Overdraft (OD) Limit for Businesses – Pay Interest Only on What You Use
Managing business cash flow is all about timing.
Sometimes payments get delayed. Sometimes urgent expenses pop up. Instead of applying for a full loan, smart businesses use Overdraft (OD) Limits — a flexible, cost-effective funding solution.
With an OD limit, you can withdraw money from your current account beyond your balance, up to a sanctioned limit.
And the best part?
👉 You pay interest only on the amount you use, and only for the number of days you use it.
✅ What is an Overdraft (OD) Limit?
An OD limit is a short-term credit facility linked to your current account that allows you to withdraw funds beyond your available balance, up to a sanctioned limit.
The biggest benefit?
👉 You pay interest only on the amount you use, not on the full limit.
🧾 Example:
OD limit = ₹25 lakhs
You use = ₹7 lakhs
➡️ Interest is charged only on ₹7 lakhs, and only for the number of days it was used.
🔒 Secured vs Unsecured OD – What’s the Difference?
🔹 Unsecured OD Limit
No collateral required
Sanction based on turnover, banking, financials & CIBIL score
Faster processing
Ideal for businesses with good financials and ₹2Cr+ turnover
✅ Networth Advisory helps secure unsecured OD limits from NBFCs & select banks for eligible businesses.
🔹 Secured OD Limit
Requires collateral such as property, FD, or financial assets
Higher sanction possible based on asset value
Lower interest rates compared to unsecured OD
🏦 We assist in structuring secured OD limits through NBFCs & selected banks, with proper asset valuation and documentation support.
🎯 Who Can Apply?
To be eligible for an OD limit, your business should meet the following:
✅ Turnover of ₹2 Crores or more
✅ Minimum 2 years business vintage
✅ CIBIL score of 685+
✅ Clean banking history
✅ Valid documents (GST, ITRs, bank statements, etc.)
💼 Why Choose Networth Advisory?
At Networth Advisory, we simplify the entire OD process — from assessing your eligibility to getting the funds disbursed.
✔️ We offer both secured & unsecured options
✔️ Tie-ups with multiple NBFCs & select banks
✔️ Faster processing & approvals
✔️ Dedicated advisory team
✔️ Transparent terms – no hidden charges
📞 Ready to Apply for an OD Limit?
Don’t let cash flow delays hold your business back. With an OD limit arranged by Networth Advisory, you get the flexibility to grow without worrying about working capital.
📲 Contact us today to get started:
🔹 Instagram: @networth_advisory
🔹 Email: networthadvisorysales@gmail.com
