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  • As per amendment in the Income Tax Rules, PAN or Aadhaar are to be mandatorily quoted for cash deposit or withdrawal aggregating to Rupees twenty lakhs or more in a FY. Please update your PAN or Aadhaar. Kindly reach out to the Bank’s contact center on 1800 10 888 or visit the nearest IDFC FIRST Bank branch for further queries.

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Working Capital Loan

Making business easy with our quick and convenient working capital solutions. Be it for growth, new business opportunity, liquidity, cash flow management, capital expansion projects or forex and trade requirementsRead More

Apply for working capital loans to manage day-to-day business functioning in a hassle-free way. Read Less

Benefits of Working Capital Loan

Wide range of product

Wide range of product such as Overdraft, Cash Credit, Term Loan, Bank Guarantee, Letter of Credit and other Trade Products

Working Capital Loans

Working Capital Loans backed by property for MSME, Manufacturers, Traders and Start-ups.

Free and unlimited ATM withdrawals

Complete banking product suite available for MSME customers – Current Account, Overdraft Account, Trade, FX, Payment Collection Solution

Dedicated relationship manager

Dedicated Relationship manager for all banking requirements and exclusive Branch

Transperant

Transparent
charge structure

Fund Based And Non-Fund Based Facility

Fund Based and Non-Fund Based Facility

  • Assessment based on business turnover
  • Competitive working capital loan interest rate
  • Flexible collateral terms
  • Expert advisory on working capital loan
Gold Card Scheme For Exporters

Gold Card Scheme for Exporters

  • For disposal of fresh applications: 25 days
  • Renewal of limits: 15 days
  • Sanction of ad hoc limits: 07 days
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Documentation

Sr. No

Documentation Required

1

Duly filled Application form

2

KYC of business entity, promoters, guarantors and security providers

3

GST returns and latest bank statements for 12m

4

Property/Collateral Documents

5

3 years audited financial documents (wherever applicable)

6

This list is only indicative and is not an exhaustive list of documents. Additional documents might be required on a case-to-case basis.

*Relationship Manager will share a detailed checklist with the customer

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