Dropline Overdraft
Working Capital
A Dropline Overdraft (DLOD) is a structured credit facility where the approved loan limit gradually reduces over a fixed tenure. Unlike a regular overdraft, where the credit limit remains constant, a dropline overdraft comes with a pre-decided repayment schedule that reduces the borrowing limit month by month.
This facility is commonly offered against property, fixed deposits, or other collateral and is ideal for individuals and businesses looking for disciplined repayment along with flexible fund usage. Borrowers can withdraw funds as needed within the approved limit and pay interest only on the amount utilized.
Dropline overdraft is especially useful for business expansion, working capital management, home renovation, education funding, or large personal expenses. Since the limit decreases over time, it ensures systematic repayment and better financial planning.
With competitive interest rates, flexible withdrawals, and structured repayment, a Dropline Overdraft offers the perfect balance between flexibility and financial discipline.
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