Question
As per the Master Circular on Management of Advances –
UCBs, for borrowers (other than MSEs) requiring fund-based working capital up to â‚ą1 crore and for Micro & Small Enterprises requiring up to â‚ą5 crore, how is the working capital requirement (25% of projected turnover) shared between borrower and bank?Solution
• Under RBI’s guidelines for working capital assessment (turnover method): o Working capital requirement = 25% of projected annual turnover. o This is shared between the borrower and the bank as:  Borrower’s contribution (Net Working Capital) = 5% of turnover.  Bank finance = minimum 20% of turnover. • Example: If projected turnover = ₹10 crore, o Total working capital requirement = ₹2.5 crore (25% of turnover). o Borrower contributes ₹0.5 crore (5%), and o Bank provides at least ₹2.0 crore (20%).
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