Working Capital Finance

We understand the challenges and complexities you face while managing cash flows on a daily basis. With our Cash Credit and Overdraft solutions, we help you maximize your business potential and opportunities.
Everyday benefits?
Whatever your short-term finance needs, it’s easy to take control of your cash flow with our Working Capital Loans. That way, you can always be sure that the extra money is there when you need it.
Highlights and Features:
With flexible repayment options to suit your needs, our long-term working capital ensures that business operations run smoothly. Protecting your company from interest rate risks is now simpler than you think.
Highlights and Features:
We understand how important it is to optimize your supply chain as your business grows larger. Hence, we offer a complete range of products that can be customized according to your needs.
Everyday Benefits?
Documentation charges/Legal & Technical Fees | Up to INR 20,000/- (plus taxes as applicable) per instance/per property |
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Penal/Default/Overdue charges/Audit shortfall | Up to 3% p.m. (plus taxes as applicable) compounded monthly, on outstanding/unpaid amount |
Stock Audit charges | Borne by customer on actual basis |
Solvency Certificate | Up to 0.10% per Lac with minimum Rs. 1000/- (plus taxes as applicable) and maximum of Rs. 10,000/- (plus taxes as applicable) per Solvency certificate |
Minimum churning/Tangible Base Capital/Charges for Non Compliance with Sanction terms and conditions* | Up to 3% p.m. (plus taxes as applicable) on outstanding/unpaid amount |
TOD charges | Set-up charges - Up to INR 20,000/- (plus taxes as applicable) per instance, Rate of Interest - up to 2% p.m. (plus taxes as applicable) compounded monthly on TOD amount |
Ad-hoc charges | Set-up charges - Up to Rs. 10,000/- (plus taxes as applicable) per instance, Rate of Interest - up to 2% over and above the contracted ROI (plus taxes as applicable) on Adhoc amount |
End-use Certificate delays | Up to INR 5,000/- p.m. (plus taxes as applicable) until the certificate is submitted |
Net Worth statements delays | Up to INR 10,000/- p.m. (plus taxes as applicable) until it is submitted |
Foreclosure Charges/Prepayment Charges (as per borrowers request) | Up to 3% of sanction amount or Outstanding, whichever is higher (plus taxes as applicable) |
Termination/Closure charges for revolving facilities (as per borrowers request) | Up to 3% of Outstanding amount (plus taxes as applicable) for Term Loan (non-revolving) limits; |
Up to 3% of sanction amount or Outstanding, whichever is higher (plus taxes as applicable) for Non-Term Loan (revolving) limits; | |
Commitment Charges for non-utilization of limits | Up to 2% of limits, if utilization of limits for the quarter is below 60% |
Limit Extension/Overdue Renewal Charges | Rate of Interest - up to 2% over and above the contracted ROI (plus taxes as applicable) for Overdue Renewals beyond 30 days; |
Up to 3% p.m. (plus taxes as applicable) on outstanding/unpaid amount, in case of exit beyond renewal/review due date without renewal | |
Creation of Bank charge on collateral in various mandated databases, such as CERSAI, ROC etc. | Up to higher of INR 5000/- per instance or on actuals (plus taxes as applicable) |
Change in collateral/modification | Up to 0.25% of sanction amount (plus taxes as applicable) |
Certificates on Borrower Request (acceptable for issuance to Bank) | Up to INR 10,000/- (plus taxes as applicable) per instance |
Subsidy Application Charges | Up to INR 5,000/- (plus taxes as applicable) per instance |
Subsidy Processing/Administration Charges | Up to INR 50,000/- (plus taxes as applicable) per instance |
Collateral Swap Charges | Up to INR 50,000/- (plus taxes as applicable) per instance |
*In case of regular non-compliance with Sanction Terms, Bank reserves the right to drop the limit |
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Get in touch with our team of experts to help create
a tailor-made service for you.
Corporate Contact Number
1800 209 2011
Email Us
corporateservicedesk@kotak.com
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