Working Capital Limit Calculator for MSMEs
Estimate your cash-credit or overdraft limit from turnover, stock, debtors and creditors — the way banks assess it.
How do banks calculate working capital for MSMEs?
Up to ₹5 crore turnover, banks often use 20% of projected turnover. They also check drawing power: about 75% of stock and debtors, minus creditors.
What documents are needed?
Audited financials, GST returns, 12 months of bank statements, a stock statement and KYC.
Results are estimates for planning, not an offer. Lenders decide final amounts and rates.