Empower Your Business Liquidity with Cash Credit Facility
Maintain seamless day-to-day operations with flexible short-term financing. Pay interest only on the amount you withdraw, not your entire limit.
Key Eligibility Criteria:
- Registered business entity (Sole Proprietorship, Partnership, LLP, or Pvt Ltd) operating for 2+ years
- Hypothecation of primary collateral such as raw materials, finished goods stock, or trade receivables
- Minimum annual business turnover of ₹20 Lakhs with audited financial statements
- Good credit score (CIBIL 700+) with a healthy bank account transaction history
Eligibility for Cash Credit Facility
Cash Credit is a short-term working capital facility allowed over available current account balances. Check if your entity type qualifies to apply.
Individuals
Salaried or self-employed individuals with consistent cash flow and current account activity.
Sole Proprietors & Professionals
Independent business owners, consultants, doctors, and legal professionals.
Partnership Firms
Registered partnership entities with a minimum operational track record.
Limited Liability Partnerships (LLPs)
LLPs seeking flexible working capital to finance day-to-day business operations.
Private Limited Companies
Private corporate entities requiring revolving lines of credit for inventory or receivables.
Public Limited Companies
Large enterprise setups looking for structured short-term liquidity solutions.
Registered Trusts
Formally registered non-profit or charitable trusts meeting banking credit norms.
Co-operative Societies
Societies and unions with structured operational cash flows and banking relationships.
Facilities We Provide Under Cash Credit
Explore how our Cash Credit ecosystem provides structured liquidity, tax benefits, and capital security tailored for enterprise growth.
Flexible Revolving Credit Line
Withdraw funds up to your approved limit whenever working capital gaps arise, and deposit surplus revenue back anytime to instantly lower interest costs.
Core Advantages
- 24/7 instant fund access via online banking
- No lock-in periods or fixed withdrawal schedules
- Automatic limit reinstatement upon repayment
Documents Required for Cash Credit
Please keep these documents ready for your Cash Credit facility application.
- Application for Cash Credit Facility (duly filled and signed)
- PAN Card
- Identity Proof of the applicant
- Address proof of the applicant
- Recent photographs
- Bank statements (minimum 6 months)
- Financial Statements
- ITR and GST Returns
- Business proof
- Business address proof
- Partnership Deed/ Memorandum and Articles of Association as the case may be
- Collateral/security details
- Existing loan/liability details
- GST Certificates
How To Get Your Cash Credit Facility
A structured four-step procedure from initial document audit to revolving working capital disbursement.
Application & Financial Audit
Submit your recent audited financials, bank statements, and business registration details. Our automated assessment engine calculates your initial limit eligibility instantly.
Key Documents & Deliverables
- Audited Balance Sheets (Last 2 Years)
- 6-12 Months Bank Statements
- GST Returns & Business Ownership Proof
Frequently Asked Questions
Everything you need to know about Cash Credit facilities and eligibility.