A flexible revolving credit line for your business. Withdraw funds as needed, repay anytime, and pay interest only on the amount you use — not the entire sanctioned limit.
Bank approves an OD limit (e.g. ₹50 Lakh) based on your turnover & credit profile.
Withdraw any amount within the sanctioned limit whenever you need funds.
Interest charged only on the amount withdrawn, not on the total limit.
As you repay, the credit becomes available again — truly revolving!
Unlike term loans, OD is revolving — repay and reuse without fresh application.
Pay interest only on the outstanding balance, not on the full limit — great savings.
Access your OD account anytime via netbanking, cheque, or ATM.
OD limits are renewed annually — simple process with no heavy documentation.
Secured OD against property, FD, or stocks. Unsecured options also available.
Estimate your monthly interest cost based on your average OD utilization.
Est. Monthly Interest
Annual Interest Cost
₹0Effective OD Used
₹0| Business Vintage | Minimum 3 years |
| Annual Turnover | ₹30 Lakh and above |
| CIBIL Score | 700 and above |
| Collateral | Property / FD / Stock (for Secured OD) |
| Account | Active current account with bank |