Working Capital Finance

HDFC Bank offers Cash Credit / Overdraft facilities to various segments of customers for their working capital requirements. This is a fund based facility to help fund business inventory (raw materials and finished goods) and receivables (debtors).

We offer import financing through Letters of Credit, which are well accepted globally and supported by a strong trade finance set up. We are direct members of SWIFT and have correspondent banking arrangements with more than 450 banks worldwide. We also structure complex Letters of Credit.

For more details write to BBWC-ProductGroup@in.hdfcbank.com

Bank Guarantees are necessary for certain business obligations. At HDFC Bank, we issue Bank Guarantees on your behalf under any business contract. It is our way of helping you fulfil your business requirements.

We have dedicated Trade Finance desks spread throughout the country providing you with the best services that add value to your business. Contact your Relationship Manager or just walk into any of our branches for these services.

We also offer Buyers Credit Facility to our customers.

We can help you structure low cost credit programmes and cash flow financing to meet your specific short term cash requirements. Loans are structured to enhance your profitability by scheduling repayments to match your cash flow available to repay your debts.

For more details, write to us at BBWC-ProductGroup@in.hdfcbank.com

Packing Credit is offered to exporters to help them finance the purchase and import of raw materials, and the processing and packing of the goods meant for export.

Post Shipment Credit is offered to exporters to help them finance export sales receivables, after the date of shipment of goods till the date of realisation of export proceeds.

We offer various services:

• Negotiations/ payments/ acceptance of export documents under Letters of Credit.
• Purchase/ discount of export documents under Confirmed Orders/Export Contracts, etc.
• Advances against export bills sent on a collection basis.
• Advances against exports sent on a consignment basis.
• Advances against undrawn balance on exports.
• Advances against approved deemed exports.

To meet your export financing needs, we offer customised packing /post shipment credit in Indian Rupee terms or foreign currency, tailor-made to match your profile.

For more details write to BBWC-ProductGroup@in.hdfcbank.com

We have a dedicated trade finance set up that combines the understanding of your needs with a nationwide network of branches and correspondent banks to offer you Bill Discounting. This is a customized service to suit your requirements for short term finance, from the date of sale to the date of receipt of the payment.

For more details, write into us at BBWC-ProductGroup@in.hdfcbank.com.

We understand the biggest challenge for you, as a finance manager, is to manage your cash flow. With this in mind, we offer financial solutions to bridge cash flow mismatches. We also understand specific cash flow streams and cash accruing assets and can tailor products around these cash flows to meet your financial requirements.

For more details, write into us at BBWC-ProductGroup@in.hdfcbank.com.

Use your Warehouse Receipt Loans facility to realize better prices for your agricultural produce and avoid distress sales. This facility is simple to apply for with minimal documentation and quick disbursementDisbursement of loan means the delivery of the loan funds by the bank to the applicant of the loan..

Features and Benefits

• Loans from Rs. 1 Lakh onwards, depending on your needs
• Loan against a wide range of commodities
• Funding extended against commodities stocked in a range of different warehouses /godowns
• Attractive interest rates
• Quick loan approval process
• Customer Privileges – Existing asset relationship customers can avail of a special Top-Up loan facility.
• Stock Insurance Cover - We also offer a Stock Insurance facility for stocked commodities

Eligibility and Documentation

Pre-approved Documents

Address Proof**

Photo Id/Signature Proof**

Authorization

Banking facility

** Not required for existing customers of the Bank (A/c number may be quoted)