Business OD / CC limit
Loan Lene Ka Sahi Tarika
Pay interest only on the money you use.
An overdraft limit for your business from 25+ private banks and NBFCs — from 11.50%* p.a. Draw, repay and draw again within your limit.
◆ ProperPaisa promise ◆
₹0 fee · Gold or silver coin · Fee back*
OD limits from 11.50%* p.a.
Just your name and number. Your advisor takes the rest on a call.
+20 more
- Interest only on what you useDraw, repay and draw again
- 25+ lenders, one applicationPrivate banks and NBFCs, side by side
- ₹0 fee to youPaid by the bank, just like its own sales team
- Doorstep documentsCollected from home or office, once
OD limit at a glance
Your final rate depends on your profile — your advisor brings you actual quotes from matched lenders.
- Starting rate11.50%*p.a., on the amount you use
- InterestOn usageFor the days you use it
- LimitTurnover-basedSized on turnover and banking
- Validity12 monthsRenewed on review (as per lender)
One application, compared across 25+ lenders — your advisor shows you each lender's rate, fee and terms side by side.
Check my rate →*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.
How an OD limit works
You get a limit. You draw from it when you need cash, and repay when payments come in. Interest runs only on the amount you have drawn, only for those days.
Example
Interest at 11.50% p.a. ≈ ₹3,781 — on ₹4 lakh, for 30 days.
Illustration only. The remaining ₹6 lakh of the limit stays available to you. Lender fees as per policy.
Three ways businesses overpay on working capital
A term loan for a revolving need
A term loan charges interest on the full amount from day one. An OD charges only on what you draw.
Keeping an old limit as it is
As your turnover grows, other lenders may offer a bigger limit or a better rate. Review it at renewal.
Applying at many lenders yourself
Every application adds an enquiry to your credit report. We send your file only where it fits.
Quotes
Your bank: 1
ProperPaisa: Offers from lenders matched to your business, side by side
Negotiation
Your bank: On your own
ProperPaisa: Your advisor pushes for a better rate, limit and fees
Paperwork
Your bank: Branch visits
ProperPaisa: Doorstep pickup, once
Extras
Your bank: —
ProperPaisa: Fee back up to ₹7,670 (from ₹10 lakh) + coin (from ₹5 lakh)
| Compare | Your bank, directly | Through ProperPaisa |
|---|---|---|
| Quotes | 1 | Offers from lenders matched to your business, side by side |
| Negotiation | On your own | Your advisor pushes for a better rate, limit and fees |
| Paperwork | Branch visits | Doorstep pickup, once |
| Extras | — | Fee back up to ₹7,670 (from ₹10 lakh) + coin (from ₹5 lakh) |
Private banks and NBFCs that understand business.
Business loans and OD limits come from private banks and NBFCs — all RBI-regulated. Your 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.
Happy customers
The right loan — and a gift to remember.
Real ProperPaisa customers, receiving their gift from their advisor after the loan was disbursed.
On qualifying loans, after disbursal: a 24K Tanishq gold coin or a 999 purity silver coin — the weight depends on your loan amount. The gift is from ProperPaisa; your lender is not involved.
See my offers →Tanishq is a trademark of Titan Company Ltd.; Kalyan Jewellers is a trademark of Kalyan Jewellers India Ltd. Coins are bought at retail. ProperPaisa is not affiliated with or endorsed by either company. T&C apply.
Diwali · on qualifying loans
24K Tanishq gold or 999 purity silver coin
999 purity silver coin from ₹5 lakh, 24K Tanishq gold coin from ₹20 lakh. The weight rises with your sanctioned limit.
- ₹5 lakh+ · 10g silver
- ₹10 lakh+ · 20g silver
- ₹20 lakh+ · 1g gold
- ₹30 lakh+ · 2g gold
- ₹50 lakh+ · 5g gold
After disbursal
Processing fee back — 100%
Up to ₹7,670, on OD limits from ₹10 lakh. T&C apply.
Need a one-time amount instead?
For machinery, a new outlet or expansion, a business term loan may suit better.
Explore business loans →Who can apply
Business owners
- Business running for 2+ years
- Annual turnover ₹30 lakh+
- CIBIL score 700+
- Age 21–65 years
Documents
PAN, Aadhaar, 2 years' ITR with computation, 12 months' bank statements, GST returns, business proof (GST, Udyam or trade licence).
We collect your documents from your shop or office. Criteria vary by lender.
See your offers from 25+ lenders
OD limit questions
What is a business OD limit?
An overdraft (OD) or cash-credit (CC) limit is a revolving credit line for your business. You draw what you need, repay when cash comes in, and draw again — within your sanctioned limit.
How is interest charged on an OD?
Only on the amount you use, for the days you use it. An unused limit costs no interest; the lender may charge a processing or renewal fee.
Who can get an OD limit?
Businesses running for 2 years or more with an annual turnover of ₹30 lakh+.
How big a limit can I get?
Lenders size the limit on your turnover, banking, ITR and existing borrowings. Your advisor checks which lenders fit and the limit each will consider.
How long is an OD limit valid?
Usually 12 months, renewed after the lender reviews your account and financials.
Can I move my OD limit to another lender?
Yes. After 12 months of regular use and repayments you can transfer it to a lender that prices it better.
Is ProperPaisa really free?
Yes. As a bank-authorised partner (DSA), ProperPaisa is paid by the bank — just as it pays its own sales staff. Our service is ₹0 for you.
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.