A safety net
that earns its keep.
A pre-approved credit line linked to your bank account. Withdraw when you need, repay when you can — and pay interest only on what you actually use.
Cash flow flexibility,
without the cost of a term loan.
Unlike a regular loan where you pay EMIs on the full amount from day one, an overdraft only charges you when — and to the extent — you actually use it. It's the smartest way to keep working capital ready.
Zero Maintenance Charges
No annual fees, no hidden upkeep charges. You keep the facility open at zero cost.
Pay Only for What You Use
Interest charged only on the amount and days you actually utilise — not on the full sanctioned limit.
Instant Withdrawals
Draw funds anytime, any day, straight from your OD account to your bank account.
Revolving Credit
Repay to reduce interest, redraw whenever you need. It's a lifetime working capital cushion.
Limits up to ₹5 Crores
For salaried, self-employed, and businesses. Limit basis income, turnover, or collateral.
No Prepayment Penalty
Deposit any surplus into the OD account and instantly reduce your interest cost.
See exactly what your OD will cost.
Formula: Interest = Utilized × (Rate / 365) × Days. No fees on unused limit. Reduce interest anytime by repaying — no lock-in.
Which one fits your need?
Do you qualify?
If you meet these basics, we're ready to talk. Final limit and rate are set during application review.
Only the paperwork we truly need.
- PAN Card
- Aadhaar Card
- Passport / Voter ID
- Aadhaar / Passport / Utility bill
- Rent agreement (if applicable)
- 3 months salary slips
- 12 months bank statements
- Form 16 / ITR
- 2 years ITR
- GST returns / Udyam certificate
- 12 months current-account statements
Keep your cash flow ready.
Open an overdraft facility today with no annual fee — use it only when you need it.