A Credit Line That's
Ready Whenever
Your Business Needs It
Overdraft, Cash Credit, and Micro Loans for small businesses and individuals who need flexible, on-demand funds — not a fixed lump sum sitting idle.
Overdraft (OD)
Withdraw beyond your account balance up to a pre-approved limit, usually against fixed deposits, property, or salary account relationship.
From 10.8% p.a.Cash Credit (CC)
A revolving business credit line secured against stock, inventory, or receivables — built specifically for working capital cycles.
From 11.5% p.a.Micro Loan
Small-ticket loans for micro-entrepreneurs, self-employed individuals, and small traders who need quick, minimal-documentation funding.
From 13% p.a.Credit That Flexes With Your Cash Flow
Unlike a term loan where you receive a fixed amount and repay it on a set schedule, an Overdraft, Cash Credit, or Micro Loan gives you a sanctioned limit that you draw from as needed — and you only pay interest on the amount actually utilized, not the full limit.
This makes these products ideal for managing seasonal cash flow gaps, unexpected expenses, or day-to-day working capital needs without locking you into a large fixed EMI.
OD vs CC vs Micro Loan
Each product suits a different need — here's how they stack up.
| Parameter | Overdraft (OD) | Cash Credit (CC) | Micro Loan |
|---|---|---|---|
| Best For | Salaried/FD holders needing buffer funds | Businesses with stock/receivables | Small traders & micro-entrepreneurs |
| Interest Rate | 10.8% – 14% p.a. | 11.5% – 15% p.a. | 13% – 20% p.a. |
| Max Limit | Up to ₹50,00,000 | Up to ₹75,00,000 | Up to ₹10,00,000 |
| Security Required | FD, property, or salary tie-up | Stock/inventory hypothecation | Usually unsecured |
| Interest Charged On | Amount utilized only | Amount utilized only | Full disbursed amount |
| Renewal | Annual review | Annual review | Fixed tenure, no renewal |
Term Loan vs Credit Line
Traditional Term Loan
You receive the full sanctioned amount upfront and repay it through fixed EMIs over the tenure, regardless of whether you need all the funds immediately.
OD / CC Credit Line
You get a sanctioned limit but draw only what you need, when you need it. Interest is calculated daily on the outstanding utilized balance, not the full limit.
What You'll Need to Qualify
For OD / CC
- Business or salaried relationship of 1+ year with the bank
- For CC: registered business with stock/inventory records
- For OD: fixed deposit, property, or salary account tie-up
- CIBIL score of 700 or above preferred
- GST returns and financial statements (for CC)
For Micro Loan
- Age 21–60 years
- Small trader, shopkeeper, or micro-entrepreneur
- Minimum 1 year of business activity
- Basic KYC and business address proof
- No major default history
What You'll Need to Apply
Flexibility Built Into the Structure
Pay Only for What You Use
Interest applies only to the utilized portion, not the full limit.
Redraw Anytime
Repay and withdraw again within your limit as often as needed.
Quick Activation
Most limits are activated within 48 hours of approval.
Minimal Docs for Micro Loans
Simple KYC and basic business proof — no lengthy paperwork.
Annual Renewal
Limits are reviewed and can increase as your usage history builds.
Dedicated Advisor
One advisor manages your limit setup and annual renewal.
From Application to Active Credit Line
Share Your Requirement
Tell us whether you need OD, CC, or a Micro Loan, and your expected usage.
Document Submission
Submit KYC, business, and financial documents through your advisor.
Limit Assessment
Lender evaluates your income/turnover and security to set your limit.
Account Activation
Your credit line or micro loan account is activated and ready to use.
OD / CC & Micro Loan Questions Answered
Ready for a credit line that works your way?
Free consultation, transparent terms, no hidden charges. Our advisors respond within hours.