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Working Capital Loans
A Working Capital Loan is designed to support your business’s day-to-day financial needs, ensuring smooth operations even during periods of fluctuating revenue. Whether covering wages, managing accounts payable, or maintaining inventory, Axis Bank’s Working Capital Loans offer flexible financing to help you meet short-term obligations without disrupting your business flow. With customised loan amounts, flexible tenures, and competitive interest rates, you can maintain liquidity and focus on growing your business.
Types of Working Capital Loans by Axis Bank
Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE)
The CGTMSE scheme helps MSEs access hassle‑free, collateral‑free Working Capital and Term Loan facilities, backed by a government guarantee.
Unsecured Dropline Overdraft – Banking Surrogate
Unsecured Dropline overdraft facility based on the banking conduct of the customer.
Secured Dropline Overdraft – Banking Surrogate
Secured Dropline Overdraft variant for a collateral-backed lending product designed based on the customers' banking behavior
Cash Credit & Overdraft
One stop cash flow support for all your working capital requirements for MSME customers.
GST-based Overdraft
Simplified and easy Overdraft based on GST Returns available for MSME customers.
Secured Quick Overdraft
Overdraft Facility for MSMEs to support your ongoing operational expenses and cash flow requirements.
Quick Overdraft
Collateral free dropline overdraft based on banking conduct and financials for MSME customers.
Unsecured Dropline Overdraft
MSME Collateral free Dropline Overdraft facility for doctors and CA professionals.
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