Cash Credit & Overdraft
A revolving limit for your business — pay interest only on what you use.
Revolving limitInterest on usageRenewable yearly
At a glance
Secured loanBacked by the asset being financed or pledged
40+ lenders comparedSo your file goes where it fits best
Documents shared onceWe prepare and log your file with the lender
No charges to applyThe lender's own fees are disclosed in its sanction
Why take your cash credit & overdraft through us
Draw and repay freely
Use the limit when you need it and repay when collections come in.
Interest only on usage
You pay interest on the amount used, for the days it is used.
Stock & receivables
Cash credit limits are commonly set against stock and book debts.
Eligibility & documents
A quick check before you apply. Your advisor confirms the exact list for your lender.
Who can apply
- Operating business with GST and ITR
- Stock and receivable statements
- Collateral as required by the lender
- Good banking conduct
Documents you'll need
- PAN Card
- Aadhaar Card
- Photo
- Bank Statement (6 months)
- Address Proof
- Salary Slips (3 months)
- Form 16
- Property Papers
- PAN Card
- Aadhaar Card
- Photo
- Bank Statement (6 months)
- Address Proof
- ITR (2 years)
- Business Proof
- Property Papers
* Indicative. Criteria differ between lenders; the lender decides.
Estimate your EMI
Adjust the amount, rate and tenure to see what fits your monthly budget.
₹50K₹5 Cr
6%30%
1 yr30 yrs
Your monthly EMI
—
Principal—
Total interest—
Total payable—
For illustration only. The actual EMI depends on the rate, fees and tenure the lender offers you.
Year-by-year repayment schedule
| Year | Principal paid | Interest paid | Balance |
|---|
Cash Credit & Overdraft — questions
What is the difference between CC and OD?
Cash credit is usually set against stock and receivables; an overdraft is often against property or deposits. Both are revolving limits.
2-minute form
Apply for a cash credit & overdraft
Leave your details and a loan advisor will call you back to understand your need, check eligibility and suggest the right lenders.
1
We call you backTo understand your requirement
2
We shortlist lendersBased on your income and credit profile
3
You choose, we processDocuments, login and follow-up handled