CC / OD

Need flexible working capital for your business? Dhruv Multi Services offers Cash Credit (CC) and Overdraft (OD) facilities, allowing you to withdraw funds as needed and pay interest only on the utilized amount. Get instant access to funds for managing cash flow, business expansion, and operational expenses.

A Cash Credit (CC) or Overdraft (OD) facility is a revolving credit line that helps businesses and individuals manage short-term financial needs. These facilities provide access to funds up to a pre-approved limit, ensuring liquidity for working capital, inventory management, and other expenses.

At Dhruv Multi Services, we connect you with leading banks and NBFCs to get the best interest rates, flexible repayment options, and high credit limits tailored to your business requirements.

Why Choose Dhruv Multi Services CC & OD Loans?

✅ Instant Access to Funds – Withdraw money whenever needed
✅ Pay Interest Only on Used Amount – Save on interest costs
✅ Revolving Credit Facility – No need to reapply for a loan
✅ Flexible Repayment – Pay as per cash flow convenience
✅ High Credit Limits – Get limits up to ₹5 Crore
✅ Available for Businesses & Self-Employed – Customized solutions for working capital

Types of Credit Lines We Offer

1. Cash Credit (CC) Loan

✔️ Secured Credit Line – Usually backed by stock, inventory, or receivables
✔️ Ideal for Businesses – Helps manage working capital & operational costs
✔️ Interest on Utilized Amount – Not on the entire sanctioned limit
✔️ Loan Limit: ₹5 Lakh – ₹5 Crore

2. Overdraft (OD) Loan

✔️ Secured or Unsecured Facility – Available against FDs, property, or income proof
✔️ Flexible Usage – Use as needed without reapplying
✔️ Interest on Used Amount – Reduces repayment burden
✔️ Loan Limit: ₹50,000 – ₹5 Crore

Eligibility Criteria

For Businesses & Self-Employed Individuals:

✔️ Age: 21 to 65 years
✔️ Business Stability: Minimum 2-3 years of profitable operations
✔️ Annual Turnover: ₹10 lakh+ (varies based on lender)
✔️ Credit Score: 700+ (Preferred)
✔️ Security: May require collateral such as property, fixed deposits, or inventory

For Salaried Individuals (OD Against Salary/FD):

✔️ Age: 21 to 60 years
✔️ Employment: Must be working with a reputed company or government organization
✔️ Minimum Monthly Salary: ₹25,000 (varies based on lender)
✔️ Credit Score: 700+ (Preferred)
✔️ Security: Fixed deposit, property, or salary account with the lender (in some cases)

Documents Required

For Businesses & Self-Employed Individuals:

📌 Identity Proof: PAN Card, Aadhaar Card, Passport, Voter ID
📌 Address Proof: Utility Bill, Office Rent Agreement, GST Certificate
📌 Business Proof: GST Registration, Shop Act License, Business Registration Certificate
📌 Financial Documents:

• Last 2-3 years’ ITR
• Profit & Loss Statement and Balance Sheet
• Bank Statements (6-12 months)
  📌 Collateral Documents (if required) – Property papers, FD details, or other securities

For Salaried Individuals:

📌 Identity Proof: PAN Card, Aadhaar Card, Passport, Voter ID
📌 Address Proof: Utility Bill, Rent Agreement, Aadhaar
📌 Income Proof: Last 3 months’ salary slips, Form 16
📌 Bank Statements: Last 6 months’ salary account statements
📌 Collateral Documents (if applying for secured OD) – FD papers or property documents

Loan Limit & Interest Rates

💰 Loan Amount: ₹50,000 to ₹5 Crore
📆 Repayment Tenure: Revolving credit with flexible tenure
📉 Interest Rate: Starting from 9% p.a.

Get a CC or OD Loan Today!

Manage your business cash flow with ease! Apply for Cash Credit (CC) or Overdraft (OD) with Dhruv Multi Services and get instant access to funds when you need them.