Business Loan offerings by Piramal Capital & Housing Finance Ltd. (Piramal Finance)
Key Features
Loan Amount

₹ 25 lakhs

Loan Tenure Up To

15 Years

Interest Rates Starting At

12.50% p.a

For detailed fees and charges Click here *T&C apply

Who can apply?

The eligibility criteria mainly depends on your employment. Calculate the EMI & check your eligibility.

Calculate EMI & Check eligibility
  • EMI Calculator
  • Eligibility Calculator
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Principal amount
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Documents Required
For a Working Capital Secured Business Loan we require certain documents based on profession / occupation of applicant.
KYC Documents
Proof of Identity & Address
Income Documents
Proof of Income
Passport Size photographs

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Our Happy Customers

We are in the business of financial planning but the day I finalized my property, I needed to get a business loan. I found Piramal Finance to be the best option. They catered to all the requirements of their customers and helped me at every single step along the way.

Nirmal Dand
Financial Planner

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Perks Of Working Capital Secured Business Loan
Short Loan Tenure
The typical repayment period for any working capital loan ranges between 9-12 months. Thus, it makes the loan tenure to be relatively short.

You won’t have to worry about long-term EMIs when seeking this type of loan. If you’re a new business, we will be happy to provide you with a short-term loan at an attractive interest rate.
Assists In Lean Periods
Do you run a seasonal business? If so, you may encounter high sales during the peak season only.

But when it comes down to the annual revenue, you will face many difficulties, risks, and problems. In that case, our working capital loan will come in handy.

Risk Gradation

All 'Borrower/s' on the loan facility are hereby informed that the company has the following approach and considers the following factors for assessing the gradation of risks for each Borrower:

  • Profile, the market reputation of the borrower including usage of internal credit scoring models leveraging traditional approaches like Bureau performance as well as alternative data sources,
  • Inherent nature of the product, type/nature of the facility, refinance avenues, whether the loan is eligible for bank financing, loan to value of asset financed,
  • Tenure of relationship with the borrower, past repayment track record, and historical performance of our similar clients,
  • Overall customer yield, future potential, repayment capacity based on cash flows and other financial commitments of the borrower,
  • Nature and value of primary and secondary collateral/security,
  • Type of asset being financed, end use of the loan represented by the underlying asset,
  • Interest, default risk in the related business segment,
  • Regulatory stipulations, if applicable, and
  • Any other factors that may be relevant in a particular case
  • Tenure, quantum, repayment schedule, and structure (including proposed moratorium, if any) of the proposed loan

The rate of interest for the same tenor for different clients can be different depending upon the combination of one or more factors listed above.

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Frequently Asked Questions
What is the tenure of a working capital loan?
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Can you opt for working capital loan online?
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Is the repayment record of the borrower necessary for grading the risk of working capital business loan?
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Who benefits the most from working capital loan?
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Why you need a working capital loan?
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How to apply for our working capital secured business loan?
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