Business lo cash flow gap unte panikostundi — OD/CC facility tho need ayyinappudu withdraw cheyyi, repay chesthe interest aagatundi. Flexible, revolving credit for your business!
🔒 Safe & secure. Agent calls within 15 mins.
OD vs CC confusion, bank documentation complexity, collateral requirements — agent everything handle chesi meeru business ki best working capital solution arrange chestadu.
SBI, HDFC, ICICI, Axis, Kotak, Canara, Union Bank — meeru turnover & collateral batti highest limit, lowest rate lender match chestaam.
Overdraft vs Cash Credit — which is better for meeru specific business type ani agent clearly explain chesi right product select cheyyadaniki help chestadu.
Stock statement, book debts, CA certificate, projected turnover — agent complete documentation checklist share chesi bank submission ki ready chestadu.
Agent guidance completely free. Banks commission pay chestaayi — meeru oka rupee kuda extra pay cheyyaddu. Expert help at zero cost.
OD/CC limits yearly renew avutuundi. Agent renewal documentation, limit enhancement requests ki kuda help chestadu — long-term relationship.
Hyderabad, Vijayawada, Visakhapatnam, Tirupati — local business ecosystem, bank branch relationships tho faster processing possible.
Rendu revolving credit facilities — kani different purposes ki designed chesaru. Meeru business type batti agent right option suggest chestadu.
Savings account or current account against sanctioned credit limit. Property, FD, or salary against OD possible. Withdraw anytime, interest only on used amount.
Working capital facility specifically for businesses — stock, debtors, receivables against CC limit. Most popular form of business credit in India.
AP & Telangana lo OD/CC facility product details — complete information ikkade untundi.
Based on collateral or turnover
Secured to unsecured range
Only on amount actually used
Repay & withdraw again
Annual renewal with review
One-time annual charges
Various collateral options
Promoter credit score needed
Business turnover, collateral, credit history — key factors. Agent profile review chesi best option identify chestadu.
21 to 65 years. Salaried ki 21–58, self-employed / business ki 23–65.
Property (residential/commercial), FD, NSC, Shares, LIC policy, or salary (for salaried OD).
Salaried OD ki minimum ₹25,000/month net salary. Property OD ki stable income proof.
680+ preferred. Clean repayment history, no defaults or NPA accounts.
💡 FD unte guaranteed OD! Fixed deposit against OD — 80–90% of FD value instantly available. No income proof needed, approval same day. Agent process chestadu.
Minimum 2 years in business with regular operations and consistent bank transactions.
Minimum ₹30 Lakhs annual turnover for banks. CC limit typically 20–25% of annual turnover.
Active GST filing mandatory. Last 2 years ITR required. CA-audited financials for higher limits.
700+ preferred for CC. Both personal & business CIBIL checked. No settled accounts.
💡 High turnover but low CIBIL? Some PSU banks (SBI, Canara) focus more on turnover & stock statements than CIBIL for CC. Agent best bank identify chestadu meeru profile ki.
OD vs CC, collateral type batti documents vary avutuundi. Agent exact list provide chestadu meeru specific case ki.
📋 FD-based OD ki only FD receipt + KYC documents sufficient — simplest & fastest OD option!
Working capital gap, seasonal demand, bulk purchases — OD/CC facility different business scenarios ki ideal solution.
Bulk stock purchase ki, supplier payments ki — CC facility ideal. Stock against drawing power.
Cash Credit (CC)Raw material purchase, wages payment, production cycle gaps — CC working capital fill chestundi.
Cash Credit (CC)Tender-based businesses — payment receipt delay lo CC/OD bridge finance chestuundi.
OD / CC BothMedical equipment, pharma stock, working capital — property/FD OD or CC available.
OD / CC BothSeasonal cash flow gaps, bulk ingredient purchase — OD facility salary & property against.
Overdraft (OD)Doctors, lawyers, CAs — salary against OD, property OD. Personal + professional expenses ki.
Overdraft (OD)Seasonal crop purchase, cold storage, processing — NABARD-linked CC facility available.
Cash Credit (CC)Fuel, maintenance, toll — working capital OD. Vehicle mortgage against OD possible.
OD / CC BothEnquiry nundi account activation varaku — agent every step lo guide chestadu.
Form fill cheyyi or WhatsApp cheseyyi. Business type, turnover, collateral details share cheyyi — agent 15 mins lo call chestadu.
Agent profile batti OD vs CC decide chesi — highest limit, lowest rate bank identify chestadu. Exact documents list share chestadu.
Stock statement, ITR, bank statements, CA certificate — agent document collection & formatting ki assist chestadu. WhatsApp lo submit.
Agent bank ki submit chesi credit appraisal follow-up chestadu. Queries ki quick response — faster sanction possible.
OD/CC account active ayyaka anytime withdraw cheyyadam possible. Working capital gap — permanently solved!
Regular term loans kante smarter working capital solution — interest savings, flexibility, continuous access.
₹50 Lakhs limit unte, ₹10 Lakhs matrame use chesthe — only ₹10 Lakhs ki interest chelliyyadam avutuundi. Term loan kante significant savings!
Repay chesthey limit restore avutuundi. ₹50L limit — withdraw ₹20L, repay ₹10L — again ₹40L available. Continuous working capital access!
Supplier payment urgent gaa cheyyaali, payroll gap — OD/CC account nundi immediately withdraw. No fresh loan application needed.
Fixed monthly EMI ledu — business revenue ki suit ayye time lo repay cheyyadam possible. Cash flow stress takkuva avutuundi.
Active OD/CC facility repayment history strong business credit profile build chestundi — future lo higher limits easy gaa get cheyyadam possible.
Stock purchase, payroll, supplier payments, rent, utilities — any business expense ki use cheyyadam possible. No end-use restriction.
Collateral type, business profile, bank batti rates & limits vary avutuundi. Agent meeru profile ki exact rates share chestadu.
| Facility Type | Lender | Credit Limit | Interest Rate | Renewal | Best For |
|---|---|---|---|---|---|
| FD-Based OD | Any Bank | 80–90% of FD value | FD rate + 1–2% | As per FD tenure | Fastest — same day activation |
| Salary OD | SBI / HDFC / ICICI | 2–3 months salary | 10.5% – 14% | Annual | Salaried employees |
| Property OD (LAP-OD) | SBI / HDFC / Axis | 50–75% of property value | 9.5% – 13% | Annual | Property owners |
| Cash Credit (CC) | SBI / Canara / Union | 20–25% of annual turnover | 10% – 14% | Annual | Trading, manufacturing |
| Stock & Debtor CC | HDFC / ICICI / Kotak | ₹5L – ₹5 Crore | 11% – 16% | Annual | Higher turnover businesses |
| Unsecured OD/CC | NBFC / Fintechs | ₹1L – ₹50 Lakhs | 15% – 24% | 6–12 months | Fast approval, no collateral |
| MUDRA CC (Tarun) | PSU Banks | Up to ₹10 Lakhs | 10.5% – 14% | Annual | Micro & small businesses |
* Rates are indicative. Final rates depend on CIBIL score, collateral, turnover & bank policy. Agent exact quote share chestadu after profile review.
OD / Cash Credit lo common doubts — clear answers ikkade.
Wholesale business ki stock purchase ki sudden gaa ₹30 Lakhs kavali ayyindi. Agent SBI Cash Credit arrange chesadu — turnover basis lo ₹40 Lakhs CC limit sanction ayyindi. Monthly stock statement matrame ivvaali — chala easy! Business cash flow perfectly manage avutuundi ippudu.
Doctor gaa property unte OD account open cheyyadam easy antaru kani process teliyadam ledu. Agent HDFC lo property OD ₹25 Lakhs arrange chesadu — clinic equipment purchase chesam, emergency ki anytime available. Interest only use chesina amount ki — brilliant product!
FD untundi kani break cheyyadam ishtam ledu. Agent SBI lo FD-based OD suggest chesadu — ₹18 Lakhs limit same day activate ayyindi! Construction contract bridge finance ki perfectly use chesam. FD intact gaa undi, interest kuda low. Best financial decision ever!
Form fill cheyyi — agent 15 minutes lo call chestadu, meeru business profile batti best OD/CC facility completely free gaa arrange chestadu.
Mon – Sat: 9:00 AM – 7:00 PM
Andhra Pradesh & Telangana
🔒 Your data is safe. Agent calls within 15 minutes during business hours.