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Your Trusted Partner for Smart Overdraft Facilities

RupeeCredit Finserv we understand that financial flexibility can make all the difference. Whether you need funds for business growth, personal needs, or unexpected expenses, our OD facilities provide the breathing room you need with transparent terms and quick approvals.

Why Choose Us?

  • Customized OD limits to suit your profile
  • Competitive interest rates
  • Easy documentation and fast processing
  • Trusted financial partner with years of experience

Types of Overdraft Facilities

Find the Right OD Solution for You

Secured Overdraft

Linked against assets like property, fixed deposits, shares, or insurance policies.

Higher overdraft limits and lower interest rates.

Ideal for individuals and businesses with strong assets.

Unsecured Overdraft

No collateral required — based on your creditworthiness and income.

Quick and hassle-free approvals.

Ideal for salaried individuals, small business owners, and professionals.

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A typical business holds many different assets called capital, including office furniture services equipment, retail display cabinets...

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How It Works

Simple. Fast. Reliable.

01

Apply Easily

Submit a quick online or offline application with basic details.

02

Choose Secured or Unsecured

Based on your profile and preference, select the best option.

03

Get Approved and Access Funds

Once approved, access your overdraft facility withdraw only what you need.

04

Repay Flexibly

Pay interest only on the utilized amount, not the full limit.

FAQ's

A secured OD is backed by assets and usually offers higher limits and better rates, while an unsecured OD is based solely on your credit profile with no need for collateral.

Salaried professionals, business owners, and self-employed individuals can apply.

There are no penalties for early repayment. Some accounts may have a minimal commitment fee if the overdraft is unused — details will be transparently shared upfront.

Limits are customized based on your income, financials, and asset backing (if secured).