Daily Operational Finance
Working Capital Finance in Gujarat — CC, OD and Cash Credit Limits
Maintain seamless daily cash flow. We arrange flexible Overdraft (OD), Cash Credit (CC), and Invoice Discounting limits against your inventory, receivables, or property across Gujarat's industrial hubs.
Apply for Working CapitalSmart Revolving Credit
We arrange CC/OD limits for businesses operating across Gujarat's commercial and industrial hubs — retail traders on SG Highway, CG Road, and Ashram Road in Ahmedabad; manufacturers in Vatva, Sanand, and Changodar GIDC; pharma and chemical units in Kadi-Kalol; and service businesses in Gandhinagar's corporate zone.
Pay Interest on Utilization Only
Unlike term loans, OD limits only charge interest on the exact amount of funds you withdraw, calculated daily, minimizing your cost of capital.
Cash Credit Against Inventory
Leverage your raw materials and finished stock. We help manufacturers secure CC limits based on monthly stock declarations.
Invoice Discounting
Don't wait 90 days for payments. Liquidate your verified B2B receivables instantly to keep your supply chain moving.
Eligibility Criteria
- TurnoverMinimum ₹20 Lakhs gross annual turnover.
- VintageMinimum 3-year business vintage. 3-years ITR preferred, but alternative GST and Banking Surrogate programs are available for profiles without standard tax returns.
- CIBIL6multiple required for our alternative NBFC partners. 7multiple for prime bank limits.
Financial Planning
OD Interest Calculator
Calculate your monthly interest cost based on how much of your limit you actually utilize.
Estimated Monthly Interest
Limit Utilisation
Working Capital Insights
Overdraft & Cash Credit FAQs
An Overdraft is generally provided against property or fixed deposits. A Cash Credit limit is usually provided against business inventory and receivables. Both are revolving limits where you only pay interest on the amount utilized.
Interest is calculated daily based on the end-of-day outstanding balance. If you withdraw ₹1 Lakh for 5 days and deposit it back, you only pay interest for those 5 days.
Standard banking norms sanction 20–25% of annual turnover as working capital for trading businesses. Manufacturing units get 25–30%. Service businesses are assessed at 15–20%. Use our MSME Working Capital Limit Estimator for a quick estimate based on your actual turnover and profit margin.
Options range from collateral-free (under CGTMSE for eligible MSMEs up to ₹10 Cr) to inventory or receivables-backed (book debt limits against debtors' invoices) to property-secured (CC limit against a residential or commercial mortgage). The right structure depends on your business type and bank relationship.
Yes. Several NBFCs and some banks offer flexible drawing periods aligned to seasonal revenue cycles. Interest is charged only on actual daily utilisation, making OD limits particularly efficient for businesses with strong seasonal cash flows such as textile traders, agriculture-linked processors, and festive-season retailers.
For existing banking relationships with the proposed lender, typically 7–10 working days after complete document submission. For new lender relationships involving a property mortgage, 15–21 working days including physical valuation. We track your file daily and resolve documentation gaps to avoid delays.
Cash Credit (CC) is secured against stock and book debts; it is specifically for trading and manufacturing businesses. An Overdraft (OD) is typically secured against property or FDs and can be used by any business. Both are revolving facilities where you pay interest only on daily utilisation.
Standard banking norms sanction 20-25% of annual turnover as working capital for trading businesses, 25-30% for manufacturing, and 15-20% for service businesses. Use our MSME Working Capital Calculator for a quick estimate.
Yes, under CGTMSE for Udyam-registered MSMEs, collateral-free working capital limits are available up to ₹10 crore. The government credit guarantee replaces the need for property as collateral.
Ready to optimize your daily cash flow?
Speak with our working capital experts today to discover your maximum Overdraft or Cash Credit limit.