Working Capital Loan ✔ Bajaj Finserv offers Loan for Working Capital, also known as Working Capital Finance ✔ Get Loan upto 30 Lakh within 24 Hours ✔ Nominal Interest Rates ✔ Minimum Documentation ✔ Collateral Free Loans ✔ Apply Now & Avail Exciting Offers

Working Capital Loan: Features and benefits

Working Capital loans are usually taken to finance the shorten term financial burden of the organization. Some unique benefits of taking a Working Capital Loan from Bajaj Finserv are:

  • Loans up to ₹ 30 lakh - Bajaj Finserv offers working capital loans of up to ₹ 30 lakh to help companies continue running their business without any financial roadblocks.
  • Unsecured Working Capital Loan - No need for a guarantor or any collateral to avail a Working Capital Loan from Bajaj Finserv. Transparent policies with no hidden clauses.
  • Line of Credit - A unique and innovative offering that allows you to manage your cash flows in a smarter and more effective manner.
    Benefits of a Line of Credit:
    • Pay interest-only as monthly installment as compared to a term loan.
    • Instant online facility to part prepay and withdraw (drawdown) through customer portal (Experia)
    • No limit on number of part pre-payments. No charges for part pre-payment
    • No charges for withdrawal (drawdown)
    • Flexibility to convert to term loan as per convenience
    • Bullet repayment option
    • No collateral/security required
  • Pre-approved offers - On a regular basis, we keep coming up with pre-approved working capital loan schemes which may include a top-up loan or discount in interest rates. We will keep you informed about the same.

Online access -On availing a loan for working capital from Bajaj Finserv, you will get online account access to all your loan related information.

Interest rate and Fees

We have an in-house business loan calculator to help you check your loan interest rate. The other charges are:

  • Processing fees - 2% of the loan amount will be deducted at the time of disbursal of approved loan amount
  • EMI bounce charges - Rs.1000 will be charged in the subsequent month for every bounce
  • Penal interest - 2.00% p.m. overdue charges will be levied basis 360 days per year
  • Foreclosure Charges - 4% plus applicable taxes on the current principal outstanding
  • Part prepayment charges - 2% plus applicable taxes on part payment amount paid.
    The part payment made should be more than 1 EMI. There are no part payment charges for flexi accounts.

Eligibility and documents required

The following entities are eligible for an unsecured working capital loan from Bajaj Finserv:

  1. Limited or Private Limited Company
  2. Partnership or Proprietorship Firm
  3. Chartered Accountant / Self Employed Professional

Here’s a list of the customer profiles that we consider:

  • Self Employed Professionals (SEP) - Allopathic doctors, chartered accountants, company secretaries and architects who are practicing their profession. Proof of qualification to be documented.
  • Self Employed Non Professionals (SENP) - Traders and manufacturers
  • Entities - Partnerships, Limited Liability Partnership, Private Limited and closely held Limited companies.
  • Other constitution types depending on their profile on a case to case basis.

Documents required

  • KYC Documents
  • Business Vintage of 3 Years
  • Business proof: Certificate of practice
  • Bank Account statement of last month

How to Apply

If you’re looking for some working capital to finance your business or for business expansion, apply now for a Working Capital Loan online with Bajaj Finserv.

Or simply SMS BL to 9773633633.

Line of credit facility

Business loan allows you to avail ‘line of credit’ facility, also known as ‘flexi line’. Line of Credit is a unique credit facility given to our loan applicants, wherein you are approved for certain limit of credit/ loan, for a said duration. The monthly instalment for Line of Credit will consist only of the interest amount and will not have a principal component on a monthly basis. The principal amount of loan is to be repaid at the end of the tenure of the facility. Hence, it acts as a big saving arm to your cash flows.

Benefits of Line of Credit

  • Your monthly instalment is only the interest amount charged for the month, unlike any other term loan.
  • Access all your loan related information or transactions online at our customer portal
  • You can opt to part- prepay your loan amount, anytime of the year, with no additional charges.
  • No additional cost levied on withdrawals/ drawdown
  • Convert your term loan into line of credit, anytime of the year
  • Bullet repayment option available at the end of the year.

As an existing customer of Bajaj Finserv, you will be eligible to get exclusive pre-approved offers from us. These offers may include a top-up loan or even reduction of rates from time to time.  

Online account access

Once you’ve availed a Business Loan from Bajaj Finserv, you can get all information about your loan like payment schedule, interest certificate, repayment track and key information related to your loans through our digital customer portal.

You can apply for a Business Loan or check out our Business Loan FAQs to know more.


Contact Us

For existing customers

Follow these simple steps to use our toll free IVR

  • Dial 020 3957 4151
  • Enter your 7-digit BFL Customer ID
  • Select from various IVR options
  • Access IVR in 10 languages : English, Hindi, Bengali, Marathi, Punjabi, Gujarati, Tamil, Telugu, Kannada and Malayalam


Write to us at [email protected] with your queries

SMS updates

SMS <<keyword below>> to +91 92275 64444
GETEMAIL for your current email address
UPDEMAIL <New email> to update your email address
GETADD for your current registered email address
CUSTID to know your customer ID
LAN to know your Loan Account Number
EMI LAN to know your loan/ EMI details
EXPERIA to know your Experia user ID and password
PIN to know your 4 digit EMI card PIN
FEEDBACK to give your valuable feedback
SAT Y Give a positive feedback
SAT N to give a negative feedback
(Your mobile number should be registered with us for this facility). Standard SMS Charges applicable

Visit our branch to:

  • Change mode of payment (Swapping)
  • Purchase / cancel an Insurance Policy
  • Foreclose your loan
  • Claim a refund

To know the address of your nearest branch click here

Follow these simple steps to log on to our Customer Portal (Experia)

  • Visit
  • Log in using your username / mobile number / email id and password
  • Access all loan details
  • Manage your loans
  • View special offers