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Secure and Unsecure OD / Overdraft Facility

Flexible credit line — borrow what you need, pay interest only on what you use

Flexible Overdraft Facility for Your Needs

An Overdraft (OD) Facility gives you a pre-approved credit limit that you can draw from anytime — like having extra funds in your bank account. You only pay interest on the amount you actually use, not the entire sanctioned limit. Perfect for businesses, traders, and professionals needing working capital flexibility.

OD Facility Highlights

Loan Amount
₹5 Lakhs to ₹5 Crore
Interest Rate
From 9.5% p.a. (only on used amount)
Tenure
12 to 36 months (renewable)
Revolving Credit
Withdraw & repay anytime
Quick Sanction
Pre-approved in 72 hours
Security
Property / FD / Business turnover

Types of OD Facility

OD Against Property
Residential or commercial property used as collateral for higher limits.
OD Against FD
Get up to 90% of your Fixed Deposit value as a revolving credit line.
OD Against Turnover
Business OD sanctioned based on your last 12 months bank turnover.
OD Against Receivables
Get funds against invoices or book debts outstanding with buyers.

Eligibility Criteria

  • Indian resident — individual, proprietor, or company
  • Business with minimum 2 years of stable operations
  • Valid security (property, FD, or business assets)
  • Minimum annual turnover ₹30 Lakhs (for turnover-based OD)
  • CIBIL score 700 or above

How It Works

1
Apply Online

Submit your application with basic business and personal details.

2
Property Valuation

Our team evaluates your collateral or reviews your bank statements.

3
Limit Sanctioned

OD limit is sanctioned and linked to your bank account.

4
Draw Anytime

Withdraw funds as needed and repay flexibly — interest only on used amount.

Apply for OD Facility
Apply Now +91 8577080048
Documents Required
  • Aadhaar & PAN Card
  • Last 2 years ITR with computation
  • Last 12 months bank statements
  • Business registration proof
  • Property documents (if applicable)
  • Latest audited balance sheet
Key Benefit
Pay interest only on the amount used — not the full sanctioned limit!

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