{"id":23221,"date":"2023-06-05T11:17:08","date_gmt":"2023-06-05T11:17:08","guid":{"rendered":"http:\/\/34.100.199.175\/?page_id=23221"},"modified":"2023-06-15T06:12:02","modified_gmt":"2023-06-15T06:12:02","slug":"overdraft-loan","status":"publish","type":"page","link":"https:\/\/mybillbook.in\/s\/business-loan\/overdraft-loan\/","title":{"rendered":"Overdraft Loan"},"content":{"rendered":"<p>[vc_row][vc_column][vc_column_text]<\/p>\n<h1 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Overdraft_OD_Loan\"><\/span>Overdraft (OD) Loan<span class=\"ez-toc-section-end\"><\/span><\/h1>\n<p>An Overdraft (OD) Loan or Overdraft facility is one of the popular credit lines available for businesses to acquire funds for their urgent and short-term financial requirements. Businesses can use the overdraft facility either to set up a new business or expand an existing business. Compared to <a href=\"https:\/\/mybillbook.in\/s\/business-loan\/small-business-loan\/\">small business loans<\/a>, the Overdraft loan facility provides quick access to funds, flexible repayment options, and cost-effective interest calculations. Hence, overdraft business loans have become a popular choice among entrepreneurs. This page sheds some more light on the overdraft facility by explaining in length its features, benefits, eligibility criteria, etc.[\/vc_column_text][vc_empty_space height=&#8221;12px&#8221;][vc_single_image image=&#8221;23222&#8243; img_size=&#8221;768 x 432&#8243; alignment=&#8221;center&#8221; style=&#8221;vc_box_border&#8221; border_color=&#8221;black&#8221;][vc_empty_space height=&#8221;12px&#8221;][vc_column_text]<div class='ai-viewports ai-viewport-1 ai-insert-7-75292753' style='margin: 8px auto; text-align: center; display: block; clear: both; padding-left: 325px;' data-insertion-position='prepend' data-selector='.ai-insert-7-75292753' data-insertion-no-dbg data-code='PGRpdiBjbGFzcz0nY29kZS1ibG9jayBjb2RlLWJsb2NrLTcnIHN0eWxlPSdtYXJnaW46IDhweCBhdXRvOyB0ZXh0LWFsaWduOiBjZW50ZXI7IGRpc3BsYXk6IGJsb2NrOyBjbGVhcjogYm90aDsgcGFkZGluZy1sZWZ0OiAzMjVweDsnPgo8YSBocmVmPSJodHRwczovL215YmlsbGJvb2suaW4vY3JlYXRlLWFjY291bnQvIj4gPGltZyBzcmM9Imh0dHA6Ly9teWJpbGxib29rLmluL3Mvd3AtY29udGVudC91cGxvYWRzLzIwMjMvMDYvZ3Jvdy15b3VyLWJ1c2luZXNzLTEweC0xLnBuZyIgYWx0PSJkb3dubG9hZCBhcHAiPiA8L2E+CjwvZGl2Pgo=' data-block='7'><\/div>\n<script>\n  ai_run_658701516627 = function(){ai_insert_viewport_code ('ai-insert-7-75292753');};\n  if (document.readyState === 'complete' || (document.readyState !== 'loading' && !document.documentElement.doScroll)) ai_run_658701516627 (); else document.addEventListener ('DOMContentLoaded', ai_run_658701516627);\n<\/script>\n<br \/>\n[\/vc_column_text][vc_column_text]<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_is_an_Overdraft_Loan\"><\/span>What is an Overdraft Loan?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>An overdraft business loan is a type of credit facility offered by banks and financial institutions to assist businesses in managing their working capital needs effectively. It gives businesses access to funds up to a specified credit limit, allowing them to withdraw and repay funds as per their requirements. The interest is charged only on the amount utilised, providing flexibility and cost-effectiveness.[\/vc_column_text][vc_column_text]<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_Does_an_Overdraft_Business_Loan_Work\"><\/span>How Does an Overdraft Business Loan Work?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>To access an Overdraft facility, a business needs to open an OD facility in a bank, preferably in a bank\/branch where their existing bank accounts are. While opening the OD account, the bank will set a credit limit considering the businesses\u2019 creditworthiness and financial health.<\/p>\n<p>Once the OD facility is active, businesses can withdraw funds up to the set limit as and when necessary. The bank will charge interest only on the withdrawn amount and for the duration of the borrowing period. There isn\u2019t any fixed repayment tenure or any EMI, and the accountholders are free to repay the amount as and when available.<\/p>\n<p>However, the overall tenure or the active period of an OD is 12 months, post which accountholders need to either renew it or discontinue the same.<\/p>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Key_Features_of_Overdraft_Business_Loans\"><\/span>Key Features of Overdraft Business Loans<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li aria-level=\"1\"><b>Flexible Repayment<\/b>: One of the primary advantages of an overdraft business loan is its flexibility in repayment. Businesses can make repayments at their convenience based on the funds available to them.<\/li>\n<li aria-level=\"1\"><b>Credit Limit<\/b>: The overdraft facility comes with a pre-approved credit limit based on the borrower&#8217;s business income and credit history. The credit limit can be revised periodically based on the borrower&#8217;s repayment behavior.<\/li>\n<li aria-level=\"1\"><b>Interest Calculation<\/b>: Interest is charged only on the amount utilised, not on the entire credit limit. This feature helps businesses save on interest costs.<\/li>\n<li aria-level=\"1\"><b>Quick Access to Funds<\/b>: Once the overdraft facility is set up, businesses can withdraw funds as required without having to go through multiple approval processes. Thus providing quick and convenient access to funds.<\/li>\n<li aria-level=\"1\"><b>No Collateral: <\/b>The OD facility does not require the applicant to pledge any collateral. The facility will be provided based on the creditworthiness of the business.<\/li>\n<li aria-level=\"1\"><b>Minimum Documentation: <\/b>Unline business loans, OD facility requires fewer documents for processing, making the disbursement quick and hassle-free.<\/li>\n<li aria-level=\"1\"><b>Online Processing: <\/b>Many banks allow applicants to apply for an OD facility online. Once the document verification and eligibility check is completed, the bank will approve the OD facility.<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_column_text]<div class='ai-viewports ai-viewport-1 ai-insert-7-68028390' style='margin: 8px auto; text-align: center; display: block; clear: both; padding-left: 325px;' data-insertion-position='prepend' data-selector='.ai-insert-7-68028390' data-insertion-no-dbg data-code='PGRpdiBjbGFzcz0nY29kZS1ibG9jayBjb2RlLWJsb2NrLTcnIHN0eWxlPSdtYXJnaW46IDhweCBhdXRvOyB0ZXh0LWFsaWduOiBjZW50ZXI7IGRpc3BsYXk6IGJsb2NrOyBjbGVhcjogYm90aDsgcGFkZGluZy1sZWZ0OiAzMjVweDsnPgo8YSBocmVmPSJodHRwczovL215YmlsbGJvb2suaW4vY3JlYXRlLWFjY291bnQvIj4gPGltZyBzcmM9Imh0dHA6Ly9teWJpbGxib29rLmluL3Mvd3AtY29udGVudC91cGxvYWRzLzIwMjMvMDYvZ3Jvdy15b3VyLWJ1c2luZXNzLTEweC0xLnBuZyIgYWx0PSJkb3dubG9hZCBhcHAiPiA8L2E+CjwvZGl2Pgo=' data-block='7'><\/div>\n<script>\n  ai_run_758215285988 = function(){ai_insert_viewport_code ('ai-insert-7-68028390');};\n  if (document.readyState === 'complete' || (document.readyState !== 'loading' && !document.documentElement.doScroll)) ai_run_758215285988 (); else document.addEventListener ('DOMContentLoaded', ai_run_758215285988);\n<\/script>\n<br \/>\n[\/vc_column_text][vc_column_text]<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Documents_Required_to_Apply_for_an_Overdraft_Loan\"><\/span>Documents Required to Apply for an Overdraft Loan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>While the specific documentation requirements may vary among lenders, the following are commonly required documents to apply for an overdraft business loan.<\/p>\n<ul>\n<li aria-level=\"1\">Application Form<\/li>\n<li aria-level=\"1\">KYC Documents<\/li>\n<li aria-level=\"1\">Identity Proof &#8211; Aadhaar card or Passport or Voter ID, or any other government-issued identification document.<\/li>\n<li aria-level=\"1\">Address Proof &#8211; Utility bills (electricity, water), bank statements, Aadhaar, rental agreement, or any other government-issued valid address proof.<\/li>\n<li aria-level=\"1\">PAN Card<\/li>\n<li aria-level=\"1\">Business Registration Documents<\/li>\n<li aria-level=\"1\">6-12 Months Bank Statements<\/li>\n<li aria-level=\"1\">Income Tax Returns<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_column_text]<div class='ai-viewports ai-viewport-1 ai-insert-7-45225038' style='margin: 8px auto; text-align: center; display: block; clear: both; padding-left: 325px;' data-insertion-position='prepend' data-selector='.ai-insert-7-45225038' data-insertion-no-dbg data-code='PGRpdiBjbGFzcz0nY29kZS1ibG9jayBjb2RlLWJsb2NrLTcnIHN0eWxlPSdtYXJnaW46IDhweCBhdXRvOyB0ZXh0LWFsaWduOiBjZW50ZXI7IGRpc3BsYXk6IGJsb2NrOyBjbGVhcjogYm90aDsgcGFkZGluZy1sZWZ0OiAzMjVweDsnPgo8YSBocmVmPSJodHRwczovL215YmlsbGJvb2suaW4vY3JlYXRlLWFjY291bnQvIj4gPGltZyBzcmM9Imh0dHA6Ly9teWJpbGxib29rLmluL3Mvd3AtY29udGVudC91cGxvYWRzLzIwMjMvMDYvZ3Jvdy15b3VyLWJ1c2luZXNzLTEweC0xLnBuZyIgYWx0PSJkb3dubG9hZCBhcHAiPiA8L2E+CjwvZGl2Pgo=' data-block='7'><\/div>\n<script>\n  ai_run_812344901727 = function(){ai_insert_viewport_code ('ai-insert-7-45225038');};\n  if (document.readyState === 'complete' || (document.readyState !== 'loading' && !document.documentElement.doScroll)) ai_run_812344901727 (); else document.addEventListener ('DOMContentLoaded', ai_run_812344901727);\n<\/script>\n<br \/>\n[\/vc_column_text][vc_column_text]<\/p>\n<h2><span class=\"ez-toc-section\" id=\"FAQs_on_Overdraft_Loan_Facility\"><\/span>FAQs on Overdraft Loan Facility<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div class=\"wp-faq-schema-wrap\">\n\t\t\t\t\t\t<div class=\"wp-faq-schema-items\">\n\t\t\t\t\t\t\t\t\t<h3>What is the maximum loan amount that can be availed through an overdraft business loan?<\/h3>\n\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t<p>The maximum loan amount for an overdraft business loan depends on various factors, such as the borrower's creditworthiness, business stability, and bank policies. Typically, the loan amount can range from a few lakhs to several crores of rupees.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3>How is the interest calculated for an overdraft business loan?<\/h3>\n\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t<p>The interest rate on an overdraft loan is usually linked to a base rate such as the Marginal Cost of Funds Based Lending Rate (MCLR) or the Reserve Bank of India's repo rate. The interest is charged on a daily or monthly reducing balance basis.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3>Can I repay the overdraft loan amount before the due date?<\/h3>\n\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t<p>Yes, overdraft loans offer flexibility in repayment. Borrowers can repay the loan before the due date without any prepayment penalty.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3>What is the tenure or repayment period for an overdraft business loan?<\/h3>\n\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t<p>Overdraft loans typically do not have a fixed tenure like term loans. The repayment period depends on the borrower's convenience and the lender's terms. Accountholders can repay the amount as and when available. <\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3>Can I use the overdraft facility for personal expenses or investments other than my business?<\/h3>\n\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t<p>No, the overdraft facility is specifically designed to meet business-related working capital needs. It is not meant for personal expenses or investments unrelated to the business. Lenders monitor the utilisation of funds and expect businesses to use them only for legitimate business purposes.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t[\/vc_column_text][vc_column_text]<div class='ai-viewports ai-viewport-1 ai-insert-7-87925291' style='margin: 8px auto; text-align: center; display: block; clear: both; padding-left: 325px;' data-insertion-position='prepend' data-selector='.ai-insert-7-87925291' data-insertion-no-dbg data-code='PGRpdiBjbGFzcz0nY29kZS1ibG9jayBjb2RlLWJsb2NrLTcnIHN0eWxlPSdtYXJnaW46IDhweCBhdXRvOyB0ZXh0LWFsaWduOiBjZW50ZXI7IGRpc3BsYXk6IGJsb2NrOyBjbGVhcjogYm90aDsgcGFkZGluZy1sZWZ0OiAzMjVweDsnPgo8YSBocmVmPSJodHRwczovL215YmlsbGJvb2suaW4vY3JlYXRlLWFjY291bnQvIj4gPGltZyBzcmM9Imh0dHA6Ly9teWJpbGxib29rLmluL3Mvd3AtY29udGVudC91cGxvYWRzLzIwMjMvMDYvZ3Jvdy15b3VyLWJ1c2luZXNzLTEweC0xLnBuZyIgYWx0PSJkb3dubG9hZCBhcHAiPiA8L2E+CjwvZGl2Pgo=' data-block='7'><\/div>\n<script>\n  ai_run_692847384954 = function(){ai_insert_viewport_code ('ai-insert-7-87925291');};\n  if (document.readyState === 'complete' || (document.readyState !== 'loading' && !document.documentElement.doScroll)) ai_run_692847384954 (); else document.addEventListener ('DOMContentLoaded', ai_run_692847384954);\n<\/script>\n<br \/>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]<\/p>\n<h3 style=\"text-align: center;\">Know more about Businesses loans &amp; Ideas<\/h3>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;1\/3&#8243;][vc_column_text]<\/p>\n<ul>\n<li><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Business loan for women by government&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:15039,&quot;3&quot;:{&quot;1&quot;:0},&quot;4&quot;:{&quot;1&quot;:2,&quot;2&quot;:16777215},&quot;5&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:{&quot;1&quot;:2,&quot;2&quot;:0}},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;6&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:{&quot;1&quot;:2,&quot;2&quot;:0}},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;7&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:{&quot;1&quot;:2,&quot;2&quot;:0}},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;8&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:{&quot;1&quot;:2,&quot;2&quot;:0}},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;10&quot;:2,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:2236962},&quot;15&quot;:&quot;\\&quot;Google Sans\\&quot;&quot;,&quot;16&quot;:11}\"><a href=\"https:\/\/mybillbook.in\/s\/business-loan\/business-loan-for-women-in-india-by-government\/\">Business loan for Women by Government 2023<\/a><br \/>\n<\/span><\/li>\n<li><a href=\"https:\/\/mybillbook.in\/s\/business-loan\/govt-loan-for-dairy-farming\/\">Govt Loan for Dairy Farming<\/a><\/li>\n<li><a href=\"https:\/\/mybillbook.in\/s\/business-loan\/collateral-free-loan\/\">Collateral Free Loan<\/a><\/li>\n<li><a href=\"https:\/\/mybillbook.in\/s\/business-loan\/poultry-farm-loan\/\">Poultry Farm Loan<\/a><\/li>\n<li><a href=\"https:\/\/mybillbook.in\/s\/business-loan\/term-loan\/\">Term Loan<\/a><\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/3&#8243;][vc_column_text]<\/p>\n<ul>\n<li><a href=\"https:\/\/mybillbook.in\/blog\/psb-loans-in-59minutes\/\">PSB Loans In 59minutes<\/a><\/li>\n<li><a href=\"https:\/\/mybillbook.in\/blog\/mudra-loan\/\">Mudra Loan<\/a><\/li>\n<li><a href=\"https:\/\/mybillbook.in\/s\/business-loan\/secured-and-unsecured-loans\/\">Secured and Unsecured Loans<\/a><\/li>\n<li><a href=\"https:\/\/mybillbook.in\/s\/business-loan\/loan-repayment\/\">Loan Repayment Methods<\/a><\/li>\n<li><a href=\"https:\/\/mybillbook.in\/s\/business-loan\/nbfc-business-loan\/\">NBFC Business Loan<\/a><\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/3&#8243;][vc_column_text]<\/p>\n<ul>\n<li><a href=\"https:\/\/mybillbook.in\/s\/business-loan\/business-loan-without-itr\/\">Business Loan Without ITR<\/a><\/li>\n<li><a href=\"https:\/\/mybillbook.in\/s\/business-loan\/goat-farming-loan\/\">Goat Farming Loan<\/a><\/li>\n<li><a href=\"https:\/\/mybillbook.in\/s\/business-loan\/short-term-business-loans\/\">Short Term Business Loans<\/a><\/li>\n<li><a href=\"https:\/\/mybillbook.in\/s\/business-loan\/e-mudra-loan\/\">e Mudra Loan<\/a><\/li>\n<li><a href=\"https:\/\/mybillbook.in\/s\/business-loan\/business-loan-disbursement-process\/\">Business Loan Disbursement Process<\/a><\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"[vc_row][vc_column][vc_column_text] Overdraft (OD) Loan An Overdraft (OD) Loan or Overdraft facility is one of the popular credit lines available for businesses to acquire funds for their urgent and short-term financial requirements. Businesses can use the overdraft facility either to set [...]","protected":false},"author":9,"featured_media":23222,"parent":22101,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.5.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Overdraft Loan - Key Features, Eligibility, Documents Required<\/title>\n<meta name=\"description\" content=\"An overdraft loan is a quick and hassle-free financing solution offering many advantages to businesses of all sizes. Use whenever required and pay for whatever is used.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mybillbook.in\/s\/business-loan\/overdraft-loan\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Overdraft Loan - Key Features, Eligibility, Documents Required\" \/>\n<meta property=\"og:description\" content=\"An overdraft loan is a quick and hassle-free financing solution offering many advantages to businesses of all sizes. 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