Loan Amount
Up to ₹1 Crore
Interest Rate
Starting at 15%* p.a.
Loan Tenure
6-60 Months

Working Capital Loan EMI Calculator

Calculate your monthly EMI payments using our EMI calculator. Use the slider or enter the loan amount, interest rate, and tenure to instantly view your monthly payable amount and total interest payable.

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 Our Working Capital Loan?

Businesses can receive instant funds of up to ₹75 Lakh without providing collateral. Collateral-free
Loan
The application process is simple and requires minimal paperwork, only KYC documents, business proof, and income proof. Minimal
Documentation
All applicable charges are clearly disclosed upfront, ensuring complete transparency. No Hidden
Charges
The application process is simple and requires minimal paperwork, only KYC documents, business proof, and income proof. Minimal
Documentation
The loan comes with simple eligibility requirements, making it easier for businesses to qualify. Simple Eligibility
Criteria
Interest rates start at a competitive 15% p.a., helping reduce the overall cost of borrowing. Competitive
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:

Factor

Business Loan Requirements

Nationality

Indian Citizen

Age

Between 24 and 65 years

Business Vintage

Minimum 2 years of continuous operations

Annual Turnover

At least ₹6 Lakh

Poonawalla Fincorp provides Business Loans with minimal documentation, offering a hassle-free loan experience for borrowers. 

KYC Documents

  • Personal Documents – Proprietor’s/Partner’s/Director’s - PAN Card/Aadhaar Card/Driving License/Voter ID/Passport + proof of address (If not as per officially valid documents)

  • Business Documents - Business registration proof + Business address proof (if not as per business registration proof)

Business Documents

GST certificate, Udhyam Certificate and other business registered documents.

Financial Documents

Bank statement for the last 6 months.

Click to know more about documentation in detail.

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

Avail of our loan at competitive interest rates and nominal charges to support efficient business operations.

Factors

Charges

Interest Rate

15%* p.a.

Loan Amount

₹5 Lakh to ₹75 Lakh

Loan Processing Fees

Up to 3.5%

Lowest EMI Per Lakh

Starting from ₹13,915* per Lakh for 48 months

Loan Tenure

6 to 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 (state-wise)

Other 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 additional workforce
  • Paying staff salaries
  • Procuring raw materials
  • Purchasing machinery and equipment

Businesses often assess their cash flow statement, business turnover, and the overall company's financial health before opting for this loan to ensure timely repayment.

Our loan is suitable for MSMEs, sole proprietors, retail shop owners, women entrepreneurs, and small business owners seeking funds to manage daily operations.

  • 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.