CC/OD Loan Eligibility

Before applying for a Cash Credit (CC) or Overdraft (OD) facility, it’s important to understand the basic eligibility requirements. At Rohini Financial Services, we make the process simple, transparent, and business-friendly — ensuring you get access to funds quickly and confidently.

Basic Eligibility Criteria

✅ Business Type

• Proprietorship, Partnership, LLP, or Private Limited Company
• Traders, manufacturers, service providers, and professionals (CA, Doctor, Consultant, etc.)

✅ Business Vintage

• Minimum 1 to 3 years of continuous business operations

✅ Annual Turnover

• Sufficient turnover to justify working capital needs (as per bank or NBFC norms)

✅ Credit Score

• Minimum CIBIL score of 650+ for the business owner or firm

✅ Financial Health

• Stable income and healthy cash flow to support repayment capacity

✅ Collateral / Security

• Movable or immovable assets (like property, stock, receivables, etc.) may be required as security depending on loan amount

✅ Nationality

• Indian residents and NRIs engaged in business operations in India are eligible

Documents Required

📄 For All Applicants

• KYC documents (PAN, Aadhaar, Address Proof)
• Business registration documents (GST, Udyam, Partnership Deed, ROC Certificate, etc.)
• Last 12 months’ bank statements
• Latest 2 years’ ITR and financial statements (Balance Sheet, P&L)
• Proof of collateral (if applicable)

Tips to Improve Eligibility

💼 Maintain a strong credit score
📊 Keep business financials updated and audited
💰 Reduce existing liabilities before applying
🏦 Offer valid collateral for better loan terms
📈 Showcase consistent business growth and turnover

Ready to Apply?

Check your CC/OD Loan eligibility today with Rohini Financial Services.
Our experts will analyze your profile and suggest the best credit solution tailored to your business needs.

📞 Call Now or Apply Online for a free eligibility assessment and expert guidance.