Over Draft / Cash Credit
OD Limit - Optimize your short-term cash management needs with an Overdraft facility. Withdraw money as and when required and pay interest only on the amount used.
CC Limit - A revolving working capital facility specifically designed for businesses to manage their daily operational expenses such as inventory, salaries, and vendor payments.
Over Draft (OD) Limit
Key Benefits
Interest Accrues Only on the Used Amount
Flexible Withdrawal & Repayment
Enhances Business Cash Flow
No Requirement to Apply for a New Loan Each Time
Fast Track Sanction & Renewal
Can be Secured or Unsecured (Profile Based)
Useful for Managing Seasonal Working Capital Requirements
Eligibility Criteria
Salaried Individuals (Against Salary / FD – Case Based)
Self-Employed Professionals & Business Owners
Minimum Business Vintage: 1-2 Years (for business OD)
Stable Income / Turnover
Good CIBIL Score (650+ Preferred)
Active Bank Account with Healthy Transactions
Required Documents
KYC Documents
Aadhaar Card
PAN Card
Address Proof
Income / Business Documents
Last 6-12 Months Bank Statements
ITR (1-2 Years)
Salary Slips (For Salaried Applicants)
Business Registration Proof (if applicable)
Additional Documents (If Secured OD)
Property / FD Documents
Existing Loan Statement (if any)
Processing Time
24-48 Hours Initial Approval
Verification Process: 2-4 Working Days
Limit Activation: Within 3-5 Working Days
Cash Credit (CC) Limit
Main Advantages
Revolving Credit Facility
Interest Paid Only on Used Amount
Greater Support for Working Capital
Renewable Every Year
Enhances Liquidity & Business Stability
Applicable for Manufacturing & Trading Operations
Secured Against Stock/Debtors/Property
Eligibility Criteria
Manufacturing, Trading, & Service Operations
Proprietorship/Partnership/LLP/Pvt. Ltd. Companies
Minimum Business Experience: 2-3 Years
Stable Turnover & Profitability
Good CIBIL Score (650+ Desired)
Stock & Debtors Statement Maintenance
Documents Required
KYC Documents
Aadhaar Card
PAN Card
Address Proof
Business Documents
GST Registration
Business Registration Certificate
Partnership Deed/MOA & AOA
Financial Documents
Last 2-3 Years ITR
Balance Sheet & Profit & Loss Statement
6-12 Months Bank Statements
GST Returns
Stock-Related Documents
Stock Statement
Debtors & Creditors List
CMA Data (if applicable)
Processing Time
2-4 Days Initial Approval
Financial & Stock Analysis: 3-7 Working Days
Limit Sanction & Activation: Within 5-10 Working Days