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OVERDRAFT FACILITY EXPLAINED IN ENGLISH

 💼 What is an Overdraft Facility?









An Overdraft Facility is a short-term credit option linked directly to your bank account. It allows you to withdraw more money than your available account balance, up to a pre-approved limit, without the need to reapply each time.


It’s a smart financial tool designed to manage sudden cash requirements — ideal for both salaried individuals and business professionals.


🔑 Key Benefits of an Overdraft:


✅ Loan Limit: ₹1 Lakh to ₹50 Lakhs+ (based on your income or business profile)

✅ Interest Only on Used Amount: You pay interest only on the amount utilized, not the full limit

✅ No Fixed EMI: There is no mandatory EMI — repayment is flexible

✅ Instant Access to Funds: Withdraw money anytime, even if your account balance is low

✅ No Re-application Required: Once approved, use as per your need, multiple times

✅ Perfect for: Managing business expenses, salary delays, or emergency personal needs


🧠 Example:

Suppose you have only ₹5,000 in your account, but you urgently need ₹40,000. If you have an overdraft limit of ₹1 Lakh, you can instantly withdraw ₹40,000.

You will pay interest only on ₹40,000, and once you repay, the limit is restored.


📞 Ready to Apply?

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📧 Email: pankajrajpoot7037@gmail.com

🌍 Pan India Service | Trusted by 1000+ Clients

💡 A smart solution to manage cash flow without the burden of monthly EMIs!








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