Large businesses and growing enterprises in Kolkata often require high-value working capital to manage operations, expand capacity, or fund large projects. An instant cash credit loan for 50 cr in Kolkata is designed to meet these needs by providing flexible access to funds backed by business strength and collateral. Unlike small-ticket loans, approvals at this level focus on financial stability and credit score factors, turnover, and security rather than speed alone. According to RBI’s latest guidelines on cash credit accounts, banks now operate under a unified framework for working capital facilities.
Creditcares works with leading banks and NBFCs to help businesses secure secured working capital financing solutions up to ₹50 crore, ensuring structured approval and competitive pricing.
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. Once sanctioned, the borrower can withdraw, repay, and re-withdraw funds within the approved limit. This makes cash credit ideal for businesses with fluctuating cash flow needs. Major banks like ICICI Bank offer comprehensive cash credit facilities for various business requirements.
For large limits like ₹50 crore, cash credit facilities with professional consultation are typically secured against property, stock, receivables, or other business assets. The Reserve Bank of India regulates working capital norms to ensure proper credit management across the banking system.
Who can apply for an instant cash credit loan for 50 cr in Kolkata?
Businesses eligible for high-value cash credit limits include:
- Established companies with strong turnover and healthy CIBIL MSME rank
- Manufacturing units and traders seeking business expansion loans
- Infrastructure and real estate firms
- Companies executing large projects
- Businesses seeking Project Loans Rs 50 Crore & Above in Kolkata
Creditcares also acts as project finance consultants in Kolkata, assisting clients with structuring large working capital and project-linked funding through our specialized financial loan services.
Eligibility criteria for cash credit loan up to ₹50 crore
While lender policies vary, common eligibility benchmarks include:
- Minimum 3–5 years of business operations with proper documentation
- Strong annual turnover and profitability
- Clean banking history and good credit score
- Satisfactory credit profile of promoters
- Adequate collateral coverage with proper property valuation
Higher limits are sanctioned based on cash flow assessment and business loan eligibility rather than just collateral value. Banks like ICICI Bank evaluate business profiles comprehensively before sanctioning large credit limits.
Documents required
Applying for a cash credit loan in Kolkata with expert guidance is streamlined when documents are ready. Commonly required documents include:
- PAN and Aadhaar card of the applicant
- Business registration certificate and GST compliance
- GST returns for the last 6 months
- Bank statements downloaded correctly (last 6 months)
- Income Tax Returns (ITR)
Complete documentation support through our expert team significantly speeds up the approval process.
Interest rate and charges
Interest rates for an instant cash credit loan depend on multiple factors:
- Business risk profile and credit history
- Turnover and profitability
- Nature of collateral
- Banking relationship
Competitive interest rates
Creditcares negotiates competitive interest rates by comparing offers from multiple banks and NBFCs. Rates are usually lower for secured facilities and long-standing businesses. According to ICICI Bank’s business loan structure, rates vary based on assessment of business profiles and market conditions.
Other charges may include processing fees and documentation costs, which vary by lender. Use our EMI Calculator to estimate your monthly repayment obligations.
Key benefits of cash credit loan up to 50 cr
Secured working capital up to 50 Cr
High limits support large-scale operations, procurement, and execution of major contracts and projects.
Increases cash flow and sales
Access to working capital through overdraft facilities helps businesses fulfill orders on time, negotiate better supplier terms, and increase sales volumes.
Simple paperwork
Minimal documentation compared to traditional term loans with proper guidance from our financial consultants.
Quick processing with minimal documentation
Eligibility checks and in-principle approvals can be completed quickly when financials are strong and credit score is healthy.
Flexible loan repayment
Cash credit facilities allow flexible repayment, with tenure typically extending up to 60 months, aligned with RBI’s working capital guidelines.
How to apply for an instant cash credit loan with Creditcares
The application process is structured to minimize delays:
- Fill out the online application form on the Creditcares website
- Upload the required documents through our secure portal
- Get a quick eligibility check using our calculator
- Lender assessment and limit structuring
- Loan approval and documentation support
- Disbursal within a few working days
Creditcares coordinates directly with corporate loan providers in Kolkata to ensure smooth processing, working with banks like ICICI Bank for business financing solutions.
Business loan and project finance support in Kolkata
Apart from cash credit, Creditcares assists with comprehensive financing:
- Business loan in Kolkata up to 50 cr
- Project Loans Rs 50 Crore & Above in Kolkata
- Corporate finance and structured lending solutions
- Loan Against Property for business needs
- Machinery Loan for equipment financing
- Construction Finance for real estate projects
Our advisory approach as leading loan consultants ensures the loan structure matches your operational requirements and complies with RBI’s lending norms.
Frequently asked questions
What is the best way to apply for a loan in Kolkata?
Applying through an experienced advisory like Creditcares ensures faster approvals and better terms with proper documentation support.
How fast can I get loan approval in Kolkata with Creditcares?
Initial eligibility assessment can be completed quickly, with disbursal typically within a few working days after documentation.
Can self-employed individuals apply for loan against property in Kolkata?
Yes, self-employed professionals and business owners can apply for secured loans such as loan against property.
What is the minimum and maximum loan amount offered in Kolkata?
Loan amounts range from a few lakhs to ₹50 crore or more through our business loan services, depending on eligibility and collateral.
How flexible is the repayment tenure?
Repayment tenure for working capital and cash credit facilities can extend up to 60 months, with overdraft options also available.
Can I apply for a business loan online in Kolkata without visiting a branch?
Yes, the entire application and documentation process can be initiated online through Creditcares.
Final takeaway
An instant cash credit loan for 50 cr in Kolkata is a powerful funding tool for businesses with strong financials and growth plans. With the right structure, proper documentation support, and advisory support from experienced consultants, large working capital limits can be secured efficiently. Understanding your CIBIL MSME rank and credit factors is crucial for better loan terms.
Creditcares simplifies the process by connecting businesses with reliable lenders including major banks like ICICI Bank and ensuring smooth, transparent approvals aligned with RBI’s regulatory framework.
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