Benefit from daily interest savings and quick access to working capital, supported by expert loan advice designed to fuel your business growth.
Instant
Credit
Access
Interest Rates
9.00% p.a*
Zero
Prepayment
Charges
Fill out the details, and we’ll find the best loan options for you.
Access structured, flexible credit to manage business needs with control and convenience.
Secured or Unsecured
Choose collateral-based or unsecured limits as per your financial profile and business needs.
Daily Interest Savings
Interest is charged only on the amount withdrawn, not on the entire limit, saving you money every day.
High Credit Limits
Get up to ₹15 crore depending on your eligibility, supporting major business moves and growth plans.
Trusted by Businesses
Trusted by SMEs and entrepreneurs for handling operational gaps and urgent working capital needs.
Flexible Repayment Tenure
Enjoy flexible repayment terms ranging from 1 to 15 years, giving you the freedom to repay at your pace.
Zero Annual Renewal Fee
Unlike traditional overdrafts, there are no yearly renewals or account maintenance charges.
| Document Type | Self-Employed Individuals | Sole Proprietorship and Partnership Firms / Private Limited Companies |
|---|---|---|
|
Identity Proof |
PAN Card, Aadhaar Card, Passport, Voter ID, Driving License |
PAN Card, Aadhaar Card, Passport, Voter ID, Driving License |
|
Address Proof |
Utility Bills (Electricity/Telephone), Passport, Voter ID |
Utility Bills (Electricity/Telephone), Passport, Voter ID |
|
Income Proof |
Last 1 year’s Bank Statement, Last Year’s GST Returns, 3 Years’ ITR (Audited) |
Last Year’s GST Returns, Bank Statement as per Balance Sheet |
|
Business Proof |
Business Registration Documents, Profit & Loss Statement, Balance Sheet |
Certificate of Incorporation, Partnership Deed, Financial Statements |
|
Loan Statement |
Status of Existing Loan(s), if any |
Payment Statement of Existing Loan(s), if any |
Cr+ Disbursed
Businesses Guided
Renewal Charges
Lending Partners
Check Your Eligibility
Fill in basic details, and we’ll show you the best loan offers from multiple lenders.
Compare Loan Options
Choose from different banks and NBFCs, compare interest rates, and select the ideal loan.
Upload Required Documents
Provide your KYC, income proof, and business documents securely through our online portal.
Get Loan Approval
Lenders review your application and issue a sanction letter detailing the terms.
Sign the Agreement
Review the terms, sign digitally or physically, and proceed.
Loan Disbursement
Once processed, funds are transferred to your account.
Get a quick estimate of your dropline overdraft monthly installments
Loan Amount
₹5,00,000
₹5,00,00,000
Rate of Interest
7% p.a.
15% p.a.
Loan Duration
1 Year
30 Years
12 Months
360 Months
*For representation purpose only. Final values may vary subject to bank’s policy.
Learn how our dropline overdraft limits have helped businesses expand and maintain financial flexibility.
The dropline overdraft facility came just in time when our inventory needed a quick boost before the festive season. It’s truly been a lifesaver for my business, providing the necessary funds without the hassle of a fixed loan. Amazing service!
Priya Kapoor
I cannot express how beneficial the dropline overdraft has been for us. It offered the flexibility we needed to manage cash flow efficiently during unexpected delays in payments. The BankEMI team made the process very smooth and understandable.
Amit Gandhi
As a small business owner, managing cash flow can be tricky. This dropline overdraft facility allowed me to cover short-term expenses without disrupting operations. The flexibility and ease of use are just what I needed!
Sunita Raj
What impressed me the most was how quickly I could access additional funds through the overdraft facility. It’s easy to manage and came with very reasonable terms. Excellent support from the BankEMI team!
Rajesh Srivastav
Running a seasonal business means our cash flow isn’t always steady. The dropline overdraft has been perfect for bridging those gaps. I’ve been able to keep my business steady throughout the year thanks to this fantastic facility.
Neelam Jureyal
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Get simple answers to your queries about dropline overdraft limits, interest, eligibility, and more.
