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Personal Over Draft

A Personal Loan Overdraft is a flexible, unsecured financial product that allows borrowers to access funds as needed without collateral. It offers a credit limit for withdrawals anytime and anywhere, with convenient repayment terms. This loan is available to various professionals, including doctors, chartered accountants, engineers, and government or private sector employees. It's ideal for managing unexpected expenses or funding ongoing projects, providing a hassle-free alternative to traditional loans.

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Acceptance Criteria

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Individual/ Salaried/ Professionals  Employee

Salary Required: 30,000.00 P.M.
Applicant CIBIL Score: 700 & Above
Applicant Age Requirement: Applicants must be between 22 to 60 years 

Offer Loan Amount
Minimum Amount : 100,000.00
Maximum Amount : 75 Lakhs
Rate of Interest (%)
Minimum ROI Start From : 12.49 % P.A.
Maximum ROI : 18.50 % P.A.
Loan Tenure
Minimum Tenures : 06 Months
Maximum Tenure : 60 Months
Applicant Documents Required

Individual/ Salaried/ Professionals  Employee

1. PAN Card: For Company/ Firm/ Individual

2. Identity Proof: Copy of Aadhaar Card/ Passport/ Voters ID card/ Driving License/ PAN Pan Card

3. Address Proof: Copy of Aadhaar Card/ Passport/ Voters ID Card/ Driving License

4. Bank Statements: Last 6 Months

5. Salary Slip: Last 3 months for salaried professionals (if Available) 

6. Live Photo: A current photo of the applicant

Features and Benefits
  • 24/7 instant access to funds
  • Continuous access to a pre-determined line of credit
  • Flexibility in repaying the amount borrowed
  • Pay interest only on the amount utilised
  • Financial protection against unexpected financial emergencies
  • No collateral required.
  • Funds are often disbursed fast, making it easier for immediate financial needs
  • Borrowers can choose the tenure that suits their financial situation.
  • Competitive interest rates are often available