Eligibility criteria
- Business vintage 2+ years
- Annual turnover ₹50 lakh+
- Clean banking & GST filings
← All loans
Business Overdraft
Business Overdraft Limits for Smooth Operations
Built for retailers, traders, and manufacturers to manage operational expenses without interrupting growth.
- Secured / unsecured OD
- Limit sized to turnover
- Easy annual renewal
- Interest only on usage
Interest from 11% p.a.
EMI calculator
Plan your repayment
EMI Calculator
Live calculationQuick presets
50k50 L
Starting 9.9%*Up to 24%
1 yr5 yrs
No prepayment20% / year
Monthly EMI
₹ 10,871
for Personal Loan · 5 years @ 11.00%
Principal 77% Interest 23%
Principal₹ 5.00 L
Total interest₹ 1.52 L
Total payable₹ 6.52 L
*Indicative EMI based on the selected rate. Final rate, tenure and EMI are at the lender's discretion and depend on your credit profile.
Interest rates mentioned are indicative and final interest rates, eligibility, and approval terms are subject to lender policies and applicant profile.
Documents required
- 2 years ITR
- 12 months bank & GST
- Business proof
- Collateral (if secured)
Fees & charges
Processing 1–2%, renewal annual.
Why route through Velixa
- Lowest rates from 40+ banks & NBFCs
- Single-window documentation
- Dedicated relationship manager
- Transparent fee disclosure
- Pre-approval eligibility checks
- Post-disbursal servicing support
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