Working Capital
Business Overdraft up to ₹50 Lakhs
Flexible overdraft facility for businesses and professionals. Pay interest only on the amount you use — revolving credit from 15+ banks.
Starting ROI
10.50%
Max Amount
₹50 Lakhs
Tenure
Renewable
Processing
48 Hours
Why choose Overdraft?
Compare offers from 15+ trusted lenders
- Pay interest only on the amount withdrawn, not full limit
- Revolving facility — repay and redraw within limit
- Ideal for working capital, GST payments & short-term gaps
- Compare OD rates from HDFC, ICICI, Axis, SBI & more
Eligibility
- •Business vintage: 2+ years (1+ for some banks)
- •Minimum annual turnover: ₹25 Lakhs+
- •Current account with the bank preferred
- •CIBIL score: 680+ for best OD limits
Documents Required
- •KYC of proprietors / directors
- •GST returns & financials — last 2 years
- •Last 12 months bank statements (current account)
- •Business registration / partnership deed
How to apply online
100% digital · No branch visit · Free eligibility check
01
Share details
Mobile, income & loan requirement — under 2 minutes.
02
Compare offers
We match your profile with 15+ banks & NBFCs.
03
Choose & apply
Pick the best rate, EMI and tenure for you.
04
Get disbursal
Digital docs & fast credit to your bank account.
Overdraft — Compare Top Offers
Rates updated regularly. Final offer depends on your profile and lender policy.
| Lender | Rate / Premium | Fee | Amount / Cover | Tenure | Action |
|---|---|---|---|---|---|
| HDFC BankBest Offer | 10.50% – 14.00% | Up to 1% | Up to ₹50L | 12M renewable | Apply |
| ICICI Bank | 10.75% – 14.50% | Up to 1% | Up to ₹40L | 12M renewable | Apply |
| Axis Bank | 11.00% – 15.00% | Up to 1.5% | Up to ₹35L | 12M renewable | Apply |
| SBI | 10.25% – 13.50% | Up to 0.5% | Up to ₹50L | 12M renewable | Apply |
Frequently Asked Questions
OD is a revolving credit line linked to your current account. You can withdraw up to the sanctioned limit and pay interest only on the utilised amount.