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)
उत्पाद का संक्षिप्त विवरण
Structured cash credit and bank overdraft facility providing working capital finance against stock and book debts.
प्रमुख लाभ एवं व्यावसायिक विशेषताएं
Nationwide clearing; high digital transaction limits; competitive pricing linked to HDFC repo rate; forex services.
📋पात्रता मानदंड एवं कोलेटरल नियम (Eligibility & Collateral)
व्यावसायिक पात्रता शर्तें
Manufacturing and distribution businesses with turnover exceeding ₹1 Crore.
जमानत / कोलेटरल आवश्यकता (Collateral)
Requires regular monthly stock statements and hypothecation of current assets.
प्रीपेमेंट एवं समय-पूर्व बंद करने के नियम (Prepayment Terms)
Zero prepayment penalty on floating rate loans as per regulatory norms
📂आवश्यक दस्तावेज (Required Documents)
Udyam Registration Certificate, PAN, Aadhaar, Last 2 years ITR and financial statements, 12 months GST returns, 6 months bank statement.
⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Caveats)
Requires regular monthly stock statements and hypothecation of current assets.
🚀आवेदन के चरण (How to Apply)
Apply online via business net banking or approach loan account manager.
Apply online at https://www.hdfcbank.com/personal/borrow/popular-loans/working-capital-loans with digital KYC and financial statements.
Visit nearest MSME branch of the institution with business registration and bank statements.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What is the maximum loan tenure and amount for HDFC Bank Working Capital Cash Credit / Overdraft?
Borrowers can avail ₹10 Lakh to ₹10 Crore with a repayment tenure of Up to 12 months (Renewable).
What are the processing charges and collateral terms for HDFC Bank Working Capital Cash Credit / Overdraft?
The processing fee is 0.50% + GST. Collateral terms: Requires regular monthly stock statements and hypothecation of current assets.
What are the eligibility criteria for HDFC Bank Working Capital Cash Credit / Overdraft?
Manufacturing and distribution businesses with turnover exceeding ₹1 Crore. Minimum business vintage required is 2 year(s).
How can an applicant apply for HDFC Bank Working Capital Cash Credit / Overdraft?
Apply online at https://www.hdfcbank.com/personal/borrow/popular-loans/working-capital-loans or visit nearest branch with KYC, Udyam registration, and bank statements.