OD / CC limit · Najafgarh
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OD limit in Najafgarh, for shops that sell on udhaar
If your Najafgarh shop gives credit to regular customers, a business OD limit sits beside your current account, so you draw when the supplier wants paying and bring it down as dues come in.
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OD / CC limit at a glance
- Starting rate11.50%*p.a., on the amount you use
- InterestOn usageOnly for the days you use it
- LimitTurnover-basedSized on turnover and banking
- Our fee₹0Plus processing fee refund up to ₹7,670 from ₹10 lakh*
*Starting rate as of October 2026 for eligible profiles; rates change from time to time. Final rate, limit, fees and approval are decided by the lender based on your profile.
Who it suits in Najafgarh
Wholesalers supplying village shops
Your money is out with retailers for weeks at a time. A limit covers the supplier's bill in the meantime, and you pay interest only for those days.
Building-material and hardware dealers
Orders spike when construction picks up in the newer colonies. Draw for the busy months and let the limit sit unused when it's quiet.
Festive-season sellers
Shops that do a big share of the year's business around Diwali and weddings can draw heavily for a few weeks, then clear it as stock sells.
Good to know in Najafgarh
- A limit is sized on turnover and how your account is run. Frequent cheque returns, or a limit that stays fully drawn for months, count against you at review.
- Lenders want 2+ years in business and ₹30 lakh or more in yearly turnover, backed by GST returns and ITR.
- Bigger limits are often given against property. Here that means checking first whether a lender accepts your shop's or home's papers, since each lender treats Lal Dora and colony property differently.
- Renewal usually comes every 12 months. Keep stock statements and returns ready so the review doesn't hold up your Diwali buying.
Lenders we compare
One application, compared across the lenders that fit your profile. Your loan agreement is always with the lender.
You share your details once — ₹0 fee
ProperPaisa (bank-authorized DSA) takes your file to the right lenders
Bank / NBFC sanctions the loan — your agreement is with them
Personal and business loans come from private banks and NBFCs only — not government banks.
HDFC BankPrivate bank
ICICI BankPrivate bank
Axis BankPrivate bank
Kotak Mahindra BankPrivate bank
IndusInd BankPrivate bank
Yes BankPrivate bank
IDFC FIRST BankPrivate bank
IDBI BankPrivate bank
Federal BankPrivate bank
RBL BankPrivate bank
Bandhan BankPrivate bank
AU Small Finance BankPrivate bank
Ujjivan Small Finance BankPrivate bank
Shivalik Small Finance BankPrivate bank
Standard CharteredPrivate bank
Deutsche BankPrivate bank
Bajaj FinanceNBFC
Tata CapitalNBFC
Aditya Birla CapitalNBFC
Poonawalla FincorpNBFC
L&T FinanceNBFC
IIFL FinanceNBFC
Cholamandalam FinanceNBFC
HDB Financial ServicesNBFC
Logos are trademarks of their owners and identify lenders we work with, directly or through our channel partner; they do not imply endorsement.
How an OD limit works
The lender sanctions a limit. You draw from it when you need cash, repay when payments come in, and draw again. Interest runs only on the amount you have drawn, for the days you use it — so an unused limit costs no interest. Limits are usually reviewed and renewed every 12 months.
Served from our Bahadurgarh — Rohtak Road office
Najafgarh is a short drive from Bahadurgarh along Najafgarh Road, well within our 60 km doorstep-service area. You are welcome to visit our head office on Rohtak–Delhi Road.
ProperPaisa — Bahadurgarh — Rohtak Road
Metro Pillar No. P-814, Shyamji Complex, L-2 Ground Floor, Rohtak-Delhi Rd, near HDFC Bank, Ram Nagar, Bahadurgarh, Haryana 124507
Mon–Sat, 9:30 AM – 6:30 PM · Sunday closed
99962 49019Directions in Google Maps →OD / CC limit in Najafgarh: questions
Can I get an OD limit without putting up my Najafgarh property?
Some lenders offer unsecured limits to businesses with strong banking, though they're usually smaller. A secured limit against a house or shop with clear title tends to be larger.
How is this different from the running account my supplier gives me?
Supplier credit is tied to one supplier and often priced into the goods. A lender's limit is cash you can use with any supplier, and interest runs only on the amount drawn.
Will the lender visit my shop in Najafgarh?
Usually, yes. Most lenders do a site visit before sanctioning a limit, and your advisor fixes a time so you're not pulled away mid-sale.
What does it cost to apply through you?
Nothing on our side. The lender may charge a processing or renewal fee under its own policy, and you see it before accepting.
ProperPaisa is not a lender. We are an authorised DSA (Direct Selling Agent) of our partner banks and NBFCs, directly or through our channel partner. Loans are sanctioned solely by the lender; rates, fees and approval depend on your profile and lender policy. ProperPaisa's service is ₹0 for customers. Coin and fee-refund benefits apply to qualifying disbursals only; T&C apply. Tanishq is a trademark of Titan Company Ltd. and Kalyan Jewellers of Kalyan Jewellers India Ltd.; coins are bought at retail and ProperPaisa is not affiliated with either.