Need flexible cash? Let's look at overdraft options.
If your salary doesn't always stretch to month-end, an overdraft or credit line can help. We'll also check if another route would cost you less.
Check my overdraft options- Free assessment
- For salaried professionals
- No pressure to go ahead
50+
partner banks and NBFCs compared
9.95%
p.a.* starting rate for eligible salaried applicants
₹1 Cr
maximum loan amount from select lenders*
84
months of maximum repayment tenure*
Why an overdraft.
Flexible credit that you pay interest on only when you use it.
Use what you need
Interest is charged on the amount drawn, not the full limit.
Ready when needed
Draw funds quickly for short-term gaps.
Compared with loans
We check whether another route would cost you less.
No pressure
Decide only after seeing your options.
How an overdraft works.
A limit you can draw from
Instead of one lump sum, you get a limit and use what you need, when you need it.
Interest on what you use
With many overdraft and credit-line products, interest is charged on the amount drawn, not the whole limit. Terms vary by lender.
Not always the cheapest
If you stay in overdraft for long, the cost can add up. We'll tell you if a personal loan would work out better.
What will lenders look at?
Every bank has its own rules, but these are the usual things. Knowing them upfront saves you time.
Meeting these helps us shortlist options for you, but it isn't a guarantee of approval. The lender always makes the final call.
They usually check
- Age: 21 to 58 years
- Employment Type: Salaried (Private Ltd, MNC, Govt, PSU)
- Minimum Net Monthly Income: ₹25,000+
- Credit Profile: Minimum 650 CIBIL preferred (fresh profiles also reviewed)
- Existing EMIs: Less than 65% of net monthly income
Keep these handy
- PAN card & Aadhaar
- Latest 3 salary slips
- 6 months of bank statements
- Current loan sanction letters
- Credit-card statements
- Proof of employment
You don't upload anything when you first contact us. Files are only shared when you apply with a specific lender.
How much could you stop paying every month?
Put in what you pay now. We'll show what it might look like as one loan. It's only an estimate, but it's a good place to start the conversation.
What do you owe right now?
Partner banks start from 9.95% p.a.* for eligible salaried applicants.
Today you pay
₹35,000 a month
As one loan, it could be about
₹13,971 a month*
That's roughly ₹21,029 less every month, and about ₹12,61,738 over 5 years.
Get my free assessment*Illustrative estimates only. Actual savings, approval, rates and tenure are decided by the lender after checking your credit.
What people say.
I had four EMIs due on different dates. Now it's one payment and I finally know what I owe.
They told me honestly that switching wouldn't save much on one of my loans. I appreciated that.
Simple process, no jargon, and nobody pushed me to sign up for anything.
Common questions.
See what you could save, in about two minutes.
Tell us a little about yourself. We look at your credit profile the way a lender would, so what we tell you is realistic, not a sales pitch.
- We never ask you to pay anything.
- Your details stay with us unless you say otherwise.
- You decide what happens next.