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working Capital Demand Loans

Keep your business running smoothly with instant short-term funding. Get a working capital demand loan to cover daily expenses and manage cash flow with ease.

Quick disbursal and minimal documentation
Competitive interest rates
Ideal for operational expenses, salaries, and vendor payments

₹ 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 Demand Loan?

A working capital demand loan is a short-term credit facility designed to help businesses meet immediate operational needs. Unlike long-term loans, WCDLs are typically repayable on demand and used strictly for working capital purposes, not for capital investments or expansion.

Working capital demand loan, meaning in banking, refers to a loan that bridges cash flow gaps while preserving business continuity. It allows businesses to meet current obligations without tying up revenue or liquidating assets.

Importance of Working Capital in Business Operations Working capital is the lifeblood of a company. It includes everything from receivables and payables to inventory and cash. When shortfalls occur, operational delays and financial strain follow. A WCDL in banking solves this by:

Ensuring uninterrupted day-to-day operations
Allowing businesses to negotiate better terms with vendors and suppliers
Providing liquidity during revenue gaps
Reducing pressure on internal reserves

Key Features of Our Working Capital Demand Loan

Loan Type:

Short-term, repayable on demand

Usage:

Salaries, rent, raw material purchases, utility bills, and other recurring expenses

Loan Amount:

Based on operational scale and credit profile

Interest Rates:

Competitive and tailored to business risk

Tenure:

Typically up to 12 months or as per lender's terms

Disbursal Time:

Quick and hassle-free process

Flexibility:

Use funds as needed within the approved limit

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.

Who Should Opt for This Loan?
A working capital demand loan is ideal for:

SMEs and mid-sized businesses facing short-term cash flow gaps

Companies with seasonal revenue cycles

Enterprises with high operational costs and delayed receivables

Businesses looking to manage everyday expenses without disrupting long-term capital

Check Your Eligibility

Who Can Apply:

Proprietorships, partnerships, LLPs, private and public limited companies
Businesses with at least 1–2 years of operational history
Must have a good credit score and clear repayment capacity

Documents Required:

PAN and business registration documents
KYC of owners/directors
Bank statements (last 6–12 months)
Audited financials for the last 2 years
Business plan or fund utilization statement (if requested)

Why Choose Aditya Birla Capital?

Tailored financing for your operational needs

Fast disbursal and easy documentation

Trusted experience in delivering working capital solutions

Transparent terms with no hidden charges

Dedicated support from relationship managers

At Aditya Birla Capital, we understand that your business doesn’t stop—and neither should your cash flow. Our working capital demand loan solutions are designed to keep your operations moving, always.

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.