OD / CC limit · Gurugram
Loan Lene Ka Sahi Tarika
Business OD limit in Gurugram, for long payment cycles
Your Manesar buyer pays weeks after delivery, but wages and raw material can't wait. An OD limit lets a Gurugram firm draw for that gap and pay it back when the invoice clears.
◆ ProperPaisa promise ◆
₹0 fee · Doorstep documents
Just your name and number. Your advisor calls you back on working days.
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 Gurugram
Component suppliers on payment terms
You deliver, raise the invoice and wait. The limit carries wages and material purchases through that stretch.
Distributors and traders on Sohna Road
Stock comes in, goes out on credit and the money returns later. One revolving limit replaces a string of short loans.
Firms whose limit hasn't kept up
Turnover has doubled but the CC limit hasn't moved. After 12 months of regular use, another lender may take it over and size it higher.
Good to know in Gurugram
- Interest runs only on the amount drawn, for the days it's out. An unused limit costs no interest, though renewal or processing fees may apply as per the lender.
- The size of the limit follows your turnover, GST filings and the money moving through your current account each month. Routing receipts through one account helps.
- Expect the lender to review the limit once a year before renewing it. Keep financials and GST returns current before renewal so the review doesn't hold things up.
- Some lenders give a larger limit against property, such as a flat in a Sohna Road society or a commercial unit in Gurugram. Your advisor prices secured and unsecured options together.
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.
Our Gurugram 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 Gurugram: questions
Can an IMT Manesar supplier get a CC limit based on its receivables?
Yes, many lenders set limits for suppliers on turnover and debtors, given 2+ years of history and ₹30 lakh+ turnover. Some ask for stock and debtor statements every month.
Is an OD limit useful for a new office on the Dwarka Expressway?
For the fit-out, a term loan usually fits better since it's a one-time spend. Once the office is running and billing, an OD helps with month-to-month cash flow.
Can I visit your Sector 48 office to talk about a limit?
Yes. We're in Tikri, Sector 48, Gurugram, near the SBI ATM off Sohna Road, Monday to Saturday. Bring your last two years' ITR and GST returns if you can.
Is there a charge for comparing OD offers?
No. Comparing and applying through ProperPaisa costs you ₹0. Lender fees, if any, are the lender's own and shown upfront.
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.