Unsecured DOD
Flexible capital, available when you need it.
- StructureDrop-line overdraft
- LimitUp to ₹2 Cr
- InterestCharged on usage only
About this product
Why clients choose Viva Capital for DOD.
Unsecured Drop-line Overdraft is a sanctioned limit that reduces on a pre-agreed schedule — but you pay interest only on the portion you actually draw. Ideal for businesses with cyclical or unpredictable working-capital needs.
What we offer
Key features
- Sanctioned limit with stepped reduction (drop-line)
- Interest on utilisation, not on full limit
- Re-drawable within the limit
- No collateral required
Who can apply
Basic eligibility
- Business operational for 3+ years
- Consistent banking and GST profile
- Healthy debt-service coverage
Keep ready
Documents required
- Last 12 months banking statements
- GST returns (last 4 quarters)
- ITR + financials of last 2 years
- KYC of proprietors / directors
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
