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Flexible Access to Funds

Overdraft
Facility Instant Liquidity

Access additional funds beyond your account balance. Pay interest only on the amount you use. Perfect for managing daily business expenses.

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Active OD Accounts
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Approval Time
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Flexible Overdraft
For Your Business

Our overdraft experts will reach out within 1 business hour. No hidden fees, transparent terms.

No application fee
Soft credit check — won't affect your score
Personalised interest rate
100% digital process
Decision within 48 hours
9246545737 support@kfinone.com
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Key Benefits

Why Choose Overdraft
For Your Business?

Better Cash Flow

Manage temporary gaps without disruption.

Immediate Access

Funds available instantly when needed.

Pay on Utilization

Interest only on amount used.

Flexible Usage

Use for any business purpose.

Common Uses

What Can You Use
Overdraft For?

Inventory Purchase

Stock raw materials & finished goods

Supplier Payments

Pay vendors and suppliers on time

Payroll Expenses

Manage salary disbursements

Daily Operations

Rent, utilities, office expenses

Seasonal Needs

Peak season working capital

Business Continuity

During delayed receivables

Key Features

What Makes Our
Overdraft Special

Flexible Limits

Customized credit limits

Competitive Rates

Affordable interest

Fast Approval

Quick processing & setup

Easy Documentation

Minimal paperwork

Instant Access

Funds available 24/7

Dedicated Support

Personalized assistance

Requirements

Eligibility & Documents

Eligibility Criteria

Registered business (proprietorship, partnership, pvt ltd)
Minimum 2-3 years of business operation
Stable business turnover & repayment capacity
Satisfactory credit history (CIBIL 650+)
Valid KYC and business registration documents

Documents Required

Identity: Aadhaar / PAN / Passport
Address: Utility bill / Driving license
Business: Registration / GST / Trade license
Financial: Bank statements (12 months) / ITR (2-3 years) / Balance sheet
Any other documents requested during processing
Interest Calculator

Calculate Your Overdraft Interest

Amount Utilized₹5,00,000
₹50K₹1.5Cr
Interest Rate (% p.a.)11.99%
9%16%
Number of Days Utilized30 days
1 day90 days
Total Interest Payable
₹4,930
for the selected period
Daily Interest
₹164
Monthly Interest
₹4,930
Apply for Overdraft
FAQs

Overdraft Facility
Questions Answered

Get clarity on limits, interest calculation, and repayment for overdraft facility.

Still Have Questions?

Our overdraft specialists are here to help.

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01
What is an overdraft facility?
An overdraft facility allows businesses to withdraw funds beyond their account balance up to a pre-approved limit. Interest is charged only on the amount utilized.
02
What is the maximum overdraft limit?
Up to ₹1.5 crore, based on business turnover, financial statements, and repayment capacity.
03
How is interest calculated?
Interest is calculated on the daily outstanding balance. You pay only for the amount you use and for the number of days you use it.
04
Do I need to provide collateral?
Higher limits may require collateral such as property or other business assets. Smaller limits may be unsecured based on credit profile.
05
How long does approval take?
Typically 48-72 hours for approval. Facility activation within 5-7 working days after document submission.
06
Can I repay and reuse the limit?
Yes, overdraft is a revolving facility. As you repay, the limit gets restored for future use.
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