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Flexible Cash Flow with Jfinserv Overdraft Facility

Withdraw funds anytime and pay interest only on what you use.

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Product Overview

Manage Cash Flow Seamlessly with Overdraft Facility

Jfinserv’s Overdraft Facility provides instant access to funds for day-to-day business needs, allowing you to withdraw money as required and pay interest only on the amount utilized.

Withdraw funds anytime within
approved limit
Ideal for working capital & short-
term needs
Helps manage seasonal cash flow
gaps
Overdraft Facility
Apply Now
Interest charged only on utilized
amount
Flexible repayment with revolving
credit
Simple documentation & quick
approval

Why Choose Our Overdraft Facility?

Financial flexibility when you need it the most

An overdraft facility gives your business instant liquidity to handle operational expenses, bridge cash flow gaps, and respond to opportunities without taking a fresh loan each time.

Reusable Credit Limit

Enjoy industry-leading rates starting from 7.10%
(as per CIBIL score).

Pay Interest on Usage

Complete your entire loan application online in
minutes. No branch visits, no paperwork hassles.

Instant Access to Funds

Get your loan approved and disbursed within
hours of document verification with our
streamlined process.

Improved Cash Flow Control

Enjoy industry-leading rates starting from 7.10%
(as per CIBIL score).

Simple Documentation

Complete your entire loan application online in
minutes. No branch visits, no paperwork hassles.

Our Property Loan Benefits

Everything you need for a seamless Property Loan

On-Demand Liquidity

Withdraw funds whenever required without reapplying for a loan.

Cost-Effective Borrowing

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

Flexible Repayment

Repay and reuse the credit multiple times within the tenure.

Business Continuity

Maintain uninterrupted operations during cash flow gaps.

Quick Processing

Faster approvals with minimal documentation.

Expert Assistance

Dedicated support throughout the overdraft lifecycle.

Eligibility & Documents

Eligibility Criteria

  • Applicant must be an Indian resident or eligible NRI
  • Stable income or business cash flow required
  • Good credit history preferred
  • Clear repayment capacity assessed by lender
  • Banking relationship impacts approval

Required Documents

  • Duly filled and signed overdraft application form
  • PAN Card of applicant
  • Recent passport-size photographs
  • Identity proof (Aadhaar / Passport / Driving License)
  • Address proof of residence / office
  • Bank statements (6-12 months)
  • Processing fee cheque

Eligibility Criteria

  • Applicant must be an Indian resident or eligible NRI
  • Stable income or business cash flow required
  • Good credit history preferred
  • Clear repayment capacity assessed by lender
  • Banking relationship impacts approval

Required Documents

  • Latest salary slips (last 3–6 months)
  • Form 16 / Form 26AS
  • Employment ID card or appointment letter
  • Salary account bank statement

Eligibility Criteria

  • Applicant must be an Indian resident or eligible NRI
  • Stable income or business cash flow required
  • Good credit history preferred
  • Clear repayment capacity assessed by lender
  • Banking relationship impacts approval

Required Documents

  • Income Tax Returns for last 2–3 years
  • Audited balance sheet and P&L statements
  • Business bank statements for last 12 months
  • Net worth statement of promoters

Eligibility Criteria

  • Applicant must be an Indian resident or eligible NRI
  • Stable income or business cash flow required
  • Good credit history preferred
  • Clear repayment capacity assessed by lender
  • Banking relationship impacts approval

Required Documents

  • GST registration certificate
  • Shop Act / Udyam / MSME registration
  • Partnership deed / MOA & AOA (if applicable)
  • Board resolution for overdraft facility
  • Business address proof

Eligibility Criteria

  • Applicant must be an Indian resident or eligible NRI
  • Stable income or business cash flow required
  • Good credit history preferred
  • Clear repayment capacity assessed by lender
  • Banking relationship impacts approval

Required Documents

  • Sanction letters of existing loans
  • Statement of existing overdraft / CC limits
  • Collateral documents (if overdraft is secured)
  • Any additional documents as required by lender

Calculate Your Home
Loan EMI

Get an instant estimate of your monthly payments and plan
your finances better

Calculate Detailed EMI →
Sample EMI Breakdown
₹45,500/month
Loan Amount: ₹50,00,000 /
Tenure: 20 years /
Rate: 8.25% p.a.
₹50L Principal
₹59L Interest
₹109L Total
₹50L Principal

Frequently Asked Questions

Get answers to common queries about Home Loans

What is a home loan? ▼
A home loan is a loan provided by a financial organisation to help individuals or families purchase a home. It allows borrowers to finance the purchase of a property by borrowing money from the lender and repaying it over a specified period of time, along with interest.
What documents are required for a salaried individual to apply for a home loan? ▼
Following documents of a salaried person are needed to apply for a home loan.
  • KYC documents (identity and address proof)
  • Income proof (Salary slips)
  • Last 6 months account statements
What documents are required for a self-employed individual to apply for a home loan? ▼
Following documents of a self-employed person are needed to apply for a home loan.
  • KYC documents (identity and address proof)
  • Income proof (P & L Statement)
  • Last 6 months account statements
  • Business proof
What are the interest rates for home loans offered by Jfinserv? ▼
The interest rate for home loans offered by Jfinserv is based on market conditions, the loan amount, tenure, and the applicant's credit profile. Jfinserv strives to offer competitive interest rates to make home ownership affordable for its customers.
What is the maximum loan amount and tenure offered for home loans by Jfinserv? ▼
The maximum loan amount and tenure offered for home loans may vary depending on factors like applicant's income, repayment capacity, and the value of the property. Jfinserv offers competitive loan amounts and flexible repayment tenures to suit the needs of borrowers.
What is the process for applying for a home loan with Jfinserv? ▼
The process for applying for a home loan involves filling out an application form, submitting the required documents, undergoing credit appraisal, property valuation, and loan approval. Our dedicated team of experts will assist you at every step of the application process to ensure a smooth and hassle-free experience.
What are the different types of home loans offered by Jfinserv? ▼
Jfinserv offers various types of home loans to meet the diverse needs of customers, including home purchase loans, home construction loans, home improvement loans, and balance transfer loans. Each type of loan is designed to address specific requirements related to buying, constructing, or renovating a home.