HDFC Bank offers Working Capital Solutions for Agri Traders, Arathiyas, Food processing firms, Agri Exporters etc., which is a tailor made product to suit their business requirement and providing them with the credit with anytime, anywhere banking!


  1. Secured Loans depending upon your needs and eligibility.
  2. Facility Type - Working capital (Both Fund & Non Fund Based – Cash Credit, Overdraft (ODAP), Term Loan, Working Capital Demand Loan, EPC, Bank Guarantee & Letter of credit, etc.)
  3. Funding to Individuals, Sole Proprietorship Firms, Partnership Firms, Pvt. Ltd. Companies, Limited Companies, etc.
  4. Acceptable Collateral - Residential / Commercial/ Industrial Property/Cash & Liquid Collateral.
  5. Tenor -12 months with annual renewal.
  6. Attractive Interest Rates.
  7. Convenient facilities like Net Banking, Mobile Banking and Phone Banking.
  8. Multi Location Banking.

Target Market / Customers

Arathiyas / Commission Agents of Agri Commodities, Fertilizer Dealers, Pesticide Dealers / Distributors / Large Traders dealing in Agri Commodities (Wholesalers / Retailers) Food Processors / Agri Commodity Processors / Agri Input Manufacturers /Agri Exporters / Farmer Producers / Other Allied activities.

Triple benefits

when you take a Loan from HDFC Bank:

  • Faster loan - Our loan sanction and disbursal is one of the quickest with easy documentation and doorstep service.
  • Competitive pricing – Our loan rates and charges are very attractive.
  • Transparency – Complete clarity on loan process and no hidden charges. Update on status of loan application at each stage.


  • Business vintage : 5 Years (min 3 years at the same location)
  • Tangible net-worth & profit after tax: Positive for at least 2 out of 3 financial years
  • Account behavior : This will be judged basis cheque returns, over-drawings, utilization of limits, churning and interest servicing, etc.

Basic Documentation

  1. Application form &KYC Documents (including Partnership Deed/ MOA & AOA/COI)
  2. Property & Income Related Documents (including Aud. Balance Sheet , ITR for last 3 years)
  3. Bank Statement for latest last 6 months.
  4. Stock & Receivables statement.
  5. Business Registration Proof &Repayment track record of any existing loan.
  6. Project reports in case of Term Loans.
  7. Last 6 months stock, debtors and creditors values on letter head.

Address Proof*: Voter ID card/ Electricity Bill/ Telephone Bill/ Bank Passbook/ Passport/ Ration Card/ Aadhar Card.

Photo Id/Signature Proof*: PAN Card/Voter ID/Bank Passbook/Driving Licence.

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

All documents should be self-attested by applicant/borrower.

Interest Rate, Charges & Fees:

Type of Charge


Processing Fees

Minimum of 1% of the limit amount sanctioned plus applicable taxes.

Renewal Fees

Renewal cases without enhancement - Minimum of 0.50% of the limit amount renewed plus applicable taxes.

Renewal cases with enhancement - Minimum of 0.50% of the limit amount renewed and minimum of 1% of the enhanced amount sanctioned plus applicable taxes.

Additional Interest

Charged @ 18.00% p.a. for Overdue / delay / default of any monies payable

Commitment Charges

Average Utilisation> 60% - Nil charges

Average utilisation < 60%- 0.50% p.a (plus taxes) on the difference between the actual utilisation and average quarterly utilisation of 60%.

Charges will be levied on a quarterly basis

Applicable only for CC/OD facility

Stamp Duty & other statutory charges

As per applicable laws of the state

Legal / Valuation


No Due Certificate / No Objection Certificate (NOC)


Intra Day Peak utilization charges


Duplicate no due Certificate / NOC

Rs. 250/- (plus taxes)

Non-Submission of property/stock insurance policy including renewal policy

@2% Additional Rate of interest on the amount out-standing.

Penal Interest

@2% additional on existing ROI for non-submission of Insurance / Stock Statement

ROC filling charges (On customer request)

Rs 3000/- (plus taxes) per filing on availing bank empaneled vendor services. Customers may also avail services of other vendors as per their convenience.

Issuance of Solvency certificate

Rs 10000/- for every Solvency Certificate approved by the Bank.

Cheque bounce charges for term loans

Rs 450 (plus taxes) Per cheque bounce

Late payment penalty

24% per annum (plus taxes) on the amount out-standing from date of default.

Temporary over-draft

18% per annum  on the amount utilised above the sanctioned credit limit.

Commission on LC/BG issuance

Upto 1.8% p.a. on LC/BG Amount (plus applicable taxes)

Penal Interest for maintaining Current Account with Other Bank while facility is granted under Sole Banking (Applicable where specific permission is not taken by the customer).

@2% additional levy over existing Rate of Interest.

Penal interest on customer exposures, overdue for renewal of credit facilities.

@2% additional levy over existing Rate of Interest from the date of renewal overdue, subject to a minimum of Rs.2500 per month.

Penal interest for customers not submitting the Letter Acknowledging their Debt (LAD)

@2% additional levy over existing Rate of Interest from the date of LAD overdue, subject to a minimum of Rs.2500 per month.

Higher levy in case account conduct deteriorates

@2% additional levy over existing Rate of Interest.

Incremental Interest on Adhoc limits.

@2% additional levy over existing Rate of Interest.

Incremental Interest on Temporary overdrafts (TOD)

18% p.a. on TOD amount availed for the days, TOD is used.

Penal Interest for not complying with documentation for the credit facility.

@2% additional levy over existing Rate of Interest.

Service Charges - for processing Physical Stock Statement.

Rs. 500 for every physical stock statement collected or submitted.

Conversion Charges (For revising rate of interest)

@ 0.25% plus taxes as applicable on loan outstanding in case of Term loan and on sanctioned amount for other Working Capital Facility (e.g. Cash Credit / Overdraft etc.) or Rs. 5, 000 plus taxes as applicable, whichever is higher.

Stock Audit Charges

For Sanctioned Limits upto Rs. 5 Cr : Rs.8,000/- plus taxes as applicable.


For Sanctioned Limits above Rs 5 Cr : Rs.12,000/- plus taxes as applicable.


**For the customers having multiple locations, stock audit charges to paid per number of visits at each factory, office, godown etc.

Levy of Takeover Charges on customers in case of loan is takenover by other Banks and NBFCs.

4% of loan Outstanding for Term loan and 4% of the sanctioned amount for Working Capital Facility plus taxes as applicable.

CERSAI Charges for creation / modification of security interest on collateral. Collateral is a necessary element that a recipient has to keep with him to get a loan. Securities can also be used as collateral. securities.

Rs.500 + GST - per customer



*Service Tax and other Government taxes, levies etc. applicable as per prevailing rate will be charged over and above the Fees and Charges

Loan at the sole discretion of HDFC Bank Ltd.

Floating rate loans are linked to MCLR as declared by the bank from time to time. Such loans / facilities shall reset at the time of renewal only