Working Capital Finance

Trade | Working Capital Finance

SMS MAGNUS to 561615

SMS MAGNUS to 561615

Every business big or small requires access to working capital. Working capital helps businesses meet their cashflow requirements and plan for growth and expansion.

Depending on your specific requirements, we offer you services like Overdraft, Bill Discounting, Buyer’s Credit, Letter of Credit, Bank Guarantee, Forward Contracts or Forex Options.

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Acceptable Securities

  • Fixed Deposit: Fixed deposits placed with us can be offered as security to avail of facilities at attractive rate of interest; Maximum funding upto 90% of the fixed deposit amount.
  • Property: Residential or commercial property can be offered as collateral for funding your business needs; Maximum funding upto 100% value of residential property and 80% value of commercial property.
  • Mutual Fund Investments: Let your investments fund your dreams. You can avail of both, funded and non-funded facilities against your investments made in acceptable mutual fund schemes. Maximum funding upto 80% of the current market value.
  • Life Insurance Policies: You can also avail of facilities for your business against the premium paid on your or your family members' life insurance policies. Maximum funding upto 90% of surrender value.
  • Current Asset Hypothecation: Primary security shall be taken in the form of current assets (stocks and debtors) hypothecation, whenever the additional security is other than fixed deposits.

Documents Required

  • Application form
  • Audited financials - For last 3 years
  • IT returns - For last 3 years
  • Bank statement - For last 6 months
  • Shareholding pattern
  • Copy of sanction letter from current banker for existing facilities
  • KYC documents of promoters / Key directors / Proprietor / Partners. Click here for acceptable documents
  • Copy of security documents
  • Any other document as may be required from time to time

*RFR stands for Risk Free Rates which is the currency wise alternative benchmark rates implemented post cessation of LIBOR benchmark (Term SOFR for USD currency, TORF for JPY currency, EURIBOR for EUR currency, Term SONIA reference rate (TSRR for GBP currency etc)

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SMS MAGNUS to 561615

Call 18602666601#

#Customers outside India need to dial +91 22 6601 6601.
 Customers in Mumbai can also call at +91 22 6601 6601. Call charges apply.