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📈 Finance Product

Loan Against Stock / Inventory

Convert your warehouse stock into working capital.

Retain ownership
Apply Now → Calculate EMI →
Loan Amount / Ticket size
A percentage of assessed stock value
Free eligibility assessment · Advisor calls within 4 business hours
Check Eligibility →
At a Glance

Loan Against Stock / Inventory — Key Facts

Loan Amount / Ticket size
A percentage of assessed stock value
Interest Rate / Cost
On drawn amount; set case-by-case
Collateral
Hypothecation of stock / inventory
Tenure
Working-capital cycle, renewed annually
Turnaround Time
On stock assessment & documentation
Best For
Traders & manufacturers with steady inventory
Overview

What It Is & How It Works

Working-capital facility secured against your existing stock and inventory holding.

How It Works

The Process, Visualised

How the pledge worksYour StockPledged, still yoursValuationLender sets limitOverdraft LimitDraw as neededInterest on UseOnly on what you draw

You keep ownership and any upside on the pledged holding; interest applies only to the amount you actually use.

Eligibility Criteria

  • Business holding verifiable, marketable stock
  • Proper stock records and periodic statements
  • Adequate insurance on the inventory
  • Valid business registration and KYC
  • Acceptable credit profile

Documents Required

  • Stock statements and inventory records
  • Stock insurance policy
  • Business registration (Udyam / GST)
  • Financial statements for the last 2 years
  • Last 12 months\' bank statements
  • KYC of the business and promoters
Process

From Application to Disbursal

1

Apply Online

Tell us your requirement in 2 minutes.

2

Eligibility Check

Free assessment within 48 hours.

3

File Preparation

We build and submit the complete bank-ready file.

4

Sanction & Disbursal

We follow through to money-in-account.

Who It's For

Common Applicants

Business Owners
Promoters & Directors
HNIs
Traders
Professionals
Investors
Get Started

Apply for Loan Against Stock / Inventory

Fill this short form — our advisor calls within 4 business hours. Or use the full application →

✓ Free assessment · Documents stored securely · We call within 4 business hours

FAQ

Frequently Asked Questions

Verifiable, marketable inventory that is properly recorded and insured --- the lender assesses value and lends a percentage of it.
You submit periodic stock statements; the drawing power moves with the assessed value of your inventory over the cycle.
Yes. Since the stock is the security, adequate insurance against fire, theft, and similar risks is required.
Terms --- margin, rate, and limit --- are set case-by-case by the funding institution based on the nature and turnover of your stock.
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Apply for Loan Against Stock / Inventory

Free eligibility assessment · Advisor calls within 4 business hours · Documents stored securely

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