Working Capital Loans

ICICI Bank’s Rural and Inclusive Banking Group (RIBG) offers Overdraft (OD), Cash Credit and Term Loan facilities to traders, processors, aggregators and other businesses in rural and semi-urban locations with quick sanction basis simplified documentation. The OD or Cash Credit facility availed of is renewable every 12 months on satisfactory track record.

I-Flexi OD

OD facility up to ₹ 2.5 million to micro enterprises with sanction based on banking transactions in any bank’s Current Account statement(s).


  • Assessment based on analysis of transactions in Current Account statement(s).
  • Business/Promoter vintage: 24 months.
  • Current Account vintage: 12 months.
  • Eligible entities: Individuals, proprietorship firms and partnership firms.
  • Collateral: Residential and commercial properties only.

GST - Business Loan

OD facility up to ₹ 10.0 million to enterprises with sanction based on turnover reported in Goods and Services Tax (GST) returns.


  • Assessment based on turnover reported in GST returns.
  • Turnover: At least Rs ₹ 5.0 million.
  • Business/Promoter vintage: 24 months.
  • Eligible entities: Proprietorship firms, partnership firms, Limited Liability Partnerships (LLPs) and Companies.
  • Collateral: Self-occupied residential/ commercial/ industrial properties only.

Mandi OD

OD facility up to ₹ 10.0 million to mandi traders with sanction based on banking transactions in any bank’s Current Account statement(s).


  • Assessment based on analysis of transactions in Current Account statement(s).
  • Business/Promoter vintage: 36 months.
  • Current Account vintage: 22 months.
  • Eligible entities: Proprietorship firms and partnership firms.
  • Collateral: Residential, commercial and/ or industrial properties.

Micro Enterprise Credit

Pre-qualified OD facility, up to ₹ 10.0 million, to micro enterprises based on ICICI Bank’s Current Account statement(s).


  • Pre-qualified limit basis transactions in Current Account.
  • Facility: OD/ Bank Guarantee/ Term Loan.
  • Business vintage: 36 months.
  • ICICI Bank’s Current Account vintage: 22 months.
  • Eligible entities: Proprietorship firms, partnership firms, private limited companies, public limited companies.
  • Collateral: Residential, commercial and/or industrial properties.

Vyapaar Loan

OD facility up to ₹ 20.0 million to Micro and Small Enterprises (MSE) based on simplified financial assessment.


  • Facility: OD / Bank Guarantee/ Term Loan/ Letter of Credit
  • Loan amount: Minimum of ₹ 1.0 million and maximum up to ₹ 20.0 million (Limited upto ₹ 10.0 million for first time borrower).
  • Business vintage: 36 months.
  • Eligible entities: Proprietorship firms, partnership firms, private limited companies, public limited companies.
  • Collateral: Residential, commercial and/ or industrial properties.

Agri Credit Line

OD facility up to ₹ 50.0 million to Micro, Small and Medium Enterprises (MSMEs) based on simplified financial assessment.


  • Facility: OD/ Bank Guarantee/ Term Loan/Letter of Credit
  • Loan amount: Minimum of ₹ 1.0 million and maximum up to ₹ 50.0 million (Limited upto ₹ 10.0 million for first time borrower); Up to ₹ 60.0 million in case of enhancement
  • Tenure: 12 months, renewable on satisfactory track record.
  • Business vintage: 36 months.
  • Eligible entities: Proprietorship firms, partnership firms, private limited companies, public limited companies.
  • Collateral: Residential, commercial and/ or industrial properties.