A cash credit loan for 100 cr in Kolkata is designed for large businesses, corporates, and infrastructure-driven enterprises that require continuous access to high-value working capital. Such facilities are not retail products; they are structured, secured, and sanctioned only after a detailed financial and risk assessment.
In Kolkata and across West Bengal, companies involved in manufacturing, trading, infrastructure, logistics, and real estate often rely on corporate cash credit limits to manage large inventories, project execution, and receivables. Creditcares works closely with major banks to structure high-value business credit facilities that align with operational cash flow needs.
What is a cash credit loan?
A cash credit loan is a revolving working capital facility where interest is charged only on the amount utilised, not on the entire sanctioned limit. Once approved, the borrower can withdraw and repay funds multiple times within the sanctioned limit—similar to an overdraft facility.
For limits as high as ₹100 crore, cash credit facilities are typically secured against assets such as commercial property, stock, receivables, or a combination of securities. This structure helps businesses maintain liquidity without locking themselves into fixed EMIs. According to the Reserve Bank of India (RBI), such secured facilities help reduce lender risk and offer better terms to borrowers.
Who can apply for a corporate cash credit loan of ₹100 crore?
The following entities commonly qualify for Corporate Cash Credit loan Kolkata ₹100 Crore facilities:
- Large manufacturing companies requiring machinery financing
- Infrastructure and EPC contractors needing construction finance
- Real estate developers with project loan requirements
- Logistics and warehousing firms managing inventory
- Export-oriented businesses with receivable-backed financing needs
- Enterprises executing long-term projects with term loan components
Creditcares also assists companies seeking project finance and CC limit banks West Bengal solutions for large-scale execution.
Eligibility criteria for cash credit loan up to ₹100 crore
Banks evaluate several factors before approving a ₹100 crore cash credit limit:
✅ Minimum 5–7 years of business operations
✅ Strong annual turnover and profitability
✅ Clean and consistent banking transactions
✅ Acceptable credit profile of promoters and directors
✅ Adequate collateral coverage
✅ Project viability (for project-linked CC limits)
Approval depends more on cash flow strength and balance sheet quality than just collateral value. As per RBI guidelines on cash credit, lenders assess both fund-based and non-fund-based exposures.
Documents required
Applying for a high-value cash credit facility requires organised documentation. Commonly required documents include:
📄 PAN and Aadhaar of promoters/directors
📄 Company incorporation or business registration certificates
📄 GST returns for the last 6–12 months
📄 Bank statements (last 12 months) – Learn how to download statements
📄 Income Tax Returns and audited financial statements
📄 Details of existing loans and credit facilities
📄 Collateral documents, if applicable
Complete documentation helps avoid delays during appraisal. For detailed guidance on loan application documents, consult with Creditcares.
Interest rates and pricing – 2026 outlook
Pricing for a ₹100 Cr commercial loan interest rates 2026 depends on multiple variables:
🔹 Industry risk profile
🔹 Financial strength of the borrower
🔹 Nature and value of collateral
🔹 Relationship with the lending bank
Competitive interest rates: Creditcares negotiates competitive interest rates by comparing offers from multiple lenders including State Bank of India and HDFC Bank. Secured cash credit facilities generally attract lower rates than unsecured corporate borrowings.
Banks may also charge processing fees, documentation charges, and periodic renewal fees for cash credit limits. According to <a href=”https://www.rbi.org.in” target=”_blank” rel=”noopener noreferrer”>RBI’s latest guidelines</a>, transparency in pricing is mandatory for all commercial lending.
Key benefits of cash credit loan for large enterprises
Working capital limit for large enterprises Kolkata
A ₹100 crore cash credit limit ensures uninterrupted operations, timely supplier payments, and smooth project execution. This is particularly important for MSME businesses scaling operations.
High-value business credit facility Kolkata
Large limits allow enterprises to scale operations without repeatedly applying for short-term loans. Companies can use funds for machinery purchase, inventory management, or working capital requirements.
Flexible utilisation
Interest is charged only on the utilised amount, helping reduce overall borrowing costs—much like an overdraft against property but with higher limits.
Improves cash flow management
Businesses can match borrowing with actual cash requirements, improving financial discipline and maintaining healthy credit scores.
Major banks offering ₹100 crore cash credit limits in Kolkata
Corporate cash credit facilities in Kolkata are commonly structured through:
🏦 SBI Corporate Banking Branch Kolkata Dalhousie
🏦 HDFC Bank Wholesale Banking Kolkata
🏦 PNB Mid-Corporate Center Kolkata
🏦 IDFC First Bank Business Loans ₹100 Cr – Flexible terms for growing businesses
Creditcares coordinates with these institutions to identify the most suitable lender based on the client’s business profile and credit history.
Step-by-step apply process with Creditcares
The application process for a cash credit loan for 100 cr in Kolkata is systematic and transparent:
Step 1: Initial consultation and requirement analysis
Step 2: Submission of company and promoter details
Step 3: Financial and eligibility assessment
Step 4: Lender mapping and proposal structuring
Step 5: Bank appraisal and collateral valuation
Step 6: Sanction letter issuance
Step 7: Documentation and CC limit activation
Creditcares manages coordination with banks to reduce turnaround time and improve approval quality. Our DSA partner program ensures seamless processing.
Project finance and large CC limit structuring
For enterprises executing infrastructure or large-scale projects, cash credit limits are often structured alongside term loans or project finance.
Creditcares acts as a bridge between project requirements and banking norms, ensuring optimal structuring. We help with:
✔️ Construction finance for real estate projects
✔️ Business loan against property for expansion
✔️ Machinery loans for manufacturing units
✔️ MSME credit facilities with government backing
Frequently asked questions
What is the minimum and maximum cash credit limit available in Kolkata?
Cash credit limits can range from a few crores to ₹100 crore or more, depending on eligibility and collateral.
How long does approval take for a ₹100 crore cash credit loan?
Approval timelines typically range from 3 to 6 weeks, depending on complexity and documentation readiness.
Is collateral mandatory for a ₹100 crore cash credit loan?
Yes, such high-value limits are usually secured against property or business assets. Loan against property is commonly used as collateral.
Can the application be started online?
Yes, the initial application and document submission can be initiated online through Creditcares. Our team provides end-to-end support.
Final takeaway
A cash credit loan for 100 cr in Kolkata is a strategic financing tool for large enterprises that need flexible and continuous working capital. With proper structuring, strong financials, and expert advisory support from Creditcares, businesses can secure high-value cash credit limits efficiently and sustainably.
For personalized assistance with corporate loans, business financing, or understanding RBI guidelines, contact Creditcares today.
📞 Need Help? Connect with our Corporate Loan DSA in Kolkata team or explore our comprehensive loan services.
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