Personal Overdraft Loan
Get a Personal Overdraft Facility of up to ₹60 Lakhs*
Access funds whenever you need them with a flexible Personal Overdraft facility.
- Overdraft Limit: Up to ₹60 Lakhs*
- Interest Rates: Starting from 11.99% p.a.*
- Pay Interest Only on the Amount utilized
- Quick Digital Application Process
- Flexible Access to Funds
- Expert Assistance Throughout the Process
Response
Apply with LoanStopIndia.com Today
Apply through LoanStopIndia.com to compare Personal Overdraft options from trusted RBI-regulated banks and NBFCs.
A Personal Overdraft Loan is a flexible credit facility that allows you to access funds up to a pre-approved limit whenever you need them. Unlike a traditional personal loan, you can withdraw money multiple times within your approved limit and pay interest only on the amount you use.
At LoanStopIndia.com, we help you compare Personal Overdraft options from trusted RBI-regulated banks and NBFCs, offering a convenient solution for managing planned and unexpected financial needs.
*Disclaimer: Overdraft approval, credit limit, interest rates, eligibility, and repayment terms are determined solely by the respective RBI-regulated bank or NBFC.
Features & Benefits of Personal Overdraft Loan
Pay Interest Only on the Amount Used
With a Personal Overdraft, interest is charged only on the amount you utilize, not on the entire sanctioned limit.
Flexible Access to Funds
Withdraw funds multiple times within your approved overdraft limit whenever required, subject to lender terms.
Simple Documentation
Benefit from a streamlined application process with minimal documentation and expert assistance.
Convenient Online Transactions
Access and transfer funds easily through your linked bank account for personal or emergency financial needs.
Manage Expenses with Ease
Use your overdraft facility for medical emergencies, education, travel, home expenses, utility bills, or other eligible personal requirements.
Trusted Lending Partners
Compare Personal Overdraft options from trusted RBI-regulated banks and NBFCs through LoanStopIndia.com.
*Disclaimer: Overdraft approval, sanctioned limit, interest rates, eligibility, and repayment terms are determined solely by the respective RBI-regulated bank or NBFC and are subject to their internal policies.
Eligibility Criteria for Personal Overdraft Loan
To apply for a Personal Loan Consolidation through LoanStopIndia.com, applicants should generally meet the following eligibility requirements:
Salaried Individual
Between 21 and 58 years
700 or above (preferred)
₹25,000 or above (Metro Cities)
₹20,000 or above (Non-Metro Cities)
Minimum 1 year of total work experience
Important: Eligibility, loan amount, interest rates, and approval are subject to the credit assessment and internal policies of the respective RBI-regulated bank or NBFC. Meeting the above criteria does not guarantee loan approval.
Personal Overdraft Loan – Interest Rates & Charges
| Interest Rate | 11.99%* p.a. onwards |
| Tenure | 12 – 96 months |
| Loan Amount | up to ₹50 Lakh |
| Loan Processing Fees | As per the lender’s policy |
| Hidden Charges | Na |
| Stamp Duty | At actuals (as per state) |