Business Overdraft Loan
Keep operations humming with instant access to extra funds — a Business Overdraft Loan from Janmudra smooths cash flow gaps, covers working capital and absorbs surprise expenses, with quick approvals, light paperwork and flexible repayment.
Get Your Business Overdraft Today
Quick & Easy Application
Purpose: Your data is collected exclusively to check your loan eligibility and securely connect you with your chosen lending partner. We process this information strictly in accordance with RBI guidelines to facilitate your application. We do not sell your data, and it is used exclusively to facilitate your loan application.
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CustomersActive users
70+
BanksPartner banks
170
BranchesNationwide
What is a Business Overdraft Loan?
A business overdraft loan — an OD loan for business — is a credit facility that lets you draw more than what sits in your current account, up to an approved cap. Interest applies only to the amount you actually use, and only for the days you use it.
It suits businesses that want flexibility over a fixed borrowing: no set amount, no set period. Within your sanctioned limit you can withdraw, repay and withdraw again — full control over your cash flow.
Business Overdraft Loan EMI Calculator
Loan Details
Results
Features & Benefits of Business Overdraft Loan
Quick Cash Flow Support
Meet working capital needs, pay suppliers and cover operational costs the moment they arise.
Flexible Withdrawals
Draw exactly what you need and repay when customer payments come in.
Pay Interest Only on Used Amount
Interest accrues on what you actually use — never on the whole limit.
No Fixed EMIs
Repay at your own pace within the agreed limit period.
Continuous Access to Funds
Tap the facility as many times as needed during the tenure without reapplying.
— Eligibility —
Business Overdraft Loan Eligibility Criteria
Meeting these simple requirements is all it takes:
Age
21 to 65 years
Business
At least 3 years of continuous operations
Turnover
Minimum annual turnover as per lender requirements
Credit Score
Preferably 700+ for unsecured overdrafts
Banking History
Good account statement for the last 6 to 12 months
Documents Required for Business Overdraft Loan
— Documents —
Keep these basics ready for a fast online approval:
Types of Business Overdraft Loans forEvery Life Need
Whatever the moment calls for, there is a flexible, fast option built to back it.
Urgent Working Capital Needs
When suppliers, salaries or pressing operational costs cannot wait.
Learn MoreFlexible Loan Alternative
Anyone after a more adaptable option than a fixed-term business loan.
Learn MoreCash-Flow-Gap Businesses
Retail shops, manufacturing units, traders and service firms that hit periodic cash crunches.
Learn MoreHow to Apply for a Business Overdraft Loan?
Apply online in just a few simple steps
Step 1
Click the Apply Now button on this page.
Step 2
Complete the online form with basic business details and the limit you need.
Step 3
Upload KYC, business proof and financial records digitally.
Step 4
Our system runs an instant eligibility check and lines up the best lenders.
Step 5
On approval, your overdraft limit goes live and is ready to use.
Business Overdraft Loan Interest Rate & Applicable Charges
The charges that apply across different parts of the loan are tabled below:
| Particulars | Charges |
|---|---|
| Loan Type | Revolving credit facility for businesses |
| Loan Amount | Based on business turnover — from ₹1 lakh to ₹1 crore |
| Interest Rate | Competitive overdraft rates starting from 9.5% p.a. |
| Tenure | 12 months to 36 months, renewed annually |
| Collateral | Both secured and unsecured options available |
| Repayment | Flexible — repay anytime within the tenure |
| Processing Time | Instant approval and quick activation |
Compare Business Overdraft Loan Offers from Our Top Lenders
Rates, tenures and charges vary between lenders and states — compare through Janmudra without touching your credit score.
| Lender | Interest Rate (p.a.) | Overdraft Limit | Processing Fee | Renewal / Tenure |
|---|---|---|---|---|
| HDFC Bank | Starting at 9.5% | ₹1 lakh - ₹50 lakh | Up to 2% of limit | Annual renewal available |
| ICICI Bank | 9.75% - 12.50% | ₹1 lakh - ₹1 crore | Up to 2% of sanctioned amount | 12 months, renewable |
| Axis Bank | Linked to Repo Rate | Up to ₹50 lakh | 1% - 2% of limit | 12 months, renewable |
| Kotak Mahindra Bank | Starting at 10% | ₹1 lakh - ₹1 crore | Up to 2.5% | Annual limit review |
Success Storiesfrom Our Happy Customers
Discover how Janmudra has helped thousands of individuals across India achieve their dreams with seamless business overdraft loan solutions.
Monika
Verified Customer
Mumbai
"I took Janmudra Business loan and my decision was perfectly alright for my business."
Amount
₹5,00,000
Purpose
Business Loan
Rishabh Verma
Verified Customer
Bangalore
"Took Medical Loan from Janmudra when my CIBIL was low, and got my loan approved within a day."
Amount
₹7,50,000
Purpose
Medical Loan
Priyanka
Verified Customer
Delhi
"They are providing quick financial aid services and even have a portal to track the loan process."
Amount
₹12,50,000
Purpose
Wedding Loan
Akash
Verified Customer
Bangalore
"Just got my personal loan worth Rs. 5 lakh disbursed within a day."
Amount
₹5,00,000
Purpose
Personal Loan
Pooja
Verified Customer
Bangalore
"Taking Business Loan has become easier with Janmudra thanks to their transparent services."
Amount
₹5,00,000
Purpose
Business Loan
Frequently Asked Questions
Everything you need to know about Business Overdraft Loans from Janmudra.