Revolving access
Draw and repay as your cash cycle needs, within the limit.
Secured Overdraft & Cash Credit Facility
Flexible working capital, supported by the security you already hold.
Orvanta is a financial solutions and loan facilitation platform. We are not a bank, NBFC or lender, and we do not sanction or disburse loans. Loans are offered by our banking and financial institution partners, subject to their eligibility criteria, credit assessment and policies.
- Limit range
- ₹5 Lakh – ₹5 Crore
- Indicative interest range
- 9.5% – 21% p.a.
- Varies by lender, profile and credit history. Illustrative placeholder values.
- Validity
- Typically renewable annually
Amount, rate and tenure figures are editable placeholders (src/data/pricing.ts).
Overview
About Secured OD / Cash Credit
A Secured Overdraft (OD) is a revolving credit limit backed by security such as property or fixed deposits. A Cash Credit (CC) facility is a working-capital limit typically sanctioned against stock and receivables, often with additional security.
Both allow you to draw as needed within the limit and are suited to businesses with ongoing, fluctuating working-capital needs.
Who can apply
- Proprietorships, partnerships, LLPs and companies
- Traders and manufacturers with inventory and receivables (CC)
- Property or deposit holders seeking flexible limits (OD)
Eligibility
Eligibility at a glance
Criteria vary by lender. This is a general guide, not a commitment.
Salaried applicants
- Salaried applicants can sometimes explore an overdraft against property or deposits, subject to lender policy.
Self-employed applicants
- Business vintage and turnover per lender norms
- Acceptable security (property, deposits or other)
- Satisfactory banking conduct and credit history
Documentation
Basic documents you may need
Exact requirements are set by the lender. Share documents only through secure channels. Never send them over social media or unverified links.
Salaried
- Identity and address proof (as per KYC norms, shared securely with the lender)
- Latest 3 months’ salary slips
- Latest 6 months’ salary-account bank statement
- Employment proof / Form 16 where applicable
Self-employed
- Identity and address proof (as per KYC norms, shared securely with the lender)
- Latest 2–3 years’ ITR with computation of income
- Latest 12 months’ bank statements
- Business proof (registration / GST / Udyam / shop licence)
- Security / collateral documents
- Stock and book-debt statements where applicable (for CC)
- Projected financials where applicable
Key benefits
Why consider a Secured OD / Cash Credit
Interest on utilisation
Interest is generally charged on the amount used.
Security-backed structure
Secured limits can support larger amounts and more competitive pricing than unsecured options, though this varies.
Cash-flow alignment
Helps bridge gaps between payables and receivables.
Application process
A clear, step-by-step process
You always know what happens next, and who decides what.
- 1
Share your enquiry
Fill the short form or call us. No PAN, Aadhaar or OTP is needed at this stage.
- 2
Profile discussion
A financial expert understands your requirement, income, obligations and timelines.
- 3
Options from partners
We shortlist suitable products from our banking and financial institution partners based on your profile and their policies.
- 4
Documentation
You share documents securely with the lender as they request. We help keep the file complete and organised.
- 5
Lender assessment & sanction
The lender evaluates your application and decides on approval, pricing and terms. We keep you informed.
Calculator
Check your indicative eligibility
An illustrative estimate using the details you enter. Nothing is sent to us.
Your indicative result appears here
Enter your monthly income and the amount you need.
Indicative estimate
- Indicative interest rate range
- -
- Estimated EMI
- -
- Indicative eligibility
- -
Documents usually required
Next steps
- Speak to a financial expert to validate these assumptions.
- We shortlist suitable partner lenders based on your profile.
- You share documents securely with the lender, who decides on sanction.
Indicative only. Not an offer or assurance of approval. Final eligibility, pricing and sanction are determined by the lending institution.
FAQs
Secured OD / Cash Credit: Frequently asked questions
What is the difference between OD and CC?
Both are revolving limits. CC is typically for business working capital against stock and receivables; OD is often against property, deposits or other security. Features vary by lender.
Can the limit change?
Yes. Lenders review limits periodically, and drawing power in CC may change with your stock and receivable statements.
Is approval of a secured od / cc guaranteed?
No. Approval, amount, interest rate and tenure are decided only by the lending institution after assessing your credit profile, income, obligations and its own policies. We help you identify suitable options but cannot assure an outcome.
Do I need to share PAN, Aadhaar or OTPs on this website?
No. Our enquiry form does not collect them, and we will never ask for OTPs, passwords or card/UPI PINs. KYC documents are shared directly and securely with the lender when you proceed.
Are you a bank or NBFC?
No. We are a financial solutions and loan facilitation platform that works with banking and financial institution partners. Loans are sanctioned and disbursed by the lender.
Apply now
Secured OD / Cash Credit enquiry
Share your requirement and a financial expert will get in touch. This is an enquiry, not a loan application.
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Learn moreYour Financial Goals Deserve the Right Guidance.
Tell us what you are planning. A financial expert will understand your needs, explain your options clearly and help you take the next step with confidence.
No PAN, Aadhaar or OTP is required to enquire. An enquiry does not guarantee approval of any product.