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Get a revolving credit limit — borrow what you need, when you need it, and pay interest only on the amount used.
A Personal Overdraft is a pre-approved revolving credit limit linked to your account. Unlike a regular loan, you don't borrow a lump sum — you draw funds as needed and repay them at your convenience.
The best part? You pay interest only on the amount you actually use, not the entire sanctioned limit. KreditSeva helps you get the best overdraft limit from 10+ top banks and NBFCs — completely free.
Fully unsecured overdraft — no property needed.
Interest charged only on the amount withdrawn.
Access funds instantly whenever you need them.
Competitive rates from 10+ top banks and NBFCs.
From application to disbursal — our experts handle everything so you get the best loan without the hassle.
Fill our quick online form with basic info — takes less than 2 minutes.
Our advisor calls you back and matches you to the lowest rate from 10+ lenders.
We assess your credit profile and compare 10+ lenders to match you with the lowest available rate.
Loan amount credited directly to your bank account within 10 minutes to 48 hours.
Basic requirements to qualify
Documents to process your application
Interest is charged only on the amount you draw, not the full limit. Estimate your monthly cost here.
* Indicative only. Actual interest may vary by lender. Only drawn amount attracts interest.
Compare starting rates, max limits, and processing fees to find the best overdraft option for your profile.
| NBFC | Starting ROI (p.a.) | Max Limit Offered | Processing Fee |
|---|---|---|---|
| Bajaj Finance | 11.00%–13.50%* | ₹50 Lakhs | 1%–4% |
| Tata Capital | 11.99%* | ₹35 Lakhs | Up to 4% |
| Aditya Birla Finance | 12.00%* | ₹50 Lakhs | Up to 3% |
| L&T Finance | 12.00%* | ₹50 Lakhs | Up to 3% |
| Piramal Finance | 12.50%* | ₹25 Lakhs | — |
Instant score check, zero impact on your credit — unlock pre-approved offers from 10+ lenders.
Check My Credit ScoreWe compare personal overdraft offers across top banks and NBFCs to get you the lowest interest rate — free.
Unlike a fixed personal loan, you pay interest only on the amount you withdraw — not the full approved limit.
Your personal RM helps you choose the right overdraft limit and guides you through the application process.
Withdraw, repay, and use again — your overdraft limit stays active giving you financial flexibility anytime.
Full transparency on processing fees and charges before you apply — no unpleasant surprises later.
Apply online, upload docs digitally, and get your personal overdraft limit approved quickly without branch visits.
Everything you need to know about Personal Overdraft. Still have questions?
Talk to Our ExpertA Personal Overdraft is a revolving credit facility where you get a pre-approved credit limit. You can withdraw funds as needed and repay at your convenience — paying interest only on the amount used, not the entire limit.
A personal loan gives you a fixed lump sum upfront with EMIs. An overdraft gives you a credit limit you can use flexibly — withdraw partially, repay, and withdraw again. Interest is charged only on what you use.
Personal overdraft limits go up to ₹25 Lakhs depending on your income, credit score, and lender's criteria. KreditSeva helps match you with the lender offering the highest limit for your profile.
A credit score of 700+ is generally preferred for personal overdraft. A higher score gives you access to better limits and lower interest rates.
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