OD / CC Limit
Flexible Overdraft & Cash Credit for Your Working Capital Needs
Loan up to
₹10 Cr
Tenure
12 Months (Renewable)
Processing Fee
0.5% - 2%
OD / CC Limit EMI Calculator
Calculate your monthly EMI instantly
Monthly EMI
₹1,76,064
Total Interest
₹1,12,773
Total Payment
₹21,12,773
About OD / CC Limit
Overdraft (OD) and Cash Credit (CC) facilities provide flexible working capital where you pay interest only on the amount used. Ideal for managing day-to-day business operations, inventory purchase, and bridging payment gaps. Annual renewal, easy operation through your current account.
Key Features & Benefits
Pay Interest on Usage
Save big on costs
High Limits
Up to ₹10 Cr based on turnover
Annual Renewal
Easy renewal process
Flexible Usage
Withdraw & repay anytime
Quick Setup
Same bank: 2-3 days
No Fixed EMI
Interest debited monthly
Eligibility Criteria
For Salaried
- Business: 2+ years vintage
- Min turnover: ₹50L
- Credit score: 700+
For Self-Employed
- Existing banking relationship preferred
- Collateral: Stocks/Receivables/Property
- No major defaults
Documents Required
Business
- •GST, Udyam, Trade License
- •PAN of business + promoters
Financial
- •Audited financials (2 years)
- •GST returns (12 months)
- •Bank statement (12 months)
Collateral
- •Stock statement (monthly)
- •Property documents (if mortgage)
- •Hypothecation deeds
Interest Rates Comparison
Application Process
Apply
Submit business details
Assessment
Turnover & collateral check
Sanction
Limit approved
Documentation
Charge creation
Activation
Use from current account
Frequently Asked Questions
Apply for OD / CC Limit
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