OD / CC limit · Noida
Loan Lene Ka Sahi Tarika
OD limit in Noida, for businesses that wait on buyer payments
An export order from Noida can take months to pay. A business OD or CC limit lets you buy fabric, parts or stock now and repay as the money comes in, with interest only on what you've drawn.
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OD limit for Noida exporters, in 21 seconds
- An OD limit lets you buy stock now, and you pay interest only on what you use.
- ProperPaisa looks at your banking and finds the right OD limit across 25+ lenders, at ₹0 fee to you.
- The lender takes the final decision on amount and rate.
What the video says
Noida se export order chala gaya, par payment aane mein mahine lag jaate hain? OD limit se abhi maal lo, interest sirf jitna use. ProperPaisa aapki banking dekh kar 25+ lenders mein sahi OD 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 Noida
Garment exporters in Phase 2
Fabric, trims and wages go out long before a shipment is paid for. Draw on the limit through production and bring it down when the remittance arrives.
Wholesalers around Atta Market and Sector 18
Retail stock moves fast before festivals and slowly in between. Buy heavily for a few weeks, then pay no interest while the limit sits unused.
Component makers supplying large plants
Big buyers often pay on 60 or 90-day terms. The limit carries your raw material bill until their payment lands.
Good to know in Noida
- The limit is set on turnover, banking and existing borrowings. A current account where credits roughly match your declared sales gets the best hearing.
- Most lenders want 2+ years of trading and turnover of ₹30 lakh or more, with GST returns and ITR to show it.
- Larger limits are often secured. In Noida that means the lender checks your lease deed and may want the Noida Authority's permission to mortgage, so start on that early.
- Limits come up for review every 12 months. After a year of regular use, you can also move the limit to another lender if it offers better terms.
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 Noida
Everything for Noida runs on call and WhatsApp: your advisor shares the offers, you send documents online and the lender is followed up until disbursal. Our executive can visit your home or office if you'd like to meet. 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 Noida: questions
Can a unit inside the Noida SEZ get a CC limit?
Yes, many lenders work with SEZ exporters, though some prefer security outside the zone for larger limits. Your advisor tells you which lenders are comfortable with SEZ units.
Is a CC limit different from an OD limit?
Both are revolving limits on your current account. A CC limit is usually tied to stock and receivables with regular stock statements, while an OD is often secured on property or deposits.
Will the lender visit my factory before sanctioning?
Usually, yes. Expect a site visit to your Phase 2 or Phase 3 unit, and your advisor sets a time that doesn't clash with a shipment.
Do I pay you to arrange the limit?
No. Lenders pay ProperPaisa, not you. The lender's own processing or renewal fee is set out before you accept.
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.