OD / CC limit · Faridabad
Loan Lene Ka Sahi Tarika
OD / CC limit in Faridabad, for the gap between dispatch and payment
In Faridabad's industrial sectors, winning the order is the easy part. Payment often lands two or three months after dispatch. A CC limit pays for steel, castings and wages in that gap.
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OD limit for Faridabad units, in 22 seconds
- Casting and auto-part units often wait two to three months for the buyer's payment, while steel and wages cannot wait.
- ProperPaisa checks your turnover and GST returns and looks for the right limit across 25+ lenders, at ₹0 fee to you.
- The lender takes the final decision on amount and rate.
What the video says
Faridabad se casting ya auto-parts bhejte ho, aur buyer ka payment do-teen mahine baad aata hai? CC limit se steel aur wages us gap mein chalte hain. ProperPaisa aapke turnover aur GST returns dekh kar 25+ lenders mein sahi limit dhoondhta hai. Google pe search kariye, ProperPaisa Gurugram.
AI-generated video. ProperPaisa is a bank-authorised loan partner (DSA), not a lender. Approval, rate and fees are decided by the lender. T&C apply.
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 Faridabad
Vendors to large manufacturers
If your bills go to bigger companies on long credit terms, the limit keeps your own suppliers and workers paid on time while you wait.
Electroplating and surface-treatment units
Plating units buy chemicals and pay power bills every month, whatever the order book looks like. A revolving limit evens that out.
Businesses that have outgrown an old limit
A limit set three years ago on lower turnover can choke a growing unit. We check whether another lender will size it on today's numbers.
Good to know in Faridabad
- Limits are sized on turnover, GST returns and how the current account behaves. Frequent cheque returns, or a limit kept fully drawn all year, count against you.
- A secured CC limit against the factory or a house usually goes higher than an unsecured OD. For an HSVP or HSIIDC industrial plot, the authority's mortgage permission becomes part of the file.
- Expect a renewal every 12 months, and keep stock and debtor statements ready because many lenders ask for them during the year.
- A limit can usually be moved to another lender after about 12 months of regular use. Your advisor handles that paperwork on call and WhatsApp, with a visit to your Faridabad unit if you want one.
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.
How we serve Faridabad
For Faridabad, your advisor works with you on phone and WhatsApp, shares each offer and follows up with the lender until disbursal. If you'd like to meet, our executive visits your home, shop or factory, and you're welcome at our Gurugram branch in Sector 48 off Sohna Road too. Your advisor shares offers and deal details on call and WhatsApp, you send documents online, and we follow up with the lender until disbursal. Want to meet in person? Our executive visits your home, shop or office.
ProperPaisa — Gurugram — Tikri
Shop No 12 Titri, near by Sbi Atm, Tikri, Sector 48, Gurugram, Haryana 122018
Mon–Sat, 9:30 AM – 6:30 PM · Sunday closed
90344 40129Directions in Google Maps →OD / CC limit in Faridabad: questions
Can stock and receivables from my Faridabad unit back the limit?
Yes, that's how a CC limit normally works. The lender sets a drawing power from your stock and debtors, and for larger limits many also want property as collateral.
What if most of my sales go to one big buyer?
Lenders will notice the concentration. A long, clean payment record from that buyer helps, and adding a second or third regular customer helps more.
Is interest charged on the full limit?
No, only on the amount drawn and only for the days it stays out. An idle limit costs no interest, though renewal or processing fees follow the lender's policy.
Does ProperPaisa charge for setting up a limit?
Not a rupee. Lenders pay us as their authorised partner, and their own fees are shown to you before you go ahead.
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.