OD / CC limit · Sonipat
Loan Lene Ka Sahi Tarika
OD / CC limit in Sonipat, for buying seasons and long payment cycles
At the Sonipat mandi, buying happens in a rush when the crop comes in, and the money returns slowly. A CC limit lets you buy big in the season and pay interest only while the money is out.
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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 Sonipat
Grain and produce traders
Paying farmers promptly while buyers pay later is the classic cash gap. A limit covers it for the weeks it lasts, then comes back down.
Rai food processors buying seasonal produce
Fruit, vegetables or grain often have to be bought in the harvest window and stored. Drawing on a limit beats a term loan that sits idle the rest of the year.
Kundli units with large buyers
When a big buyer pays on long credit terms, the limit funds the next batch of material without waiting for that cheque.
Good to know in Sonipat
- The limit is set on your turnover, GST returns and account conduct, and is usually reviewed every 12 months.
- Seasonal businesses should show the full year of banking. A lender that sees only the slow months may size the limit too low.
- Keep the limit for business running costs. Lenders review how it's used, and money moved out for personal spending can count against you at renewal.
- We cover Sonipat from Bahadurgarh, around 42 km away, with the advisor visiting your shop, unit or mandi office for documents.
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
Sonipat is about 42 km from our head office in Bahadurgarh, well inside our 60 km doorstep-service area. Kundli and Rai sit between Delhi and Sonipat city, inside the same area.
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 Sonipat: questions
Can I keep the limit at zero after the season ends?
Yes. You pay no interest on an undrawn limit. The lender may still charge a renewal fee once a year, as per its policy.
My current CC limit is with a bank in Sonipat. Can I shift it?
After 12 months of regular use, other lenders can take over the limit and may size it higher if turnover has grown. Your advisor puts the offers next to each other first.
Can a Rai food unit use the limit for packaging and power bills too?
Yes. An OD or CC limit is meant for the running costs of the business, so raw material, packaging, wages and utility bills all fit. It isn't for buying property or personal spending.
How do lenders treat a mandi trader's books?
They read the ITR, GST returns and bank statements together. If purchase and sale figures match across all three, the limit is easier to justify.
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.