CC/OD Loan – Interest Rates & Charges
At Rohini Financial Services, we offer Cash Credit (CC) and Overdraft (OD) facilities with flexible limits, competitive interest rates, and transparent charges.
Our goal is to make business financing simple, affordable, and tailored to your specific working capital needs.
Current Interest Rates
💰 Interest Rate Range: Starting from 10.50% p.a. (may vary based on applicant profile and business type)
📅 Tenure / Renewal: 12-month facility with annual review and renewal option
💼 Credit Limit: Up to 80% of stock, receivables, or collateral value
Note: The final interest rate depends on credit score, business turnover, collateral, and financial history.
Applicable Charges
| Type of Charge | Details |
|---|---|
| Processing Fee | 0.5% – 1% of the sanctioned limit (non-refundable) |
| Renewal Fee | Applicable annually as per policy |
| Prepayment / Foreclosure | Nil (for floating rate accounts) |
| Late Payment Fee | 2% per month on overdue amount |
| Cheque Bounce Charges | ₹500 per instance |
| Document / Statement Charges | ₹200 – ₹500 per request |
| Legal / Valuation Fee | Based on collateral and location |
| Stamp Duty / Agreement Fee | As per state laws and regulations |
Why Choose Rohini Financial Services
⚡ Competitive Interest Rates – Designed to suit every business size
💼 Flexible Credit Limit – Access funds as per your business growth
💬 Transparent Charges – No hidden costs or surprise deductions
👨💼 Expert Support – Guidance from experienced financial advisors
Smart Financing for Business Growth
Our CC/OD Loan helps you manage working capital smoothly without disrupting operations.
Use our CC/OD Loan Calculator to estimate your interest and cost before applying.
📞 Call Rohini Financial Services today or Apply Online for a personalized quote and expert consultation.