To access the old website

Click Here
    • Axis Icon

      Axis Bank is now on WhatsApp !

      Send us a 'Hi' on 7036165000 for all your banking needs

      SIGN-UP

Cash Credit And Overdraft - Working Capital Loans

Support your working capital and ongoing operational expenses with ready source of MSME funding by availing Axis Bank’s Cash Credit and overdraft products. Residential/Commercial property, fixed deposits, liquid collateral, etc. can be offered as security. Interest on these products is charged only on the utilised amount.

Commercials

Loan processing chargesPart pre-payment chargesForeclosure chargesPenal interestRepayment instruction / instrument return charges
Up to 1.25% + applicable taxesNA2.00% of sanction limit2.00% p.a. additional on existing rate of interest₹500 per instance + applicable taxes
Eligibility Documentation

Eligibility for Cash Credit And Overdraft

Business Vintage

  • Minimum 3 years in current profession Age

Age

  • Minimum 21 years at the time of loan application
  • Maximum 70 years at the end of loan tenure Residence / Office Stability

Residence / Office Stability

  • Either office or residential property should be owned
  • In case of rented accommodation, residence stability should be at least 12 months, not applicable if shifted to owned house
  • Office stability should be at least 24 months

Turnover

  • Minimum ₹30 lakhs to maximum ₹30 crores Minimum Income

Minimum Income

  • In case of individuals, minimum income should be ₹2.5 lakhs as per ITR for the last 2 years
  • In case of non-individuals, minimum cash profit should be ₹3 lakhs for the last 2 years

Documentation for Cash Credit And Overdraft

  • KYC Documents
  • Duly filled in application form signed by the customer
  • Relevant financial documents
  • Bank account statement of last 6 months
  • PAN card/Form 60
  • Business Proof

Frequently Asked Questions

We offer the Cash Credit and Overdraft facility to resident individuals (with business registration), proprietorship firms, partnership firms, LLP, pvt. ltd. companies and unlisted public companies.

We offer competitive interest rates for our loan facilities. The interest for each loan is determined based on assessment of your business profile, past track record, financial records, loan amount required and tenure of loan.

Interest is charged only on the amount utilized and not on the entire sanctioned limit.

No, we do not have any annual review charges. But for every OD/CC renewals processing fees is levied.

Yes, Collateral is required against the facility as follows:
OD - Only property collateral is required.
CC - Primary security of stock and book debts required along with property collateral.

Load More
Scroll To Top
DCGC

Copyright@ 2025 Axis Bank