CC / OD / DOD Limit
Maintain smooth business operations with revolving credit facilities. Pay interest only on what you use.
Working Capital Solutions for Businesses
Cash Credit (CC), Overdraft (OD), and Demand Overdraft (DOD) are revolving credit facilities that provide businesses with a flexible pool of funds to manage day-to-day operations, seasonal demands, and short-term cash flow gaps — without the burden of fixed EMIs.
💳 Cash Credit (CC)
A revolving credit line sanctioned against stock (inventory) or debtors. Ideal for trading and manufacturing businesses with high working capital requirements.
🏦 Overdraft (OD)
Facility linked to a current account or a fixed deposit, allowing you to withdraw beyond the available balance up to a pre-sanctioned limit. Great for short-term liquidity needs.
📊 Demand Overdraft (DOD)
A short-term credit facility repayable on demand, typically backed by securities or property. Used by businesses for temporary fund requirements with a fixed review period.
Key Benefits
- ✓Pay interest only on the amount actually used
- ✓Revolving facility – withdraw and repay as needed
- ✓Limits from ₹5 Lakh to ₹5 Crore+
- ✓Annual renewal – no need to re-apply frequently
- ✓Secured (against property/FD/stock) & unsecured options
- ✓Reduces working capital stress significantly
Eligibility Criteria
- ✓Business: Proprietorship, Partnership, Pvt Ltd, etc.
- ✓Minimum 2 years of business operations
- ✓Annual turnover ₹20 Lakh+
- ✓GST-registered business preferred
- ✓Good banking history and CIBIL score