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Flexible Financial Support

Salary Overdraft
Access Funds
When You Need

Pre-approved overdraft against your salary. Use anytime, pay interest only on the amount utilized. Perfect for managing unexpected expenses.

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Max Limit (₹)
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Get Pre-Approved
Salary Overdraft

Our overdraft experts will reach out within 1 business hour. Quick, transparent, and no hidden fees.

No application fee
Soft credit check — won't affect your score
Personalised overdraft limit
100% digital process
Decision within 24 hours
9246545737 support@kfinone.com
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Personal
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3
Experience
Step 1 of 3

Personal Information

Let's start with your basic contact details

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Your Location

Help us connect you with the right regional team

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Your Experience

Almost done — tell us a little about your background

Review Your Details

Your data is encrypted and never shared with third parties.

Why Choose KFinOne

Smart, Flexible
Overdraft for Salaried

Easy Access

Get funds instantly when needed.

Pre-Approved Limit

Limit based on your income profile.

Use as Needed

Withdraw only what you require.

Flexible Repayment

Repay as per your convenience.

Advantages

Why Choose a
Salary Overdraft?

Quick Emergency Funds

Instant access when you need money urgently

Flexible Borrowing

Use multiple times within your limit

Interest on Utilized

Pay only for the amount you use

No Multiple Loans

One facility covers all short-term needs

Better Planning

Manage short-term cash flow easily

Simple Process

Minimal documentation and fast approval

Suitable Uses

When Can You Use
Your Salary Overdraft?

🏥

Medical Expenses

Manage sudden healthcare costs without dipping into savings.

🏠

Household Needs

Urgent repairs, utility bills, family expenses.

🎓

Education & Skills

Course fees, certifications, skill development.

✈️

Travel & Celebrations

Weddings, vacations, special occasions.

How It Works

Simple 5-Step Process
To Get Overdraft

01
Submit Application
Share employment & income details
02
Eligibility Check
Assessment of income & credit profile
03
Limit Approved
Pre-approved overdraft limit assigned
04
Access Funds
Withdraw anytime via bank account
05
Repay Flexibly
Pay interest only on used amount
Requirements

Eligibility & Documents

Eligibility Criteria

Be a salaried employee (private/government/PSU)
Minimum monthly salary ₹25,000
Age between 21 and 58 years
Active bank account with salary credit
Satisfactory credit history (CIBIL 650+)

Documents Required

Identity: Aadhaar / PAN / Passport
Address: Utility bill / Driving license
Income: Last 3 months' salary slips
Bank statements (last 6 months) showing salary credit
Employee ID card or employment proof
Recent passport-size photographs
Interest Calculator

Calculate Your Overdraft Interest

Overdraft Amount Used₹50,000
₹5K₹5L
Interest Rate (% p.a.)11.99%
9%18%
Number of Days Utilized30 days
1 day90 days
Total Interest Payable
₹493
for the selected period
Daily Interest
₹16
Monthly Interest
₹493
Apply for Overdraft
FAQs

Salary Overdraft
Questions Answered

Get clarity on limit, interest, repayment, and more.

Still Have Questions?

Our overdraft specialists are here to help.

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01
What is a salary overdraft facility?
A salary overdraft is a pre-approved credit limit linked to your salary account. You can withdraw funds anytime up to the limit and pay interest only on the amount utilized.
02
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. No interest on unused limit.
03
What is the maximum overdraft limit?
Up to ₹5 lakh, subject to your monthly salary, credit profile, and employer relationship.
04
Do I need to provide collateral?
No, salary overdraft is an unsecured facility. It is offered based on your salary credit and creditworthiness.
05
How do I repay the overdraft amount?
You can repay anytime by depositing funds into your account. The limit gets restored as you repay, making it a revolving facility.
06
Can I apply if I recently changed jobs?
Yes, typically we require at least 3-6 months of continuous employment with your current employer and salary credits in the bank account.
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