Why LOGINTOLOANS

Overdraft Facility Solutions
Built for Your Flexibility

Flexible Access to Funds

Withdraw anytime within approved limit as per your needs.

Pay Interest Only on Usage

Interest charged only on amount you actually use.

Quick Approval Process

Faster approvals with minimal documentation.

Ideal for Short-Term Needs

Perfect for cash flow gaps and urgent expenses.

Reuse Facility

Repay and reuse multiple times during tenure.

Transparent Service

Complete clarity in charges and repayment terms.

Overdraft Options

Types of Overdraft Facilities
We Offer

Personal Overdraft

For individuals to manage personal expenses and emergencies.

Business Overdraft

Working capital for business operational cash flow.

Salary Account Overdraft

Special OD for salaried employees linked to salary accounts.

Secured Overdraft

Against FD, property, or other eligible assets.

Benefits

Why Choose an Overdraft Facility?

Manage Cash Flow

Without disturbing savings.

Working Capital Support

For business operations.

Emergency Backup

For medical & urgent needs.

Financial Freedom

Use funds as needed.

Avoid Payment Delays

Pay EMIs & bills on time.

How It Works

Get Overdraft Facility in
4 Simple Steps

1

Apply Online

Submit your application with basic details.

2

Eligibility Assessment

Evaluation of income & banking profile.

3

Credit Limit Approval

OD limit based on financial profile.

4

Access Funds Anytime

Withdraw within approved limit.

Requirements

Eligibility & Documents
Required for Overdraft Facility

Eligibility Criteria

  • Age: 21 – 65 years
  • Stable source of income
  • Good banking transaction history
  • Satisfactory credit profile
  • Valid identity & address proof

Required Documents

  • Identity Proof (Aadhaar/PAN/Passport)
  • Address Proof (Utility Bills/Aadhaar)
  • Income Proof (Salary Slips/IT Returns)
  • Bank Statements (6-12 months)
Documents Checklist
Identity Proof
  • Aadhaar Card
  • PAN Card
  • Passport / Voter ID
Address Proof
  • Utility Bills
  • Rental Agreement
  • Aadhaar Card
Income & Business Proof
  • Salary Slips / IT Returns
  • Bank Statements
  • GST / Business License (if applicable)
FAQs

Frequently Asked
Questions

What is an Overdraft Facility?

It allows you to withdraw funds beyond your account balance up to a pre-approved limit.

How is interest calculated?

Interest is charged only on the amount you actually use, not on the full limit.

Can I reuse the overdraft after repayment?

Yes, you can repay and reuse multiple times during the approved tenure.

What is the repayment tenure?

Typically 12 months, renewable based on your repayment behavior.

Can businesses apply for overdraft?

Yes, business overdraft facilities are available for working capital needs.

How fast is approval?

Many applications get approved within 24-48 hours with proper documentation.

Why Customers Trust Us

Fast, Transparent & Customer-Friendly Service

LOGINTOLOANS focuses on delivering fast, transparent, and customer-friendly financial services. Our experienced financial team ensures smooth processing, flexible solutions, and dedicated support throughout your overdraft journey.

Apply for Overdraft
Stay Financially Prepared

Get Flexible Funds
Whenever You Need

Quick access to funds, simplified approvals, and reliable financial support whenever you need it most.

Apply for Overdraft Facility Contact Our Team