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Find customised home loan solutions for your unique needs

Balance Transfer

Find a better interest rate for your existing home loan

Top up Home Loan

Get a loan on your existing home loan to meet your needs

Loan Against Property

Turn your assets into a financial ally

Credit Track

Discover your financial fitness - check your credit score

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Home Loan EMI Calculator

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Mortgage Calculator

Calculate your Loan amount for your Current property

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Home Loan Eligibility Calculator

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Working Capital Loan

Fuel your day-to-day business operations with fast, flexible Working Capital Loans.

Manage inventory and expenses
Pay staff on time
Support short-term growth needs

Step 1

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Finish

₹ 5.50 Lakh Cr

AUM

1,712

BRANCHES

3.9 Cr

ACTIVE CUSTOMER BASE

₹ 1.78 Lakh Cr

CONSOLIDATED LENDING BOOK

What is a Working Capital Loan?

A working capital loan is a short-term loan designed to cover a business’s everyday operational costs, like rent, wages, and inventory. It’s not meant for long-term investments but to keep the business running smoothly when cash flow is tight.

Working capital financing helps businesses stay agile and ready to seize new opportunities without dipping into emergency reserves.

Cash Credit/Overdraft Facility

Withdraw funds up to a limit, repay flexibly

Trade Credit

Helps businesses buy now, pay later for raw materials or goods

Invoice Discounting

Get immediate funds against unpaid invoices

Short-Term Loans

Lump-sum loans for planned short-term expenses

Export Credit

Working capital for exporters to manage production and shipment

Advantages of Working Capital Finance with ABCL

Quick Approvals

Minimal documentation and fast processing

Custom Solutions

Flexible loan structures tailored to your operations

Competitive Interest Rates

Get funds at attractive terms

Transparent Terms

No hidden charges, full clarity from day one

Digital Access

Apply, track, and manage your loan online

Revision of Reference Rates for determining Interest Rates on loans given

Long Term Reference Rate

ABCL has increased its Long-Term Reference Rate (LTRR) by 20 bps to 20.45% p.a. with effect from March 1, 2024. The interest rate on the floating rate loans of tenor greater than 12 months that are linked to the LTRR will be revised upwards by 20 bps. The spread / margin on the said loans will remain unchanged.

Short Term Reference Rate

ABCL has increased its Short-Term Reference Rate (STRR) by 20 bps to 19.45% p.a. with effect from March 1, 2024. The interest rate on the floating rate loans of tenor up to 12 months that are linked to the STRR will be revised upwards by 20 bps. The spread / margin on the said loans will remain unchanged.

Features of a Working Capital Loan

Short-Term Funding

Flexible Loan Amounts

Quick Disbursal

Custom Repayment Terms

Eligibility Criteria and Required Documents

Eligibility Criteria for Operating Capital Loan

Registered business entity with operational history
Stable revenue over the last 12 months
Good credit history or CIBIL score

Documents Required for Working Capital Loan

PAN and Aadhaar (Proprietor/Business
GST Registration Certificate
Bank Statements (last 6–12 months)
Income Tax Returns
Business Registration or Incorporation Certificate
Financial statements (Profit & Loss, Balance Sheet)

Term Loan vs Working Capital Loan: Key Differences

Feature	Term Loan	Working Capital Loan
Purpose	Long-term investments	Day-to-day operational expenses
Loan Tenure	Typically 1–10 years	Usually up to 12 months
Repayment	Fixed EMIs	Flexible repayment based on cash flow
Disbursal	Lump sum	Day-to-day operational expenses
Collateral	Often required	May or may not require security

Customer Satisfaction Stories

Don’t just take our word for it. Hear from our customers about their successful financial journey with us

Mr. Hiralkumar Ashokbhai Patel

Aditya Birla Finance Customer

The digital platform and whatsapp service of ABHFL gives me a quick access to my basic loan details such as statement of accounts, loan account details, interest certificate, and repayment schedule.