Eligibility criteria
- Eligible collateral OR strong banking
- Existing customer preferred
- Age 21–65
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Overdraft (OD) Facility
Flexible Overdraft Facilities for Smart Cash Flow
A dynamic credit line where interest is charged only on the amount you use — not the total sanctioned limit. Setup against FDs, shares, or property for short-term needs.
- Interest only on utilized amount
- Annual renewal
- No fixed EMI
- Setup against FD / property / shares
Interest from 10% 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
₹ 10,624
for Personal Loan · 5 years @ 10.00%
Principal 78% Interest 22%
Principal₹ 5.00 L
Total interest₹ 1.37 L
Total payable₹ 6.37 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
- KYC
- Collateral documents (FD receipt / DP holding / property docs)
- Bank statement of last 6 months
Fees & charges
Setup fee 0.25–1%. Renewal fee annual. Interest only on drawn amount.
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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