Working Capital

  • Working Capital ... For The Growth of Your Business

At Indexia Finance, we possess a robust appetite for recognized credits. Our team comprises customer-focused relationship managers with extensive industry experience across various segments. We stand ready to provide tailored working capital finance, offering cash credit or loan structured to align with your needs and risk profile, whether in consortium or as a sole banker.

Required Documents for Working Capital

  • Self-attested copy of KYC Documents
  • Entity proof – Partnership deed/Certificate of Incorporation/Shops and Establishment certificate
  • Copy of PAN Card of Entity, Proprietors/Partners/Directors, Security providers and guarantors
  • Address Proof of Entity, Proprietors/Partners/Directors, Security providers and guarantors
  • Last 3 years Audited/Provisional Financials (Audited financials to include Balance Sheet, Profit, and Loss Account along with schedules and Notes to Accounts, tax audit reports, and Statutory Audit report). In the case of Provisional financials, VAT returns are also required
  • Current year performance and projected turnover on the letterhead of the entity
  • Last 1 year’s Income Tax returns of the borrowing entity (along with Computation of Income), if filed online, acknowledgment number is required
  • Latest Bank Statements for the last 6 months (in case of First Time Borrower) and 12 months (in case of Takeover proposals). In case of multiple banking, statements covering a minimum of 75% of banking turnover are to be provided
  • Orders in hand and status along with order copies/Letters of intent/Contract agreements
  • Previous 3 inland LC transaction details for ascertaining track record
  • Project report containing the cost of the project, means of finance, expenditure incurred, and projections along with justifiable details
  • Government approvals for power, Pollution, and Building plans along with documentary proofs
  • Pro forma invoices of assets to be purchased, copy of allotment letter/conveyance deed in case of land, architect certificate for validating cost of building to be constructed




Indexia Finance Working Capital

Eligibility Criteria: Our working capital scheme caters to limited companies classified as industrial concerns under the IDBI Act. To be eligible, companies must meet the following criteria:

  • Lack of existing may result in underfinancing and lower operational capacity.
  • Demonstrate a market for their product.
  • Have competent and integrity-driven promoters.
  • Utilize non-outdated technology.
  • Exhibit potential viability for both the company and the unit.

Objective: This scheme targets units facing challenges due to a lack of working capital support from commercial banks. We aim to inject fresh funds, providing one-time core working capital assistance to make these units financially viable.

Quantum of Assistance:

  • 75% of the working capital requirement for one operational cycle.
  • Promoters’ Contribution: 25%
  • Interest Rate: PLR + Risk Weightage
  • Repayment Period: Maximum 3 years

Borrowers can approach commercial banks for their normal capital requirements, and the assistance from NED Fi should be repaid from the proceeds of the bank loan.


  • The first charge on current assets is through hypothecation.
  • Charge on fixed assets of the unit.
  • Personal Guarantee of Promoter Director/Corporate Guarantee.
  • First, pari passu charge on fixed assets, if mortgaged to other institutions/banks.
  • Adequate collateral security.
  • Upfront Fee: 0.1% of the loan amount