Working Capital Assistance

Drawing power, not turnover, sets what you can draw

Drawing power is calculated by applying a margin to your stock and receivables and adding what remains — typically 25% margin on stock and 25–40% margin on debtors, with debtors older than 90–120 days usually excluded entirely. A business showing ₹2 crore in receivables might find ₹40–50 lakh of that excluded outright because it’s aged. The sanctioned limit is a ceiling; the drawing power calculated each month from your stock statement is what you can actually withdraw, and it moves with your books.