Private Sector BankWorking Capital Facility (CC / OD)Small Enterprise (Investment ≤ ₹10 Cr)🛡️CGTMSE CoveredVerified: 2026-09-29

HDFC Bank Working Capital Cash Credit / Overdraft

Primary Lending Institution:HDFC Bank Ltd.

₹10 Lakh to ₹10 Crore MSME credit at 8.85% – 10.50% with Up to 12 months (Renewable) tenure.

Interest Rate8.85% – 10.50%Linked to EBLR / MCLR / Risk

Loan Amount Quantum₹10 Lakh to ₹10 CroreBased on turnover & project cost

Repayment TenureUp to 12 months (Renewable)With moratorium where applicable

Collateral SecurityRequires regular monthly stock statements and hypothecation of current assets.

What's Missing: Crucial Fine-Print & Exclusion Gaps

Requires regular monthly stock statements and hypothecation of current assets.

Note: Eligo publishes these regulatory and commercial exclusions directly from bank product guidelines and CGTMSE rules to protect MSME applicants from unexpected fee debits or loan rejection surprises.

What is HDFC Bank Working Capital Cash Credit / Overdraft?

Structured cash credit and bank overdraft facility providing working capital finance against stock and book debts.

Key Benefits & Features

Nationwide clearing; high digital transaction limits; competitive pricing linked to HDFC repo rate; forex services.

Government Subsidy & Credit Guarantee Coverage

CGTMSE / Bank Guarantee / Normal Security

Enterprise Eligibility Criteria

Manufacturing and distribution businesses with turnover exceeding ₹1 Crore.

Business Vintage2+ Years in Operation

Min. Annual Turnover₹100.0 Lakh

Processing Fee0.50% + GST

Prepayment TermsZero prepayment penalty on floating rate loans as per regulatory norms

How to Apply (3 Verified Paths)

💼Path 1: Current Account Portal

Apply online via business net banking or approach loan account manager.

🌐Path 2: Official FinTech / Govt Portal

Apply online at https://www.hdfcbank.com/personal/borrow/popular-loans/working-capital-loans with digital KYC and financial statements.

🏢Path 3: SME Banking Center Walk-In

Visit nearest MSME branch of the institution with business registration and bank statements.

Eligo does not collect business loan applications or financial data. Apply directly on the verified official domain:

Visit Official Portal↗

Documents Required Checklist

Udyam Registration Certificate, PAN, Aadhaar, Last 2 years ITR and financial statements, 12 months GST returns, 6 months bank statement.

Frequently Asked Questions

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.