At SHIVRAM CAPITAL & FINANCE PVT LTD, we understand that businesses and professionals often face temporary cash flow gaps. An Overdraft Facility (OD) is the perfect solution to manage short-term financial requirements without taking a full loan amount.

With our overdraft services, you get access to funds when you need them — and you pay interest only on the amount you use.

What is an Overdraft Facility?

An Overdraft is a flexible credit limit approved by the bank, allowing you to withdraw funds beyond your available account balance up to a sanctioned limit.

It works like a financial cushion — ready to support your working capital needs anytime.

Key Features of Our Overdraft Facility

✔ Pay Interest Only on Used Amount
✔ Flexible Withdrawal & Repayment
✔ Revolving Credit Facility
✔ Higher Credit Limits
✔ Quick Approval Process
✔ Minimal Documentation
✔ Secured & Unsecured Options Available

Who Should Apply?

Our Overdraft Facility is ideal for:

• Business Owners

• Traders & Manufacturers

• MSMEs & Startups

• Self-Employed Professionals

• Contractors

• Service Providers

If your business has seasonal income or irregular cash flow, an overdraft is the smartest financial solution.

Types of Overdraft We Provide

🔹 Overdraft Against Property
🔹 Overdraft Against Fixed Deposit
🔹 Business Current Account Overdraft
🔹 Overdraft Against Securities

We help you choose the best option based on your profile and requirement.

Benefits of Choosing SHIVRAM CAPITAL & FINANCE PVT LTD

At SHIVRAM CAPITAL & FINANCE PVT LTD we don’t just arrange funding — we structure smart financial solutions.

✔ Expert Financial Consultation
✔ Comparison of Multiple Banks & NBFCs
✔ Competitive Interest Rates
✔ Smooth & Fast Processing
✔ End-to-End Support
✔ Transparent Charges

Our goal is to ensure your business never stops due to temporary cash shortages.

Documents Required

• PAN Card

• Aadhaar Card

• Business Proof

• Bank Statements

• ITR / Financial Statements

• Property Documents (for secured OD)

Our Simple Process

1️⃣ Requirement Analysis
2️⃣ Eligibility Check
3️⃣ Documentation & Application
4️⃣ Sanction & Activation of OD Limit