Flexible Credit When You Need It
Manage urgent cash needs confidently with overdraft limits backed by expert business loan advisors and quick approvals.
Quick
Overdraft
Approval
Interest Rate
9%*
Onwards
No
Annual
Charges
Manage urgent cash needs confidently with overdraft limits backed by expert business loan advisors and quick approvals.
Quick
Overdraft
Approval
Interest Rate
9%*
Onwards
No
Annual
Charges
Stay financially agile with flexible overdraft options guided by expert business loan consultation support.
Flexible Repayment
Repay borrowed funds anytime during the 12-month tenure as per your business cash flow.
Interest on Usage
Pay interest only on the amount you withdraw from the approved overdraft limit.
No Repayment Penalties
Enjoy freedom with zero prepayment charges on early settlements.
Unsecured Options Available
Get overdraft limits with or without collateral, tailored to your eligibility.
Low Credit Impact
Lower credit burden with flexible usage instead of a lump-sum loan.
Business Continuity Support
Ideal for seasonal cash needs, working capital gaps, or emergency payments.
| Document Type | Indian Resident | Non-Resident Indian (NRI) |
|---|---|---|
ID Proof |
PAN, Aadhaar, Passport, Voter ID |
Passport with visa or OCI/PIO card |
Address Proof |
Utility Bill, Rent Agreement, Aadhaar |
Government-issued overseas address proof |
Business Documents |
Registration, GST, ITR, PAN, CA-certified statements |
Similar documents + attestation as required |
Loan Offers Available
Years Of Experience
Extra Charges
Lenders Compared
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
Securely submit your KYC, income, and business documents online.
Get Loan Approval
Lenders evaluate your profile and provide a sanction letter with overdraft terms.
Sign the Agreement
Review the final agreement, sign digitally or physically, and activate the credit line.
Loan Disbursement
Overdraft limit is activated in your bank account for immediate or future use.
Get a quick estimate of your overdraft limit monthly installments
₹5,00,000
₹5,00,00,000
7% p.a.
15% p.a.
1 Year
30 Years
12 Months
360 Months
*For representation purpose only. Final values may vary subject to bank’s policy.
Get expert overdraft limit tips, offers, and market updates for smarter financial decisions.
Discover how our overdraft limit helped businesses manage cash flow, seize opportunities, and stay financially agile during crucial moments.
Securing a higher overdraft limit at such a competitive rate was a game-changer for my business. Highly recommend BankEMI for their efficient and transparent service!
Amit Dhindsa
Thanks to the team of BankEMI, I got an excellent rate on my overdraft limit, which has significantly eased my cash flow. Exceptional service and support throughout!
Shruti Gagan
BankEMI’s detailed approach helped me understand my options and secure a fantastic rate on my overdraft. Now, I'm managing my finances better than ever.
Shreya Palikar
Stay informed with expert tips, industry trends, and guides for smarter financial decisions.
March 24, 2025 • 1 min read
Explore top queries to better understand our overdraft loan features, limits, and repayments.
