Eligibility criteria
- Salary account holder
- Min salary ₹25,000/month
- 6+ months with current employer
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Salary Overdraft
Instant Salary Overdraft Before Payday
Manage emergency expenses with an instant salary OD that auto-adjusts when your salary credits.
- Limit up to 3X monthly salary
- Instant digital activation
- Interest only on usage
- Auto-repayment on salary credit
Interest from 13% 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
₹ 11,377
for Personal Loan · 5 years @ 13.00%
Principal 73% Interest 27%
Principal₹ 5.00 L
Total interest₹ 1.83 L
Total payable₹ 6.83 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
- Salary account KYC (already on file)
- PAN & Aadhaar
Fees & charges
Setup fee ₹500–2,000. Interest 13–18% p.a. on utilized 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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