What is the maximum loan amount under Working Capital CC/OD?

Under Working Capital CC/OD, the maximum loan amount is ₹100 lakh. Indicative interest rate is 11.5% per annum. Tenure up to 1 years. Eligibility depends on business turnover, GST filing history, and CIBIL score.

What documents are required for Working Capital CC/OD?

Typically required documents: GST registration certificate, last 2 years ITR, last 6 months bank statements, business proof (Udyam registration for MSME), PAN & Aadhaar, balance sheet / P&L, and collateral documents (if applicable).

How is MSME loan interest calculated?

MSME loan interest is calculated monthly on reducing balance. EMI = P × r × (1+r)^n / [(1+r)^n − 1] where P = loan principal, r = monthly rate, n = months. At 11.5%, EMI on ₹100 lakh for 1 years = ₹8,86,151/month.

MSME BUSINESS LOAN · WORKING CAPITAL CC OD

Working Capital CC/OD — EMI & Eligibility Calculator

Calculate EMI, total interest, and eligibility for Working Capital CC/OD up to ₹100 lakh at 11.5% indicative rate. Includes CGTMSE fee structure and repayment schedule.

✓ Up to ₹100L ✓ Rate ~11.5% ✓ Tenure 1 Yrs

Loan Amount (₹)

Maximum: ₹100 lakh under Working Capital CC/OD

Interest Rate (% p.a.)

Loan Tenure (Years)

Annual Business Turnover (₹ Lakh) — for eligibility

Working Capital CC/OD Summary

Monthly EMI

—

Total Interest

—

Total Repayment

—

Particulars	Value
Loan Amount	—
Interest Rate	—
Tenure	—
Monthly EMI	—
Total Interest	—
Total Cost of Loan	—
Eligibility Estimate
Business Turnover	—
Typical FOIR (EMI/Income) ≤ 50%	—
Eligibility	—

ClicZeo

Need this run, not just calculated?

ClicZeo builds the marketing, the tools and the systems a business like this runs on.

Talk to ClicZeo →

Frequently Asked Questions

Key eligibility criteria: (a) Valid MSME / Udyam registration, (b) GST registration and regular filing, (c) Business vintage of at least 2–3 years, (d) CIBIL score ≥ 700 preferred, (e) No existing NPA with any bank, (f) Annual turnover as per ITR. Individual lenders may have additional criteria.

Working Capital CC/OD is typically secured against current assets (stock, debtors). Hypothecation of stock and book debts is the usual collateral for CC/OD facilities.

Apply through any Scheduled Commercial Bank, RRB (Regional Rural Bank), or NBFC that is a member lender under the respective scheme. For MUDRA loans, you can also apply via the Udyamimitra portal (udyamimitra.in). PSU banks like SBI, Bank of Baroda, and PNB are major lenders under these schemes.