Apply for
Overdraft Facility
An overdraft facility gives your business flexible access to funds whenever expenses rise or payments get delayed. You borrow only what you need, when you need it , and pay interest only on the amount used.
Types of Overdraft Facilities
Flexible overdraft solutions designed to support business cash flow.
Current Account Overdraft
Linked directly to your current account to handle short-term cash requirements.
Secured Overdraft
Overdraft facility backed by property, fixed deposits, or other collateral.
Overdraft Against Property
Higher overdraft limits offered against residential or commercial property.
Overdraft Against Fixed Deposit
Low-interest overdraft facility secured against your fixed deposit.
Turnover-Based Overdraft
Overdraft limits based on business cash flow and transaction volume.
Features and Benefits
Eligibility Criteria
Review the basic eligibility requirements to apply for an Overdraft Facility.
Applicant Type
Businesses, MSMEs, professionals, and self-employed individuals are eligible.
Business Vintage
Minimum 1–2 years of business operations is generally preferred.
Banking Behaviour
Healthy current account transaction history with regular cash flows.
Credit & Security
Acceptable CIBIL score with good repayment discipline. Property, FD, or other collateral may be required for secured overdrafts.
Documents Required
Keep the following documents ready to apply for an Overdraft Facility.
Identity Proof
PAN, Aadhaar, Passport, or any other valid government-issued ID.
Business Proof
GST registration, Shop Act license, MSME certificate, or incorporation documents.
Financial Documents
ITR, profit & loss statement, and balance sheet (last 1–2 years).
Security Documents
Last 6–12 months of current account statements and property papers or FD details (for secured overdrafts).
How Keystones Helps You?
Keystones evaluates whether an overdraft actually suits your cash flow, structures the right limit, negotiates interest rates, and handles lender coordination , so you don’t overpay for short-term money.
Overdraft Facility Calculator
Estimate interest payable on your Overdraft Facility based on utilized amount and interest rate.
Monthly Interest
Total Interest Payable
* Interest is calculated on utilized overdraft amount only.
Talk to an OD ExpertFrequently Asked Questions
How is an overdraft different from a loan?
Is collateral mandatory for overdraft facilities?
Can I increase my overdraft limit later?
How is interest calculated?
Can overdraft be used for any purpose?
What happens if I don’t use the overdraft?
Apply for Overdraft Facility
Cash flow gaps shouldn’t slow your business down.
Apply through Keystones for an overdraft facility that gives you flexibility, control, and peace of mind.