MSME Finance
MSME Working Capital Limit Estimator
Know your indicative CC/OD limit before you walk into a bank. Serving businesses across Ahmedabad, Kadi, Kalol, Sanand and Changodar — the heart of Gujarat's MSME belt.
Indicative Working Capital Limit
*Based on standard banking norms. Actual sanction depends on ITR, banking history, CIBIL and collateral. CGTMSE cover available for qualifying MSMEs.
Facility Split
Frequently Asked Questions
A Cash Credit (CC) or Overdraft (OD) is revolving — draw and repay as needed, paying interest only on the outstanding balance. A working capital term loan is disbursed in full with fixed EMIs. Banks typically structure working capital as 70% CC and 30% term loan.
For trading businesses (20% of turnover), you need annual turnover of approximately ₹2.5 Cr. For manufacturing (25%), approximately ₹2 Cr. These are indicative — actual eligibility also depends on net profit, banking history, and CIBIL.
Yes significantly. Udyam registration qualifies your business for CGTMSE cover, which enables collateral-free loans up to ₹2 Cr. It also prioritizes your application under Priority Sector Lending and can get you lower interest rates.
Unsecured MSME rates range from 14–24% p.a. Banks with CGTMSE cover offer 12–16%. With collateral (property or FDs), rates can come down to 10–13% p.a. Manufacturing units in designated zones (Sanand, Changodar) may get additional subsidies.