Overdraft & Cash Credit

Flexible Credit for Daily Business Operations

Manage working capital efficiently with Overdraft (OD) and Cash Credit (CC) facilities. Access funds whenever required and pay interest only on the amount utilized.

Credit Facility

Improve Cash Flow Without Financial Stress

An Overdraft (OD) or Cash Credit (CC) facility provides businesses with instant access to funds for managing daily operational expenses, seasonal demand, inventory purchases, and unexpected cash flow requirements.

Interest is charged only on the amount utilized, making it one of the most flexible financing options for businesses.

✔ Pay Interest Only on Used Amount
✔ Flexible Withdrawal & Repayment
✔ Higher Working Capital Efficiency
✔ Quick Processing
✔ Business-Friendly Financing

Features

Benefits of OD / CC Facility

Flexible Withdrawals

Withdraw funds whenever required within your approved limit.

Interest on Usage

Pay interest only on the utilized amount instead of the total sanctioned limit.

Reusable Credit

Reuse your available credit after repayment without applying again.

Quick Access

Access funds instantly to meet urgent business needs.

Improve Cash Flow

Maintain smooth day-to-day business operations.

Trusted Lending Partners

Assistance in choosing the right bank or NBFC based on your business profile.

Ideal For

Use Your OD / CC Limit For

Inventory Purchase

Purchase stock without disturbing cash reserves.

Salary Payments

Ensure timely payroll during temporary cash shortages.

Vendor Payments

Maintain healthy supplier relationships through timely payments.

Working Capital

Meet daily operational expenses and seasonal business demands.

Eligibility Criteria

Who Can Apply?

Business Entities

Proprietorships, Partnership Firms, LLPs, Private Limited Companies, and MSMEs can apply.

Healthy Business Performance

Businesses with stable turnover, good banking history, and repayment capacity are generally preferred.

Business Vintage

Most lenders require the business to be operational for at least 2–3 years.

Required Documents

Documents Checklist

KYC Documents

Aadhaar Card, PAN Card, Passport, Driving License, or Voter ID.

Business Proof

GST Certificate, Udyam Registration, Shop Act License, Partnership Deed, or Certificate of Incorporation.

Financial Documents

Bank Statements, ITR, Balance Sheet, Profit & Loss Account, and GST Returns.

Office Address Proof

Utility Bill, Rental Agreement, or Property Ownership Documents.

Application Process

Get Your Credit Facility in 4 Steps

Submit Inquiry

Share your business details and funding requirements.

Document Verification

Submit the required business and financial documents for verification.

Limit Sanction

After assessment, your OD/CC limit is approved by the lending institution.

Start Using Funds

Withdraw and repay funds as needed within your sanctioned credit limit.

Frequently Asked Questions

OD / CC Limit FAQs

What is the difference between OD and CC?

An Overdraft (OD) facility is generally linked to a bank account, while Cash Credit (CC) is commonly provided against business inventory or receivables to meet working capital needs.

Do I pay interest on the full sanctioned amount?

No. Interest is usually charged only on the amount actually utilized, subject to your lender's terms.

Can I reuse the available limit?

Yes. As you repay the utilized amount, the available credit limit is restored and can be used again.

Keep Your Business Cash Flow Strong

Talk to our finance experts today and find the right Overdraft or Cash Credit solution for your business.

Apply for OD / CC Limit