Working Capital Loans
| Type of Loan | Special Loan |
| Scheme Name | Working Capital Term Loan (WCTL), including SWS, for units in both the manufacturing and service sectors. |
| Purpose | To provide a working capital term loan. |
| Eligibility Criteria | • All new and existing units in manufacturing and service sectors (excluding CRE) are eligible. • Dealings with respective banks should be prompt. • Existing units must show a net profit (verified via the last 3 years of audited Balance Sheets and P&L Accounts). • 3 years of existence is not mandatory for recently started units. |
| Upper Loan Limit | Up to Rs 5 crore. |
| Internal Credit Rating | Minimum 40% rating required. |
| Promoter’s Contribution | Minimum of 25%. |
| Moratorium Period | Up to 12 months. |
| Repayment Period | 72 monthly installments (including the moratorium period). |