Working Capital Loan

For borrowers who don’t have enough liquidate assets to run daily operations i.e. rent debt payments and payroll. During such times, they can apply for working capital loans. In simple terms, it’s a debt that the borrower uses for its day to day operations.

working capital loan is a loan that is taken to finance a company’s everyday operations. These loans are not used to buy long-term assets or investments and are, instead, used to provide the working capital that covers a company’s short-term operational needs.

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Permanent Working capital

It is that portion of the working capital that remains permanently tied up in current assets to undertake business activity uninterruptedly. In other words, permanent working capital is the least amount of current assets needed to carry out business effortlessly. Thus, it is also known as fixed working capital.

Regular working Capital

This is defined as the least amount of capital required by a business to fund its day-to-day operations of a business. Examples include payment of salaries and wages and overhead expenses for the processing of raw materials.

Reserve margin working capital

Apart from day-to-day activities, a business may need some amount of capital for unforeseen circumstances. Reserve Margin Working Capital is nothing but the amount of capital kept aside apart from the regular working capital. These pool of funds are kept separately for unforeseen circumstances such as strikes, natural calamities, etc

Variable working Capital

This can be defined as the working capital invested for a temporary period of time in the business. For this reason, it is also called as fluctuating working capital. Such a capital varies with respect to the change in the size of the business or changes in the assets of the business.

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Features of working capital loan

All loans are not created equal, working capital loan has become a great option for people to use.

suitable Loan size

This is a loan with ticket size up to 20 lacs, given for period of up to 36 months. The repayment of these loans will be on monthly basis.

Flexible repayment & No processing Fees

Interest calculation will be at monthly rest
and no processing charges

20% Funding on Loan

The total financing will be up to 20% of the total projected turnover of the business.

Flexible Pre-closure and the pre-payment

Pre-closure and the pre-payment of such loans are all allowed at no additional cost or penal charges. Late Repayment fees of INR 50/day will be charged

Working Capital Loan- Eligibility

In addition to general eligibility requirements, following are specific documents to proof the potential and needs of the loan.

Additional Document requirement

Borrower must submit financial projection of the business for the next year. Hypothecation agreement of existing and future stock of business will be executed.

Proof of business establishment

Applicant should have a registered Business/Legally permitted business/activities

Prove of Tibetan

The member should be Green Book Holder and Applicant must be above 18 years of age

Frequently Ask Questions

If you have a question that deals with clients, customers or the public in general, there is bound to be a need for the FAQ page.

Unlike Tibetan Refugee Livelihood Support Program (TRLSP), the Commercial Loan Program will not bind by any period for application submission unless specifically specified while scheme launch.

Any Tibetan entrepreneurs through the settlement office.

Currently, our policy allows one loan scheme for a family at a given time. Hence, if the applicant is an active client of GDF, He/she must wait until the existing loan tenure is finished or close the existing loan account before availing any other loan scheme.

Allowing any such changes will be based on the specific case, although such changes will require the applicant to notify partner organization, revise the document and submit it again through partner organization.

Currently, there is no option for the borrower to avail any moratorium period on loans sanctioned by GDF except under circumstances as may be notified by the Reserve Bank of India

GDF from time to time will collaborate with various institutions/ organizations to provide financial access to the targeted clients. Such collaboration will help GDF to leverage these partner organization’s experience and knowledge of the potential customer and result in more efficient underwriting process.

Currently for general public, Tibetan Settlement Offices will be the point of contact through and through they can apply for credit facility from GDF.
While in future, GDF might explore many such partnerships which will bring synergy between GDF and such community based institutions. Ultimately, resulting in better effectiveness and efficiency.

Any such schemes will be announced through official website of Central Tibetan Administration ( and through GDF’s Official website (

Yes. GDF’s products are specifically designed to meet the need of their potential clients. Hence, in such aforementioned events, the loan products will always be available for general public.

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Now apply for a working capital Loan online, All you need to do is provide your details below application form.