Flexible Working Capital Solutions

Overdraft &
Cash Credit

Get flexible working capital facilities for your business. Pay interest only on the amount you use. No collateral required for small businesses.

9.5%

Starting Rate p.a.

₹5 Cr

Max Limit

24/7

Funds Availability

OD / CC Facility

Apply now and get approval within 48 hours

Full Name *

Mobile Number *

Business Type *

Facility Type

Annual Turnover

Pincode *

I have read and accept the Terms of Use

Why Choose OD / CC from Us?

Get the most flexible working capital solutions for your business

Pay Only What You Use

Interest charged only on the amount you withdraw, not on the full limit. Save on interest costs.

24/7 Fund Access

Access funds anytime, anywhere through online banking, cheques, and debit cards.

Minimal Documentation

Quick processing with just 5-6 basic documents. Get your limit approved within 3 days.

Dedicated Support

Our team of experts guides you through the entire process and helps manage your facility.

Overdraft vs Cash Credit

Choose the right working capital facility for your business

Overdraft (OD)

9.5% p.a. onwards

Withdraw up to approved limit
Interest on utilized amount only
No fixed repayment schedule
Can be repaid anytime
Best for short-term needs
Secured against current assets

Cash Credit (CC)

9.8% p.a. onwards

Withdraw up to sanctioned limit
Interest on utilized amount only
Regular repayment schedule
Interest paid monthly/quarterly
Best for working capital needs
Secured against inventory & receivables

Key Benefits

Why OD / CC is the smart choice for your business

Cost-Effective

Pay interest only on the amount you use, saving on overall interest costs

Flexible Access

Access funds anytime, anywhere through multiple channels

Revolving Facility

Once you repay, the amount becomes available again for future use

Quick Processing

Minimal documentation and fast approval within 3-4 days

Am I Eligible?

Quick eligibility criteria for OD / CC facilities

Business Vintage

Min. 2 years in operation
Stable business history

Annual Turnover

Min. ₹10 Lakh per year
Audited financials required

Credit Score

CIBIL score 700+
Good repayment history

Documents

ITR, GST, Bank statements
Business proof & KYC

Overdraft & Cash Credit Facility

Overdraft (OD) and Cash Credit (CC) are flexible working capital facilities designed to help businesses manage their day-to-day operations efficiently. These facilities allow you to withdraw funds up to a sanctioned limit and pay interest only on the amount you actually use.

💡 Key Feature: Pay interest only on the amount you utilize, not on the entire sanctioned limit. This makes OD/CC one of the most cost-effective working capital solutions for businesses.

Key Features

Interest on Utilized Amount

Pay interest only on the amount you withdraw, not on the full limit.

24/7 Fund Access

Access funds anytime through online banking, cheques, and debit cards.

Revolving Facility

Once you repay, the amount becomes available again for future use.

Minimal Documentation

Quick processing with just 5-6 basic documents.

Wide Range of Banks

Choose from 30+ banks and NBFCs for the best rates.

High Credit Limit

Get working capital limit up to ₹5 Crore for your business.

Documentation Required

KYC Documents: PAN Card, Aadhaar Card, Passport/Driving License
Business Proof: GST Registration, Business License, Shop Act
Financial Documents: ITR (last 2 years), Audited Balance Sheet, Profit & Loss Statement
Bank Statements: Last 6 months bank statements
Business Address Proof: Utility bill, Rent agreement, Property papers

How to Apply

Step 1: Fill the application form above with your business details
Step 2: Submit your documents for verification
Step 3: Get approval from our partner bank
Step 4: Facility activated and funds available

Ready to Get Flexible Working Capital?

Connect with our experts today and get the best OD / CC facility for your business

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