Maintain optimal cash flow and operational efficiency with our Overdraft and Cash Credit facilities. Perfect for managing day-to-day business expenses, inventory financing, and seasonal working capital requirements.
Draw and repay as needed
Funds available 24/7
On amount utilized
Comprehensive financing solutions for your business operations
Working Capital Overdraft (OD) and Cash Credit (CC) loans are revolving credit facilities that provide businesses with flexible access to funds for their day-to-day operational needs. Unlike term loans, these facilities allow you to draw funds as needed and repay them as your cash flow permits.
OD facilities are typically unsecured or lightly secured, while CC loans are secured against your business assets or inventory. Both are ideal for managing working capital requirements, seasonal fluctuations, and maintaining smooth business operations.
A flexible credit facility that allows you to withdraw more than your account balance up to a predetermined limit. Perfect for short-term cash flow management.
A secured revolving credit facility against your business assets, inventory, or receivables. Suitable for businesses requiring higher credit limits.
Draw and repay funds multiple times within the approved limit without reapplying
Use funds for inventory purchases, payroll, utilities, or any operational expenses
Access funds instantly through your business account whenever needed
Pay interest only on the amount utilized, not the entire sanctioned limit
Short-term facilities typically ranging from 6 months to 3 years
Streamlined process with minimal documentation requirements
Why choose OD/CC facilities for your working capital needs
Bridge temporary cash flow gaps and manage seasonal business fluctuations effectively.
Access funds instantly for day-to-day expenses, inventory purchases, and business opportunities.
Seize growth opportunities without waiting for customer payments or seasonal revenues.
Protect your business from cash flow disruptions and maintain operational continuity.
Quick approval process with basic financial documents and credit assessment.
Attractive interest rates starting from 10% per annum, depending on your credit profile.
Industries and scenarios where OD/CC loans work best
Manage inventory purchases, seasonal stock, and cash flow gaps between sales cycles.
Finance raw material purchases, production costs, and working capital requirements.
Cover fuel costs, vehicle maintenance, and operational expenses during lean periods.
Manage seasonal fluctuations, payroll, and day-to-day operational costs.
Finance material purchases, labor costs, and project-related working capital needs.
Cover software development costs, equipment purchases, and operational expenses.
Requirements for working capital OD/CC loan facilities
Simple process to get your working capital OD/CC facility
We evaluate your business financials, credit history, and working capital requirements.
Receive sanctioned limit based on your business profile and repayment capacity.
Complete necessary paperwork and security documentation for the facility.
Access funds instantly through your business account as and when needed.
Prepare these documents for a smooth application process
Understanding the terms and conditions of OD/CC facilities
OD: Up to ₹5 crores
CC: Up to ₹10 crores
Starting from 10% p.a.
Variable rates based on MCLR + spread6 months to 3 years
Reviewable annually based on performance0.5% to 1.5%
One-time fee at sanctionOD: Unsecured/Light
CC: Secured
3-7 working days
After document submissionCalculate your monthly EMI and plan your working capital OD/CC loan repayment schedule
Common questions about working capital OD/CC loans
OD (Overdraft) is typically unsecured or lightly secured with lower limits, while CC (Cash Credit) is secured against business assets with higher limits. Both are revolving credit facilities, but CC offers better rates for larger amounts.
Loan amounts depend on your business turnover, credit score, and financial health. OD limits typically range from ₹1 lakh to ₹5 crores, while CC can go up to ₹10 crores or more based on collateral value.
OD can be unsecured for small amounts and good credit profiles. For larger limits, light security like personal guarantee or fixed deposits may be required. CC always requires collateral like business assets or inventory.
Interest is calculated daily on the outstanding balance and charged monthly. You only pay interest on the amount you actually use, not on the entire sanctioned limit.
Yes, you can access funds 24/7 through your business account, online banking, or ATM withdrawals up to your sanctioned limit, subject to daily limits set by your bank.
Contact us immediately if you're facing cash flow issues. We can help restructure payments, provide temporary relief, or suggest alternative financing options to support your business continuity.
Get a working capital OD/CC facility that matches your business needs and ensures smooth operations year-round.