Cash Credit & Overdraft Loans in Ahmedabad
Jab Business Ko Lage Turant Paison Ki Zarurat, OD & CC Se Mile Turant Madad
Whether you’re a manufacturer, wholesaler, trader, or service provider, we help structure the ideal CC or OD loan based on your turnover, assets, and banking history. With over a decade of experience and 1200+ MSMEs served, our team ensures quick sanction, minimal paperwork, and transparent advisory support.
Cash Credit & Overdraft Loans in Ahmedabad
Jab Business Ko Lage Turant Paison Ki Zarurat, OD & CC Se Mile Turant Madad
Whether you’re a manufacturer, wholesaler, trader, or service provider, we help structure the ideal CC or OD loan based on your turnover, assets, and banking history. With over a decade of experience and 1200+ MSMEs served, our team ensures quick sanction, minimal paperwork, and transparent advisory support.
Cash Credit & Overdraft Loans in Ahmedabad
Jab Business Ko Lage Turant Paison Ki Zarurat, OD & CC Se Mile Turant Madad
Whether you’re a manufacturer, wholesaler, trader, or service provider, we help structure the ideal CC or OD loan based on your turnover, assets, and banking history. With over a decade of experience and 1200+ MSMEs served, our team ensures quick sanction, minimal paperwork, and transparent advisory support.
- Short-Term Working Capital Access
- CC/OD Against Property, FD, or Business Turnover
- Pay Interest Only on Utilized Amount
- Loan Limit up to ₹5 Crore+
Competitive Interest Rates
Starting from ~ 0.67% per month*
Fast Turnaround Time
Within 48* hours
Flexible Loan Tenure
12 Months to 5 years
Types of Cash Credit & Overdraft Loans We Offer
At Accurate Finance Solution, we offer comprehensive support for multiple types of Cash Credit and Overdraft Loans in Ahmedabad, helping businesses across sectors meet their working capital requirements with agility and financial control. Whether you’re a trader in Kalupur, a manufacturer in Naroda GIDC, or a service provider in SG Highway, we match you with the right credit facility from trusted banks and NBFCs.
Cash Credit Loan Against Stock & Receivables
This is the most popular working capital loan for MSMEs, traders, and manufacturers.
Key Features:
- Credit limit based on stock-in-hand and outstanding receivables
- Works like a revolving credit line
- Typically renewed annually
- Interest charged only on the drawn amount
Best For:
- Textile businesses in Rakhial, Odhav
- Chemical or pharma manufacturers in Vatva GIDC
- Electronics or FMCG wholesalers in Kalupur
Overdraft Loan Against Property (Mortgage OD)
A secured overdraft facility where your residential or commercial property is pledged as collateral.
Key Features:
- Higher credit limits (₹10 lakh – ₹5 crore+)
- Long-term limit with flexible usage
- Lower interest rates due to asset backing
- Can be used for business operations, expansion, or emergencies
Best For:
- Business owners with clean property titles
- Professionals & service providers in Ahmedabad
- Import-export businesses and logistics firms
Overdraft Loan Against Fixed Deposit (FD OD)
This facility allows businesses or individuals to borrow against their fixed deposit with the bank.
Key Features:
- Credit limit up to 90% of FD value
- Lower interest rate (1–2% above FD rate)
- Minimal documentation
- Ideal for short-term working capital gaps
Best For:
- Businesses with idle FDs
- High-net-worth individuals and professionals
- Temporary liquidity requirements without breaking FD
Current Account Overdraft Facility
Overdraft based on your business’s current account cash flow or average monthly balance.
Key Features:
- Sanctioned limit based on turnover and transaction volume
- Ideal for businesses with consistent banking habits
- Unsecured or semi-secured depending on profile
- Requires strong CIBIL and cash flow proof
Best For:
- Traders, retailers, e-commerce vendors
- Transport and service-based businesses
- Ahmedabad-based professionals with regular income
Unsecured Overdraft Facility (Select Profiles Only)
For established businesses with strong financials, we help secure unsecured OD limits without collateral.
Key Features:
- Limits up to ₹25–50 lakh
- Higher interest rate (11–16% depending on lender)
- Only for top-rated borrowers with excellent repayment history
- Quick processing with basic documentation
Best For:
- CA firms, legal consultancies, healthcare service providers
- Businesses with 5+ years of turnover above ₹3 crore
- Entrepreneurs with strong credit ratings
Documents Required for CC/OD Loans
Accurate Finance simplifies documentation and ensures proper bank-ready file preparation for faster approval.
Standard Documents:
- PAN, Aadhaar of proprietors/partners/directors
- GST Certificate / Udyam Registration
- Last 12 months bank statements
- ITRs & Audited Financials (last 2–3 years)
- Stock & Debtor Statement (for CC)
- Property papers (for OD)
- Net worth or CA-certified financials
Documents Required for CC/OD Loans
Accurate Finance simplifies documentation and ensures proper bank-ready file preparation for faster approval.
Standard Documents:
- PAN, Aadhaar of proprietors/partners/directors
- GST Certificate / Udyam Registration
- Last 12 months bank statements
- ITRs & Audited Financials (last 2–3 years)
- Stock & Debtor Statement (for CC)
- Property papers (for OD)
- Net worth or CA-certified financials
Loan Amount, Interest Rate & Repayment Terms
| Loan Feature | Details |
|---|---|
| Loan Amount | ₹5 lakh – ₹5 crore+ |
| Interest Rate | 9% – 14% p.a. (charged on usage only) |
| Loan Tenure | Typically 12 months, renewable annually |
| Collateral | Property, FD, stock, receivables |
| Margin Requirement | 20%–40% depending on collateral type |
Note* : Interest is applicable only on the drawn amount, not on the entire limit. There’s no fixed EMI—repay as per business cash flow.
Who Should Apply for CC/OD Loans?
If your business experiences seasonal sales, delayed payments from clients, or bulk raw material procurement needs, a Cash Credit or Overdraft Loan in Ahmedabad can provide essential liquidity.
Ideal for:
- Small & Medium Enterprises (SMEs)
- Manufacturers & Exporters
- Wholesalers & Traders
- Builders & Contractors
- Service-based businesses (IT, logistics, etc.)
- Businesses operating in GIDC zones, SG Highway, Naroda, Changodar, Odhav, etc.
No matter your scale MSME or SME we customize your funding solution based on your project’s size, cash flow, and compliance.
Why Choose Accurate Finance Solution for CC/OD Loans in Ahmedabad?
With 10+ years of experience and deep understanding of Ahmedabad’s lending landscape, we are your reliable CC/OD loan consultant.
Why Businesses Trust Us:
- 1200+ MSMEs & SMEs served
- Multiple lender tie-ups for quick approval
- Local market knowledge of industrial sectors
- Transparent advice & low documentation stress
- Complete post-sanction guidance
Get Your CASH CREDIT Loan in Ahmedabad
In 7 Easy Steps with Accurate Finance Solution
Get Your CASH CREDIT Loan in Ahmedabad In 7 Easy Steps with
Accurate Finance Solution
Accelerate Your Business with
Accurate Finance Solution
Get quick loan approvals, minimal paperwork, and easy repayment plans tailored for your needs. Apply now and take the first step toward growing your business with confidence.
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C-6 & D-6, Krishna Complex, Naroda Rd, Above BOB Bank, Ahmedabad, Gujarat 382345
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C-6 & D-6, Krishna Complex, Naroda Rd, Above BOB Bank, Ahmedabad, Gujarat 382345
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