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    Working Capital Loans

    Need working capital loan instantly? Invest money in your business quickly with a personal laon from Airtel Finance. Your loan gets processed in an instant and get credit approval within just 24 hours! The lowest interest rates, multiple loan lenders, flexible repayment schemes and more, only with Airtel Finance. Download the Thanks app to apply today!

    Benefits of Working Capital Loan

    Get a loan on your terms. Choose from Working Capital EMI and tenure options.

    100% digital process

    Submit all your details and documents online.

    Instant Loan approval

    Get your Loan application approved!!

    Flexible EMIs and tenure

    Choose the loan tenure and EMI amount as per your need.

    Steps to apply and get a Personal Loan for Working Capital

    Follow the simple steps mentioned below

    Open Airtel Thanks App

    Find Shop > Airtel Finance

    Select Working Capital Credit

    Fill in your basic details

    Get best offer

    Basis profile verification

    Complete the KYC

    Link your bank account

    Working Capital Loan EMI Calculator

    Use the EMI calculator to find out how you can repay the working capital loan:

    Personal loan amount
    Enter the loan amount

     ₹

    Tenure plan
    Choose your tenure plan

    Mo

    Rate of interest
    Adjust your interest rate

    %


    0

    Principal

     

    Interest

     

    Features of Working Capital Loan

    With Airtel Finance, you get the below features:

    Personal loan amount

    ₹10,000 to ₹9,00,000

    Interest rates

    Starting from 11.5% p.a.

    Personal loan tenure

    03 to 60 months

    Credit disbursal

    Within 24 hours

    100% online

    No paperwork

    Low processing fee

    2% to 4% + GST

    Why choose Airtel for a Working Capital Loan?

    Choose Airtel Finance for all your loan requirements due to flexible terms, quick approvals, competitive interest rates, and tailored solutions that help efficiently support and grow your business. Download the Airtel Thanks app to apply!

    Working Capital Loan Eligibility Criteria

    One must be between the age group of 21 and 65 to be eligible for a loan.

    Employment type

    Personal loans from Airtel Finance are available for salaried and self-employed individuals

    Monthly income criteria

    Anyone with a monthly income of ₹13,500 or more can apply

    Loan limit

    If you are looking for a loan between ₹10,000 and ₹9,00,000, then Airtel Finance is perfect for you!

    Other related pages that you might be interested in

    Personal Loan Instant Personal Loan
    Personal Loan EMI Calculator Personal Loan Interest Rates
    Personal Loan Application Personal Loan Eligibility

    Working Capital Loan- FAQs

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    How to avail of a Working Capital Loan?

    To avail of a working capital loan, start by assessing your business’ financial needs and determining the amount required. Research about the various lenders, including banks, NBFCs, and online lenders, to find the one that offers favourable terms. Gather all necessary documents, such as financial statements, tax returns, and business licenses.

    Submit your application through the lender’s specified process, either online or in person. Once submitted, the lender will review your application and conduct a credit check. If approved, the funds will be disbursed to your business account, often within a few days, providing the necessary capital to support your operations.

     

    Eligibility Criteria to Get a Working Capital Loan 


    Eligibility criteria for a working capital loan vary by lender, but generally include several common requirements. Typically, businesses need to have been operational for at least 1-2 years to demonstrate stability. A good credit score is essential, as it indicates the business’ creditworthiness. Lenders often require a minimum annual turnover, which can vary depending on the loan amount and the lender’s policies. Consistent revenue streams and profitability are also critical factors. 

    Interest Rate for a Working Capital Loan 


    Interest rates for working capital loans vary based on several factors, including the lender, the borrower’s creditworthiness, and the type of loan. Typically, interest rates range from 8% to 25% annually. But with Airtel Finance, your interest rates on a personal loan start from just 11.5%!

    How to calculate the EMI for a Working Capital Loan? 


    Use an online EMI calculator to simplify the process of calculating the EMI for a working capital loan. This helps businesses plan their finances and ensure they can meet repayment obligations.

    The following formula is used mathematically to give you the correct output: Typically computed using the formula: EMI = [P x R x (1+R)^N] / [(1+R)^N-1], where P is the principal amount, R is the monthly interest rate, and N is the number of monthly installments.

    What is the procedure to apply for a Working Capital Loan? 


    To apply for a working capital loan from Airtel Finance, follow these steps:

    • Download the Airtel Thanks app on your mobile device.

    • Register yourself on the app using the required details.

    • Navigate to the financial services section within the app.

    • Locate the option to apply for a personal loan and click on it.

    • Enter your personal information, PAN card details, and employment information as requested.

    • Complete the KYC (Know Your Customer) process by submitting the necessary documents.

    • Once the verification process is completed, you will receive the loan amount in a few minutes.


     

    Best Features and Benefits of Working Capital Loans 

    Working capital loans offer several features and benefits that support business operations. 

    • These loans provide immediate access to funds, helping businesses manage daily expenses and cash flow gaps. 

    • They are often unsecured, meaning no collateral is required, reducing risk for the borrower. 

    • Flexible repayment terms, ranging from a few months to a few years, allow businesses to choose a schedule that fits their cash flow. 

    • Competitive interest rates make these loans affordable. 

    • Additionally, quick approval and disbursement processes ensure that businesses can access the capital they need without long waiting periods, enabling timely financial management.


     

    List of Documents Required for a Working Capital Loan 

    Applying for a working capital loan typically requires several key documents. These include financial statements such as profit and loss statements and balance sheets, which provide insights into the business’ financial health. Recent tax returns are necessary to verify income and profitability. Business licenses and registration certificates confirm the legal operation of the business. Bank statements from the past 6-12 months demonstrate cash flow and transaction history. A detailed business plan outlining the use of funds and repayment strategy may also be required. Additional documents might include identity proof and address proof of the business owner(s).

    What are the Fees and Charges for a Working Capital Loan? 

    Working capital loans may include various fees and charges in addition to the interest rate. Common fees include processing fees, typically a percentage of the loan amount, charged at the time of disbursement. Some lenders may impose prepayment penalties if the loan is paid off early. Late payment fees are charged if EMI payments are delayed. There may also be administrative fees for managing the loan account.

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