Overdraft Limit
Withdraw beyond your balance, up to a sanctioned ceiling.
- FacilityAccount overdraft
- InterestCharged on usage only
- SecuritySecured or unsecured
About this product
Why clients choose Viva Capital for OD.
An Overdraft lets your current account go below zero up to a pre-approved ceiling — a flexible buffer for short-term cashflow gaps. You pay interest only on what you actually draw, and the limit stays available whenever you need it.
What we offer
Key features
- Draw beyond account balance up to the sanctioned limit
- Interest on the drawn amount only
- Secured (against property/FD) or unsecured options
- Always-on buffer for cashflow timing gaps
Who can apply
Basic eligibility
- Operating business or self-employed professional
- Healthy banking conduct
- Collateral or strong financials, depending on structure
Keep ready
Documents required
- Last 12 months bank statements
- ITR + financials of last 2 years
- Collateral documents (for secured OD)
- KYC of applicants
A working promise
“A senior advisor reads your file, picks the lender most likely to approve it, and stays with the case until disbursal — even when the first bank says no.”
Our Process
From first conversation —
to disbursal and beyond.
A guided four-step process built around clarity and speed. No opaque hand-offs, no junior routing — one senior advisor walks the case through.
- 01
Profile Review
Tell us your goal. A senior advisor reads your file end-to-end and identifies the right route.
- 02
Bank Matchmaking
We compare offers across 40+ lenders and pick the one most likely to approve your profile, at the best rate.
- 03
Documentation
We simplify the paperwork and structure it the way underwriters can underwrite — no guesswork.
- 04
Sanction & Support
Funds in your account — and continued assistance after disbursal. We stay with the case.
Trusted by Leading Banks & NBFCs
