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Featured Overdraft (OD) Facilities of Standard Chartered Bank Personal Loans

  • Payroll Overdraft Service:

    Purpose and Accessibility: The payroll overdraft is a revolving credit facility tailored for salaried customers, enabling them to withdraw funds beyond their account balance up to an approved limit. It’s ideal for covering unexpected expenses, such as medical emergencies or urgent purchases, without the need for a separate loan application.

    Interest Rate: Offers a competitive interest rate, with rates as low as 15.5% per annum for the payroll overdraft in India. Interest is charged only on the amount utilized and for the duration of use, making it cost-effective if managed well.

    Eligibility: Requires a salary account with Standard Chartered Bank. For new customers, the overdraft can be set up after the first salary credit, provided there’s an employer confirmation letter for salary transfer. Minimum salary requirements vary by region (e.g., INR 22,000/month in India, KES 75,000/month in Kenya, UGX 1M/month in Uganda).

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    • No Fixed Repayment Schedule: Unlike term loans, OD facilities allow repayment at the borrower’s convenience. Interest is typically serviced monthly, but principal repayment is flexible.
    • Quick Access: Immediate fund access without the waiting period of traditional loans, especially for pre-approved OD facilities.
    • No Pre-Closure Charges: Borrowers can close the OD account or repay the outstanding amount without penalties, enhancing flexibility.
    • Eligibility for OD: Employees of government, PSUs, listed companies, or autonomous bodies with salary accounts at Indian Bank. Organizations with 50+ salary accounts at Indian Bank are also eligible.
    • Credit Score Requirement: A credit score of 750+ improves chances of approval and may qualify for lower interest rates.
    • Tenure: Typically up to 5 years. The OD tenure may be aligned with the borrower's employment period or maturity of the pledged deposit.
    • Documentation: Minimal documentation for existing customers (e.g., salary slips, Form 16, identity and address proof). New customers may need to submit PAN, Aadhaar, and income proof for verification.
    • Flexible Repayment: Interest is serviced monthly, while principal repayment can be done as per convenience, making it suitable for irregular income earners.
    • Interest Rates: Generally lower than credit card interest rates and competitive with personal loans. Interest is charged only on the utilized amount.
    • Limit Determination: OD limit is based on salary (typically one month's gross salary) or up to 90% of pledged deposit value in case of OD against Term Deposits.
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Benefits of Standard Chartered Bank Personal Loan Overdraft (OD) Facilities

  • Interest Charged Only on Utilized Amount: Unlike traditional personal loans with fixed EMIs, overdraft facilities like the Payroll Overdraft and Smart Credit charge interest only on the amount withdrawn and for the duration it’s used. This minimizes borrowing costs, especially for short-term needs or irregular expenses, ensuring cost-effectiveness. For example, if you have a ₹5 lakh limit but use only ₹50,000 for a week, you pay interest only on that ₹50,000 for those days.
  • Flexible Withdrawals and Repayments: The revolving nature of facilities like Smart Credit and Payroll Overdraft allows multiple withdrawals up to the sanctioned limit without additional approvals. Repayments, often linked to salary credits, automatically restore the limit, providing ongoing access to funds. There’s no fixed EMI commitment, offering unmatched flexibility for managing cash flow, emergencies, or planned expenses like travel or medical costs.
  • No Collateral for Unsecured Overdrafts: Facilities such as the Payroll Overdraft and Smart Credit are unsecured, requiring no collateral or guarantors. This eliminates the risk of asset loss and simplifies access for salaried individuals with good credit scores, making it an attractive option compared to secured loans or overdrafts against fixed deposits.
    • Cost Savings with No Usage or Pre-Closure Charges: If the overdraft limit remains unused, no interest or maintenance fees apply (e.g., Smart Credit).
    • Seamless Digital Access and Management: Overdraft accounts can be managed via Standard Chartered’s online banking platform or SC Mobile app, enabling real-time tracking, withdrawals, and repayments.
    • Higher Limits for Financial Flexibility: The overdraft limit, often up to 50% of net monthly salary (e.g., up to ₹50 lakh in India for Smart Credit, KES 400,000 in Kenya, or NGN 1.8 million in Nigeria), provides substantial liquidity.
    • Preferential Treatment for Existing Customers: Salary account holders or long-term Standard Chartered clients often receive priority processing, lower interest rates, or higher limits.
    • Integration with Other Financial Goals: The Home Saver Overdraft, linked to home loans, allows deposits into the OD account to reduce the home loan principal for interest calculations, lowering overall borrowing costs.
    • Multi-Currency and Global Accessibility: For facilities like Wealth Lending Overdraft, available in markets like Singapore and Kenya, clients can borrow in multiple currencies, catering to international financial needs.
    • Quick Disbursal and Minimal Documentation: Overdraft facilities, especially for existing customers, offer rapid approval and disbursal. Minimal documentation—typically identity, address, and salary proofs.
    • Versatile Usage for Personal Needs: Funds from overdraft facilities can be used for any purpose, such as medical emergencies, weddings, travel, mirroring the multi-purpose flexibility you valued in other banks’ loans.
    • No Monthly Repayment Pressure: Unlike standard personal loans with mandatory EMIs, overdrafts like the Payroll Overdraft have no fixed monthly repayment obligation beyond salary credits, which automatically the utilized amount.
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How to Apply for Standard Chartered Bank Personal Loan Overdraft (OD) Facilities

  • 1. Check Eligibility
    • Confirm Eligibility: Ensure you meet the eligibility criteria for the desired OD facility (e.g., Payroll Overdraft requires a salary account with Standard Chartered and a minimum salary, such as ₹22,000/month in India or KES 75,000/month in Kenya).
    • For India, salaried individuals aged 22–58 with a minimum net salary of ₹25,000/month are eligible for Smart Credit or Payroll Overdraft. Self-employed professionals may also qualify for certain facilities with income proof (e.g., ITRs showing ₹4.8 lakh/year). A credit score of 750+ enhances approval chances.
    • For Wealth Lending Overdraft, you need financial assets (e.g., fixed deposits, securities) held with the bank. Home Saver Overdraft requires an existing Standard Chartered home loan.
  • 2. Choose Application Channel
    • Online: Visit the Standard Chartered website (e.g., www.sc.com/in for India, www.sc.com/ke for Kenya) or use the SC Mobile app. Navigate to the “Loans” or “Overdraft” section.
    • Mobile App: Download the SC Mobile app, log in or register, and select the overdraft product under “Borrow” or “Personal Loans.”
    • Branch: Visit a Standard Chartered branch to apply in person. Find the nearest branch via the bank’s website (e.g., www.sc.com/ng for Nigeria).
    • Relationship Manager: For Wealth Lending Overdraft, contact your assigned Relationship Manager or Priority Client Centre for personalized guidance.
  • 3. Fill Out the Application Form
    • Online/App: Enter personal details (name, contact info, employment details), loan amount (or OD limit, e.g., up to ₹50 lakh for Smart Credit in India), and preferred tenure (typically 12 months, renewable). Select the OD product (e.g., Payroll Overdraft, Smart Credit).
    • Branch: Complete a physical application form provided by the bank, specifying the OD facility and desired limit. Attach a recent passport-sized photograph if required (common in India).
  • 4. Complete Video KYC (India-Specific)
    • For online applications in India, schedule and complete a Video KYC session to verify identity and address. This involves a live video call with a bank representative, using Aadhaar or other ID documents. Video KYC enables instant approval for prequalified customers.
    • Ensure a stable internet connection and have your Aadhaar or PAN ready for real-time verification.
  • 5. Submit Required Documents
    • Upload or submit documents digitally (for online/app) or physically (at branches). Common documents include:
      • Identity Proof: Aadhaar, PAN, passport, voter ID, or driving license.
      • Address Proof: Utility bills (electricity, telephone), rental agreement, passport, or driving license.
      • Income Proof: Last 1–3 months’ salary slips and 3–6 months’ bank statements (for salaried); last 2 years’ ITRs and 6 months’ bank statements (for self-employed).
      • Employment Proof: Employer introduction letter (for Payroll Overdraft) or business registration certificate (for self-employed).
      • Collateral Documents (for Wealth Lending Overdraft): Proof of financial assets (e.g., fixed deposit receipts, mutual fund statements).
      • Home Loan Documents (for Home Saver Overdraft): Existing home loan agreement with Standard Chartered.
    • Existing customers with a salary account may need minimal documentation due to prequalified offers.
  • 6. Await Approval and Disbursal
    • The bank reviews your application, credit score, and documents. Approval typically takes:
      • 3 days for Payroll Overdraft in Kenya, provided all documents are submitted.
      • 3–5 days for most OD facilities globally (e.g., Falkland Islands, Nigeria).
      • 3–4 weeks for Smart Credit in India, as it involves setting up a dedicated account with a debit card and chequebook.
    • You’ll receive an SMS acknowledgment within 24 hours of application submission (e.g., in Kenya).
    • Upon approval, the OD limit is activated in your salary account (Payroll Overdraft), a new Smart Credit account, or linked to your home loan/investment account. Funds are accessible via ATM, POS, online transfers, or cheques.
  • 7. Activate and Manage the Facility
    • For Payroll Overdraft, the limit is activated after the first salary credit (new customers need an employer letter confirming salary transfer).
    • For Smart Credit, expect the debit card and chequebook within 3–4 weeks of account setup.
    • Monitor and manage the OD via SC Mobile or online banking for withdrawals, repayments, and balance tracking.
  • Specific Notes for Key OD Facilities
    • Payroll Overdraft (India, Nigeria, Kenya, Uganda, Brunei): Requires a Standard Chartered salary account. New customers must open a payroll account and provide an employer letter confirming salary transfer. The OD is set up after the first salary credit.
    • Smart Credit Overdraft (India): Apply online via www.sc.com/in or SC Mobile for instant approval with Video KYC. A dedicated account is created, requiring 3–4 weeks for setup, including issuance of a debit card and chequebook.
    • Home Saver Overdraft (India): Apply through your existing home loan account manager or online via the “Home Loans” section on www.sc.com/in. Requires proof of an active Standard Chartered home loan. The OD is linked to the home loan account, with disbursal in 4–7 days post-document verification.

Eligibility Criteria for Standard Chartered Bank Personal Loan Overdraft (OD) Facilities

  • Payroll Overdraft:
    • General Eligibility:
      • Applicant Type: Salaried individuals (resident Indians in India; residents or valid work permit holders in other regions).
      • Age: 22–58 years at the time of application (India).
      • Minimum Income: ₹22,000/month net salary in India, varies for other regions.
      • Employment: Permanent employment with a company listed or approved by the bank (minimum 1–2 years of work experience preferred).
      • Bank Account: A salary account with Standard Chartered is mandatory. New customers must open a payroll account and provide an employer letter confirming salary transfer.
      • Credit Score: Minimum credit score of 650, with 700+ preferred for better terms (India).
      • Residency: Indian residents (India); valid employment pass or residency for Brunei and other regions.
    • Additional Requirements:
      • No collateral or guarantors are required, as the facility is unsecured.
      • In Kenya, an introduction letter from the employer on company letterhead is required.
      • In Nigeria, the facility is bundled with a payroll account for new customers, activated post-first salary credit.
  • Smart Credit Overdraft (India-Specific):
    • Eligibility:
      • Applicant Type: Salaried individuals or self-employed professionals (resident Indians).
      • Age: 22–58 years for salaried; 25–65 years for self-employed.
      • Minimum Income: ₹25,000/month net salary for salaried; Annual income of ₹4.8 lakh for self-employed (evidenced by ITRs).
      • Employment/Business Stability: Minimum 1–2 years of work experience for salaried individuals, with at least 6 months with the current employer; Business operational for at least 2 years for self-employed.
      • Credit Score: Minimum 650, with 750+ preferred for higher limits (up to ₹50 lakh).
      • Bank Account: No mandatory Standard Chartered account, but opening one is encouraged for faster processing and priority benefits.
      • Residency: Indian residents only.
    • Additional Notes:
      • Existing Standard Chartered customers with a clean credit record may qualify for prequalified offers with minimal documentation and lower interest rates (starting at 15.5% p.a.).
      • The facility is subject to the bank’s internal credit policies and verification checks.
  • Wealth Lending Overdraft (Kenya, Singapore, and Other Markets):
    • Eligibility:
      • Applicant Type: Salaried, self-employed, or high-net-worth individuals with eligible financial assets held with Standard Chartered.
      • Age: Typically 21–65 years, though specific age limits vary by region.
      • Income/Assets: No specific minimum income, but applicants must hold eligible collateral (e.g., fixed deposits, bonds, mutual funds) with the bank. The OD limit is based on the asset’s market value and loan-to-value (LTV) ratio.
      • Bank Account: A Standard Chartered account (savings, current, or investment) is required to pledge assets and access the OD.
      • Credit Score: A good credit score (700+) is preferred, though the facility relies primarily on collateral.
      • Residency: Residents or valid work permit holders in the offering country (e.g., Kenya, Singapore).
    • Additional Notes:
      • In Kenya, contact a Relationship Manager or Priority Client Centre for eligibility assessment.
      • In Singapore, multi-currency borrowing (e.g., USD, SGD) is available, subject to forex risk.
  • Home Saver Overdraft (India-Specific):
    • Eligibility:
      • Applicant Type: Salaried or self-employed individuals with an existing Standard Chartered home loan.
      • Age: 22–58 years for salaried; 25–65 years for self-employed (aligned with home loan eligibility).
      • Minimum Income: ₹25,000/month net salary for salaried; Turnover >₹1 crore or gross receipts >₹25 lakh for professionals (self-employed).
      • Home Loan Status: Must have an active Standard Chartered home loan (for purchase, construction, or refinance).
      • Credit Score: Minimum 650, with 750+ preferred for favorable terms.
      • Bank Account: A Standard Chartered account is required for the OD facility, linked to the home loan account.
      • Residency: Indian residents only.
      • Collateral: The home loan property serves as collateral; no additional security is needed for the OD.
    • Additional Notes:
      • Applicants must meet the bank’s home loan eligibility, including submission of KYC documents, income proof, and property documents.
      • The OD limit is determined by the home loan amount and repayment capacity.
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Documents Required for Standard Chartered Bank Personal Loan Overdraft (OD)

  • Identity Proof (KYC):
    - Aadhaar Card
    - PAN Card (mandatory for tax purposes and credit checks)
    - Passport
    - Voter ID Card
    - Driving License
    - Photo Ration Card
    - Letter from National Population Register (if applicable)
    - Job Card issued by NREGA (if applicable)
    Note: For Video KYC (VKYC), you’ll need to present the original document during the video call, but no physical submission is required.
  • Address Proof:
    - Passport
    - Aadhaar Card (if not used as identity proof)
    - Voter ID Card
    - Driving License
    - Ration Card
    - Telephone Bill (landline, recent, typically last 3 months)
    - Electricity Bill (recent, typically last 3 months)
    - Life/Medical Insurance Policy
    - Rental Agreement (if applicable)
    - Apartment Allotment Letter (if applicable)
    Note: Ensure the address proof reflects your current residence. For payroll OD customers, the bank may cross-check with salary account details.
  • Income Proof:
    For Salaried Applicants (Payroll Customers):
    - Latest 1-month Salary Slip (showing salary credit to the account, preferably a Standard Chartered account for OD)
    - Form 16 (for the last 1-2 years, showing tax deductions)
    - Bank Statement (3 months, showing salary credits and any EMI debits, ideally from a Standard Chartered account for payroll OD)
    - Appointment Letter or Employment Proof (may be required for new employees or specific profiles)
    For Self-Employed Professionals:
    - Income Tax Returns (ITR) (last 2 years, acknowledged, with computation of income)
    - Bank Statement (6 months, from the primary business account, showing income credits)
    - Profit & Loss Statement and Balance Sheet (last 2 years, certified by a Chartered Accountant, if applicable)
    - Business Proof (e.g., GST registration, partnership deed, or company registration documents, if requested)
    Note: For payroll overdraft, salaried applicants with a Standard Chartered salary account may benefit from minimal documentation, as the bank already has access to salary credit data. Pre-approved OD offers may require only KYC and basic income confirmation.
  • Application Form:
    - A duly filled and signed personal loan overdraft application form with a self-attested photograph is mandatory. This can be submitted online via the bank’s website or at a branch.
    For online applications, basic details (name, contact, employment type, income) are entered digitally, followed by document uploads.
  • Additional Documents (if applicable):
    - Credit Score Report: A CIBIL score of 650 or higher is required, with 700+ preferred. The bank may pull this directly, but applicants can provide a recent report if requested.
    - Existing Loan Statements: If you have loans with other banks, a statement showing repayment history or outstanding balance may be needed, especially for OD limit calculations.
    - Payroll Account Confirmation: For payroll OD, proof of salary credit to a Standard Chartered account (e.g., bank statement or account number) is critical.
    - Additional KYC: In rare cases, the bank may ask for a second ID proof or address proof for high-value OD limits (e.g., close to ₹50 lakh).
    - Business Continuity Proof: For self-employed applicants, documents like shop license, professional degree certificate, or partnership agreements may be requested.
  • Pre-Approved OD Offers:
    - If you’re an existing Standard Chartered customer (e.g., payroll account holder or credit card user) with a pre-approved overdraft offer, documentation may be significantly reduced.
    - Only identity proof and address proof may be required, as income details are already available to the bank.

Factors for Standard Chartered Bank Personal Loan Overdraft (OD)

  • Credit Score (CIBIL Score):
    - A strong credit score is critical for OD approval, as it reflects your creditworthiness and repayment history.
    - Requirement: Standard Chartered typically requires a CIBIL score of 650 or higher, with 700+ preferred for better terms (e.g., higher OD limit, lower interest rate).
    - Impact: A score above 750 may qualify you for pre-approved OD offers with minimal documentation.
    - A lower score (below 650) may lead to rejection or a reduced OD limit with higher interest rates.
  • Income Level:
    - Salaried: Minimum monthly income of ₹30,000 (may vary based on city and profile).
    - Self-Employed: Stable annual income, typically verified via ITR (e.g., ₹3-5 lakh p.a. minimum, depending on the OD amount).
    - Impact: Higher income leads to a larger OD limit (e.g., ₹1 lakh to ₹50 lakh).
    - For payroll OD, salary credited to a Standard Chartered account is a key factor, as it simplifies income verification.
  • Employment Type and Stability:
    - Salaried: Employed with a reputed organization (MNC, PSU, or established private firm) for at least 6 months to 1 year.
    - Self-Employed: Business or profession operational for at least 2-3 years, with proof of continuity (e.g., GST registration, ITR).
    - Impact: Longer job tenure or business stability increases OD limits and approval chances.
    - Frequent job changes or new businesses may require additional documentation or result in lower limits.
  • Debt-to-Income Ratio (DTI):
    - Standard Chartered prefers a DTI below 50% (i.e., existing EMIs should not exceed 50% of monthly income).
    - Impact: A low DTI (e.g., 20-30%) supports higher OD limits and faster approval.
    - A high DTI may lead to rejection or a reduced OD limit, as it signals financial strain.
  • Age of Applicant:
    - Minimum age: 21 years at the time of application.
    - Maximum age: 60 years (salaried) or 65 years (self-employed) at the time of OD maturity.
    - Impact: Younger applicants (e.g., 25-40) with longer earning potential may secure higher limits.
    - Older applicants nearing retirement may face lower limits or shorter repayment tenures.
  • Relationship with Standard Chartered Bank:
    - Active Standard Chartered salary account with regular salary credits (for payroll OD).
    - Good account conduct (e.g., no cheque bounces, maintained minimum balance).
    - Impact: Payroll customers often receive pre-approved OD offers with higher limits (up to ₹50 lakh) and minimal documentation.
  • Residency Status:
    - Applicant must be a resident Indian. Non-Resident Indians (NRIs) may not be eligible for standard OD products.
    - Impact: Non-residents or recent movers to India may face challenges unless they have a verifiable Indian address and income source.
  • Interest Rate and Repayment Capacity:
    - Interest rates for OD typically range from 15.5% p.a. (for payroll OD) to higher rates based on profile.
    - Impact: Strong repayment capacity (e.g., high income, low DTI) results in favorable terms.
    - Weak repayment capacity may lead to a lower OD limit or higher interest rates.
  • Documentation Quality:
    - Complete and accurate documentation supports eligibility and speeds up approval.
    - Incomplete or unclear documents (e.g., illegible scans) can delay or derail approval.
  • Purpose of OD (Flexibility):
    - OD is a multi-purpose facility (e.g., for emergencies, travel, weddings), and the bank may assess the intended use indirectly through your financial profile.
    - Impact: Applicants with clear financial goals and stable profiles are viewed favorably.
    - High-risk profiles (e.g., speculative investments) may face stricter scrutiny if detected.

Frequently Asked Questions (FAQs)

What is a Personal Loan Overdraft (OD) from Standard Chartered Bank?
The Personal Loan Overdraft (OD) is a revolving credit facility that allows you to withdraw funds up to an approved limit, repay, and reuse the limit as needed. It’s designed for flexible financial needs (e.g., emergencies, travel, weddings), with interest charged only on the amount utilized. Standard Chartered offers OD products like the Payroll Overdraft Service and Smart Credit Overdraft, often tailored for salaried customers with salary accounts.
Who is eligible for the Personal Loan Overdraft?
Eligibility criteria include:
  • Age: 21 to 60 years (salaried) or 65 years (self-employed) at OD maturity.
  • Income: Minimum monthly income of ₹30,000 for salaried (may vary by city); stable annual income for self-employed (e.g., ₹3-5 lakh p.a.).
  • Employment: Salaried applicants need 6 months to 1 year with a reputed employer; self-employed need 2-3 years of business continuity.
  • Credit Score: CIBIL score of 650 or higher (700+ preferred).
  • Residency: Must be a resident Indian.
  • Banking Relationship: Priority for Standard Chartered salary account holders or existing customers.
What is the overdraft limit offered by Standard Chartered?
The OD limit ranges from ₹1 lakh to ₹50 lakh, typically set at up to 15x monthly income for salaried payroll customers. The exact limit depends on your credit score, income, debt-to-income ratio (DTI), and banking relationship with Standard Chartered.
What is the interest rate for the Personal Loan Overdraft?
The interest rate starts at 15.5% p.a. for payroll OD customers but varies based on your credit profile, income, and banking relationship. Interest is charged only on the utilized amount, not the entire OD limit, making it cost-effective for flexible use.
What documents are required to apply for the OD?
Required documents include:
  • Identity Proof: Aadhaar, PAN, passport, voter ID, or driving license.
  • Address Proof: Aadhaar, passport, utility bill (last 3 months), or rental agreement.
  • Income Proof:
    • Salaried: 1-month salary slip, 3-month bank statement (showing salary credits), Form 16.
    • Self-Employed: 2 years’ ITR, 6-month bank statement, profit & loss statement.
  • Application Form: Duly filled with a self-attested photograph.
  • Additional: Existing loan statements or business proof (if applicable). For payroll OD or pre-approved offers, documentation may be minimal, often just KYC and salary confirmation.
How can I apply for the Personal Loan Overdraft?
You can apply through:
  • Online: Visit Standard Chartered Personal Loan, click “Apply Now,” enter details, upload documents, and complete Video KYC.
  • Branch: Visit a Standard Chartered branch with documents for in-person assistance.
  • Phone Banking: Call the customer care number listed on the website to initiate the process. Post-submission, the bank verifies documents and disburses funds within 4-7 working days (faster for payroll customers).
What is Video KYC, and is it mandatory for OD applications?
Video KYC (VKYC) is a digital verification process where you present original KYC documents (e.g., Aadhaar, PAN) via a video call with a bank representative. It’s not mandatory but is highly recommended for online OD applications, as it eliminates the need for physical document submission and speeds up approval.
How long does it take to get the OD approved?
Approval typically takes 4-7 working days after document submission and verification. For payroll OD customers or those with pre-approved offers, approval can be faster (2-3 days), especially if minimal documentation is required.
Is collateral or a guarantor required for the OD?
No, the Personal Loan Overdraft is an unsecured facility, requiring no collateral or guarantor. Approval is based on your credit profile, income, and repayment capacity.
How is the OD repaid?
Repayment is flexible, as OD is a revolving credit line:
  • Interest: Charged monthly on the utilized amount, debited directly from your linked account (Standard Chartered or via NACH for other banks).
  • Principal: Repay any amount at your convenience, and the OD limit is replenished for reuse.
  • EMI Option: Some OD products allow structured EMIs for fixed repayments. There are no charges for unused OD limits, and prepayment is allowed with minimal charges (e.g., 5% after 12 EMIs).

List of Overdraft (OD) Facilities at Standard Chartered Bank

  • Standard Chartered Bank Payroll Overdraft (Salary Overdraft)
  • Standard Chartered Bank Personal Overdraft Against Fixed Deposits
  • Standard Chartered Bank Wealth Lending Overdraft Facility
  • Standard Chartered Bank Overdraft Against Property
  • Standard Chartered Bank Unsecured Personal Overdraft
  • Standard Chartered Bank Leverage Financing Overdraft
  • Standard Chartered Bank Business Overdraft
  • Standard Chartered Bank Overdraft Against Investments