OD / CC limit · Delhi
Loan Lene Ka Sahi Tarika
OD / CC limit in West Delhi, for money that goes out and comes back
Much of the trade in West Delhi runs on credit. You pay suppliers now and collect from buyers 30 or 60 days later. A revolving limit covers that gap, and interest runs only on what you've drawn.
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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 Delhi
Distributors and wholesalers
Stock goes out on credit to retailers across the city. Draw on the limit to restock, then bring it down as collections come in.
Factories in Bawana, Narela and Mundka
Raw material is bought in bulk ahead of an order. A CC limit funds that purchase without locking you into fixed EMIs.
Firms sitting on an old limit
If the limit was set years ago and your turnover has grown a lot since, another lender may size it higher at renewal.
Good to know in Delhi
- Lenders size the limit on turnover, GST filings and how your current account behaves. Frequent cheque returns hurt more than one slow month.
- Expect most lenders to ask for 2+ years in business and ₹30 lakh or more in yearly turnover.
- Limits are typically renewed every 12 months. After 12 months of regular use, you can usually ask another lender to take it over, if it prices you better.
- Your advisor drives in from our Bahadurgarh office, a few minutes past Tikri Border, and collects returns and statements at your premises in Delhi.
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
We serve Delhi from our head office on Rohtak–Delhi Road in Bahadurgarh. Mundka is about 10 km away and central Delhi around 30 km; the Green Line metro runs from Mundka to Bahadurgarh if you want to visit.
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 Delhi: questions
My unit is in Bawana. Can the factory be offered as security for a bigger limit?
Possibly. DSIIDC plots often need the authority's permission before they can be mortgaged, so check your allotment terms first. Your advisor lists what the lender will ask for.
Can I get a CC limit if my godown in North-West Delhi is rented?
Some lenders give a limit backed by stock and receivables even on rented premises. Others want property as security for a larger limit, and your advisor tells you which way your file leans.
Is an OD better than a personal loan for business needs?
For a running business, usually yes. The limit stays open, you pay interest only for the days money is out, and it builds a banking record in the firm's name.
Is there a ProperPaisa fee for arranging the limit?
No. Our side is ₹0, as the lender pays us. Processing and renewal fees belong to the lender and are listed before you decide.
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.