Overdraft Facility Against Property – Pay Interest Only on What You Use
Get Overdraft up to ₹10 Crore with floating interest linked to Repo Rate, minimal paperwork, and no monthly stock statements.
What Is an Overdraft Facility?
An Overdraft Facility (OD) is a secured credit facility sanctioned against your residential or commercial immovable property, allowing you to withdraw funds as and when required and pay interest only on the amount utilized, while continuing to own and use the property.
Unlike term loans, an OD offers greater flexibility, making it ideal for managing business cash flows and short-term funding needs..
Because the facility is secured by property, an Overdraft generally offers:
- Higher credit limits (subject to eligibility)
- Lower interest rates compared to unsecured loans
- Interest charged only on the utilized amount
- Flexible withdrawals and repayments
Unlock Flexible Funds Against Your Property — Pay Interest Only on Usage
At Dynamic Finserve, we help individuals, professionals, and businesses secure Overdraft Facilities against property through our network of 40+ leading banks & NBFCs.
Borrowers can avail OD limits based on the market value of their residential or commercial property, with floating interest rates and flexible servicing options — making it an efficient solution for ongoing funding requirements.
Key Features
Benefits of LAP
Uses of LAP
Our Overdraft (OD) Offerings
At Dynamic Finserve, we offer both Secured and Unsecured Overdraft Facilities to match the unique funding needs of businesses, professionals, and entrepreneurs.
Whether you have property to mortgage or need funding without collateral, we help you structure the right OD solution through our network of 40+ leading banks & NBFCs.
Secured Overdraft (OD Against Property)
A secured overdraft is sanctioned against residential, commercial, or industrial immovable property.
Key Highlights:
- Higher OD limits (subject to property value & eligibility)
- Competitive floating interest rates
- Interest charged only on amount utilized
- Flexible withdrawals and repayments
- Longer tenure with annual renewal
- Suitable for large and ongoing funding needs
Ideal For:
- Businesses needing high working capital limits
- Expansion or project funding
- Companies with property ownership
Unsecured Overdraft (OD Without Collateral)
An unsecured overdraft is provided without pledging property, based on business turnover, income strength, and credit profile.
Key Highlights:
- No collateral required
- Faster processing and approval
- Suitable for short-term or moderate funding needs
- Flexible usage within sanctioned limit
- Interest charged on utilized amount
Ideal For:
- Established businesses with strong banking history
- Professionals with stable income
- Professionals with stable income
Why Dynamic Finserve for Overdarft Facility?
Overdraft Eligibility & Documents
Simple requirements. Clear documentation. Expert support.
Overdraft Eligibility Criteria
You can apply for a Overdarft loan if:
Note:
Even new businesses with a strong business plan can apply.
Documents Required for Overdraft Facility
Business Documents
Property Documents
Financial Documents
Personal / KYC Documents
* Exact documents and eligibility may vary based on your business profile, loan amount, and bank/ NBFC policies.
Our loan experts at Dynamic Finserve help you identify the best lender with the least documentation for faster approval. *
Simple 4-Step Overdarft Loan Process
Get your Overdarft loan approved smoothly in just four simple steps with Dynamic Finserve.
Check Eligibility
Share basic business details such as business type, turnover, and funding requirement.
Document Submission
Submit required KYC, business, and financial documents digitally. We verify and organize your documents to ensure they meet bank and CGTMSE compliance standards.
Bank & CGTMSE Approval
Your loan proposal is professionally structured and submitted to our partner banks and NBFCs. The bank evaluates the application and processes CGTMSE coverage for collateral-free approval.
Loan Disbursement
Loan amount is disbursed directly to the seller or your account.