Overdraft Salaried

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Overdraft for Salaried Professionals: Instant Funds with Flexibility

Get easy access to extra funds whenever you need them without breaking your savings. Our Overdraft facility for salaried individuals offers a pre-approved credit limit linked to your salary account, ensuring financial flexibility for emergencies, big purchases, or short-term needs.

Withdraw funds anytime up to your sanctioned limit and pay interest only on the amount you actually use, not on the entire limit.

Key Features & Benefits

Manage unexpected expenses with these benefits:

Pre-approved credit limit based on your salary and repayment capacity.
Interest charged only on the amount utilized.
Flexible repayment options with automatic salary account linkage.
No need to break fixed deposits or savings for urgent needs.
Quick approval and easy online access to funds.

Eligibility Criteria

Age: 21–60 years
Employment: Salaried individual with a stable job
Income: Minimum monthly income as per bank policy
Credit Score: 700+ preferred

Documents Required

✔ Identity Proof – Aadhaar, PAN, Passport, or Voter ID
✔ Address Proof – Utility bills or rental/ownership documents
✔ Income Proof – Latest salary slips and bank statements
✔ Employment Proof – Offer letter or employment certificate

How to Apply

1. Check your eligibility and credit limit with your salary account bank.
2. Submit the application online or at the nearest branch.
3. Provide required KYC and income documents.
4. Receive instant approval and start using funds immediately through your salary account.

Our Overdraft facility for salaried customers provides instant access to funds with the freedom to use and repay as per your needs—making it the perfect solution for unplanned expenses.