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Working Capital Loan

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Working Capital Loan by Mahindra Finance

Working capital and operating liquidity are the two main components for your business which will help you on the path to success. The ideal product for recurring working capital requirement, it comes with the flexibility of meeting seasonal demands of higher inventory.

  • Features & Benefits
  • Eligibility & Documentation
  • FAQs
  • Tenure of up to 36 months on working capital loans
  • Annually reviewed
  • Cycles of 30-60 days
  • Working capital loan tranche payable after the cycle time


SME loans are offered to companies/partnership firms in select sectors like automobiles, auto-ancillary and food and agri-processing.

  • The company/firm must be in business for at least 3 years with profit in the last audited financial year
  • Greenfield projects can be considered only from established players in that business
  • Dealer inventory funding loans can be considered for established dealers of reputed automobile OEMs

Documents required:

  • Company profile including existing product range
  • Promoter profile including KYC details
  • Purpose of the working capital loan
  • Security offered
  • Audited balance sheets of the last 3 years

The credit officer might require additional documents during the credit evaluation.

To apply, just email us at and we will get back to you.


Working Capital Loans

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How do I approach Mahindra Finance for a working capital loan?

You may reach us at 022-6632-7940. You may also email your queries at

How much working capital finance can I avail of? How is the quantum decided?

The working capital loan quantum is decided based on your requirement, credit assessment and repayment capacity. However, it is limited to Rs. 25 crore.

What is the maturity for each cycle/ tranche?

The maturity for the tranches is decided based on business requirements and cash generation cycles. It is limited up to a maximum of 60 days.

What can be accepted as security to avail working capital financing from Mahindra Finance?

We accept a wide range of securities along with working capital financing. The spectrum includes land & real estate property; plant & machinery, equipment; Fixed Deposits, Deposit Certificates, KVP, NSC, securities issued by Central and State Governments, gold and other cash equivalents; life insurance policies; and others.

How long will it take to get the working capital finance?

The working capital finance will be processed within 10 working days provided everything is in order.

How do I repay my working capital loan?

Each cycle/ tranche needs to be repaid at its maturity. PDCs, ECS mandate or Electronic Transfers are all accepted means of payment.

Can I prepay the working capital loan?

Yes, you can prepay any tranche of the working capital loan. There are no foreclosure charges

Enter the details to calculate how much you need to pay every month towards your loan repayment.







Disclaimer: The figures provided are only indicative. For exact details kindly contact your nearest Branch.

© 2018 Mahindra Finance

CIN - L65921MH1991PLC059642

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