Loan Amount
Up to ₹75 Lakh
Interest Rate
Starting at 15%* p.a.
Loan Tenure
6-48 Months

Working Capital Loan EMI Calculator

Use our online EMI calculator to know your monthly payments. Slide the bar to enter the loan amount, interest rate and tenure to calculate your EMIs instantly. Try now!

Optimise Your Business Loan Experience
With Monthly Budget Planning

Monthly Payable Amount₹8,791
Principal Amount
₹100000
Interest Payable
₹5,493

Loan Amount

Interest Rate

%
15%
30%

Tenure

Months
6 Months
48 Months

Why Choose Poonawalla Fincorp

Collateral-free
Loan
Quick
Approval
No Hidden
Charges
Minimal
Documentation
Simple Eligibility
Criteria
Attractive
Interest Rate

Apply for a Business Loan Online in Just 3 Steps

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Click on "Apply Now”

Tap the "Apply Now" button to initiate your application.

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Enter Details

Enter your DOB, PAN card number, monthly income, and residential details.

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Upload Documents

Upload the necessary documents for quicker approval.

On successful verification, the loan amount will be disbursed into your bank account instantly.

Get exclusive offers thoughtfully customised just for you

Fulfil our simple eligibility criteria to avail of the loan:

  • Age Limit: 24 to 65 years.
  • Nationality: Indian citizen.
  • Business Vintage: Minimum 2 years.
  • Annual Turnover: At least ₹6 Lakh.

Submit just a few documents:

  • KYC Documents
  • Business Address Proof
  • Financial Documents

Click to know more about documentation in detail.

Avail of our Business Loan for working capital at competitive interest rates and nominal charges:

Interest Rate
15% p.a. onwards
Loan Amount
₹5 Lakh to ₹75 Lakh
Loan Processing Fees
Up to 3.5%
Lowest EMI per month
Starting from ₹13,915* per Lakh for 48 months
Loan Tenure
6-48 months
Prepayment/Foreclosure Charges
Up to First 6 EMIs: 6% on principal outstanding + taxes

After 6 EMIs: 5% on principal outstanding + taxes
Default Charges
24% per annum plus applicable taxes
Repayment Instrument Dishonour Charges
₹500 per bounce
Stamp Duty
At actuals (as per state)
Hidden Charges
Nil

Default Charges: Penalty will be charged for nonpayment of EMI amount and for non-compliance of material terms and conditions, as more particularly specified at Default Charges.pdf

*T&C Apply

  • Upgrading existing facilities
  • Hiring workforce
  • Paying salaries to staff
  • Procuring raw materials
  • Purchasing machinery and equipment
  • MSMEs
  • Sole Proprietors
  • Owner of Retail Shops
  • Women Entrepreneurs
  • Small Business Owners
  • Finalise your working capital requirements
  • Check your credit score
  • Keep the loan documents handy
  • Avoid multiple loan applications

Get Funds Quickly With
Minimal
Documentation

1

Click 'Apply Now' Fill out the online form to start your loan application.

2

Upload Documents Provide your KYC documents to complete the verification.

3

Get Funds Get the loan amount
disbursed to your bank account.

Happy Customers, Happy Us

Get exclusive access to simplified
Personal Finance
Information at
Poonawalla Fincorp’s FinHub

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Frequently Asked Questions

Getting a working capital loan can help you cover your short-term expenses when your business does not have enough cash flow to cover the operational costs.

The lowest EMI for Poonawalla Fincorp’s Business Loan for working capital starts from ₹2,783* for a loan amount of ₹1 Lakh, interest rate of 15%* p.a. and a loan tenure of 48 months.

Yes, making on-time repayments for your working capital loan will help improve your credit score. On the other hand, if you miss your EMI payments or default on the loan entirely, it will have a negative impact on your credit score.