Working Capital guides

Guides on cash credit, overdraft and working capital lines for running businesses and developers. Learn how limits are set, how much you can borrow, and how to keep your operating cycle funded.

Looking for funding? See our Working Capital page.

MoneyKarma

15 Oct 2026

GSTR-3B Due Date October 2026: How to Fund GST Cash Without Draining Working Capital

September 2026 GSTR-3B is due on 20 October for monthly filers, and on 22 or 24 October for QRMP filers. Dussehra falls on the 20th. How to ring-fence GST cash and what working capital options fit when festive stock already fills the line.

MoneyKarma

12 Oct 2026

ECLGS 5.0: Is It Still Open, and What Can MSMEs Use Instead?

By 20 August 2026, ECLGS 5.0 had issued ₹2,50,024 crore of its ₹2,55,000 crore guarantee limit. What that means for MSMEs, the 9% rate cap after the repo hike, and other routes to festive working capital.

MoneyKarma

11 Oct 2026

MSME Loan Without Collateral in India: CGTMSE, Mudra and the ₹20 Lakh Rule

RBI's ₹20 lakh collateral-free rule, Mudra and CGTMSE cover up to ₹10 crore, explained with 2026 limits, guarantee fees, worked examples and what lenders still check.

MoneyKarma

11 Oct 2026

RBI Foreign Exchange Risk Reserve: What It Means for Importers' Working Capital

RBI's 10 October 2026 forex rules add a 20% cash reserve on large import hedges, tighten hedge documents and ban rebooking. What it means for your CC, OD and import costs.

MoneyKarma

10 Oct 2026

57th GST Council Meeting: What It Means for Your Working Capital

Faster system-based refunds, refunds of credit on input services and capital goods, and lower penalties. What the 57th GST Council meeting means for your CC, OD and cash flow.

MoneyKarma

9 Oct 2026

Cash Credit vs Overdraft: Differences, Limits and Interest Calculation

Cash credit and overdraft both give revolving credit, but they are secured, sized and monitored differently. Here is how to choose.

MoneyKarma

9 Oct 2026

How Banks Calculate Your Working Capital Limit: Turnover Method, MPBF and Drawing Power

The three calculations behind most Indian working capital limits, with worked numbers you can apply to your own business.