Performing Credit Kya Hai? (2026 Guide) ???? | Is Secret Se Company Ne ?100 Crore Raise Kar Liye!

Introduction

Imagine kijiye ek company already profit kama rahi hai, regular EMI bhar rahi hai aur uska existing loan bilkul smoothly chal raha hai. Aise mein bank ya NBFC us company ko Performing Credit ke basis par aur funding dene ke liye zyada comfortable hote hain.

Isi strategy ka use karke kai MSMEs aur corporates ne apna business expand kiya hai aur ?10 crore se lekar ?100 crore ya usse bhi zyada funding raise ki hai.

Lekin Performing Credit hota kya hai? Kaun iske liye eligible hota hai? Iske advantages aur disadvantages kya hain? Aur funding ka process kya hai?

Aaiye detail mein samajhte hain.

Performing Credit Kya Hai?

Performing Credit ka matlab hai aisa loan ya credit facility jisme borrower apni repayment time par kar raha ho aur account Standard Asset category mein ho.

Simple words mein,

Agar borrower EMI aur interest regular pay kar raha hai aur account NPA (Non-Performing Asset) nahi bana hai, to us credit ko Performing Credit kaha jata hai.

Banks aur NBFCs aise borrowers ko low-risk customer mante hain.

Performing Credit Ko Simple Example Se Samjhiye

ABC Engineering Pvt. Ltd.

• Existing Term Loan = ?20 Crore
• Working Capital = ?15 Crore
• Last 5 years se EMI time par
• No overdue
• GST Regular
• ITR Filed
• Sales Growing

Result:

Bank company ko aur ?40-80 crore tak additional funding consider kar sakta hai.

Yehi Performing Credit ka benefit hai.

Performing Credit Kaise Kaam Karta Hai?

Company Business ? Existing Loan ? Regular EMI Payment ? Good Credit History ? Bank Confidence ? Higher Funding Eligibility ? Business Expansion

Performing Credit Ki Features

• Existing loan running smoothly
• No default
• Regular EMI
• Healthy Cash Flow
• Good Banking
• Strong Financial Statements
• Good CIBIL/Credit Rating
• Lower Risk
• Better Loan Negotiation

Performing Credit Ke Sources

Kaun Performing Credit Le Sakta Hai?

Generally:

• MSMEs
• Private Limited Companies
• LLPs
• Partnership Firms
• Listed Companies
• Manufacturing Units
• Exporters
• Traders
• Healthcare Businesses
• Educational Institutions
• Hospitality Industry
• Logistics Companies
• EPC Contractors
• Renewable Energy Companies

Eligibility

Usually lender ye check karta hai:

• Existing Performing Loan
• No NPA History
• Good CIBIL
• Regular GST
• Filed ITR
• Positive EBITDA
• Stable Cash Flow
• Debt Service Coverage Ratio (DSCR)
• Banking Track Record
• Financial Statements

Documents Required

• PAN
• Aadhaar
• GST Registration
• Company Incorporation Documents
• Partnership Deed (if applicable)
• Last 3 Years ITR
• Audited Financial Statements
• GST Returns
• Bank Statements
• Existing Loan Statement
• CMA Data
• Project Report
• KYC
• Net Worth Statement

Types of Performing Credit

1. Performing Working Capital

Cash Credit

OD

Packing Credit

Bill Discounting

2. Performing Term Loan

Expansion

Plant & Machinery

Factory

Commercial Property

3. Trade Finance

LC

BG

Buyer Credit

Supplier Credit

4. Structured Credit

Large Ticket Funding

Acquisition Finance

Bridge Loan

Advantages & Disadvantages

Step-by-Step Process

Step 1

Business Assessment

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Step 2

Financial Analysis

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Step 3

Credit History Review

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Step 4

Eligibility Check

?

Step 5

Document Collection

?

Step 6

CMA & Project Report

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Step 7

Bank/NBFC Selection

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Step 8

Loan Application

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Step 9

Credit Appraisal

?

Step 10

Sanction

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Step 11

Documentation

?

Step 12

Disbursement

Interest Rate

Depends upon

• Credit Rating
• Banking Relationship
• Financial Performance
• Industry
• Loan Amount
• Collateral
• Tenure

A strong performing borrower generally receives more competitive pricing than a weaker borrower.

Tips to Maintain Performing Credit

• Never miss EMI
• Maintain sufficient bank balance
• File GST on time
• File Income Tax Returns
• Maintain proper books of accounts
• Improve EBITDA
• Reduce unnecessary debt
• Maintain healthy working capital
• Keep CIBIL healthy
• Avoid cheque bounces

Common Mistakes

• Late EMI
• GST Delay
• Income Tax Default
• Poor Banking
• High Existing Debt
• Frequent Loan Restructuring
• Wrong Financial Reporting
• Cash Flow Mismanagement
• Ignoring Covenants
• Excessive Borrowing

Conclusion

Performing Credit kisi specific loan product ka naam nahi hai, balki ek healthy credit profile ko describe karta hai jahan borrower apne existing loan obligations ko time par fulfill kar raha hota hai. Isi strong repayment track record ki wajah se banks aur NBFCs additional funding dene ke liye zyada willing hote hain. Agar aap apna credit discipline maintain karte hain, to business expansion ke liye larger funding opportunities mil sakti hain.

Top 10 FAQs

1. Performing Credit kya hota hai?

Performing Credit woh credit account hai jisme borrower time par EMI aur interest pay karta hai aur account Standard Asset category mein hota hai.

2. Kya Performing Credit ek loan product hai?

Nahi. Yeh loan product nahi, balki ek performing loan account ya healthy credit behaviour ko describe karne wala term hai.

3. Performing Credit aur NPA mein kya difference hai?

Performing Credit mein repayments regular hoti hain, jabki NPA mein prescribed overdue period ke baad account non-performing ho jata hai.

4. Kaun Performing Credit ka benefit le sakta hai?

MSMEs, companies, LLPs, partnership firms aur anya eligible business entities jinka repayment record achha ho.

5. Kya collateral zaroori hota hai?

Loan type aur lender policy par depend karta hai. Kuch facilities secured hoti hain, kuch unsecured bhi ho sakti hain.

6. Kya CIBIL score important hai?

Haan. Good CIBIL ya business credit profile approval aur pricing dono mein help karta hai.

7. Existing loan hona zaroori hai?

Performing Credit ka concept generally existing performing credit relationship se juda hota hai.

8. Kya startup bhi benefit le sakta hai?

Agar startup ke paas established repayment history nahi hai, to Performing Credit ka benefit limited ho sakta hai. Lekin growth-stage startups strong financials ke saath qualify kar sakte hain.

9. Kya Performing Credit se interest rate kam ho sakta hai?

Achha repayment history lender ko confidence deta hai, jisse better loan terms mil sakte hain. Final rate lender ke appraisal par depend karta hai.

10. Funding arrange karne mein expert advisor ki kya role hoti hai?

Expert advisor suitable lender identify karne, documentation, CMA data, project report aur credit presentation mein madad karta hai, jisse approval ki quality aur speed improve ho sakti hai.