Best Working Capital Loans in India — March 2026
3 offers from 17+ lenders. Updated today.
Sort by:
3 results
Stat
State Bank of India
★
4.5
(4,560)
Interest Rate
10.5% - 14.5%
Loan Amount
₹100K — ₹500L
Tenure
12 — 36 months
Processing Fee
0.50%
CC/OD facility
Low rates
Government schemes
156 applied today
HDFC
HDFC Bank
★
4.4
(2,890)
Interest Rate
13.5% - 20.0%
Loan Amount
₹200K — ₹100L
Tenure
6 — 36 months
Processing Fee
2.00%
Overdraft facility
Cash credit
Invoice financing
98 applied today
ICIC
ICICI Bank
★
4.3
(3,120)
Interest Rate
12.0% - 18.0%
Loan Amount
₹500K — ₹250L
Tenure
6 — 36 months
Processing Fee
1.50%
Invoice discounting
Channel financing
Dealer financing
112 applied today
Everything You Need to Know About Working Capital Loans
Compare the best working capital loans from top Indian banks and NBFCs. JaldiMoney helps you find the lowest rates, check your eligibility, and apply online — all in one place.
Use the filters above to narrow down offers based on your requirements. Check your free credit score first for the most accurate rate estimates.
Frequently Asked Questions
What is the minimum credit score for a working capital loan?
Most lenders require a minimum credit score of 650-700 for working capital loans. However, some NBFCs and fintechs may approve loans with scores as low as 600, albeit at higher interest rates. Check your free credit score on JaldiMoney to know where you stand.
How long does approval take?
Many lenders now offer instant or same-day approval for pre-approved customers. For new applications, approval typically takes 1-7 days depending on the lender and loan type.
Does comparing on JaldiMoney affect my credit score?
No. Comparing offers on JaldiMoney does not trigger a hard inquiry on your credit report. Your score is only affected when you formally apply with a specific lender.