Shree Ram Services & Consultancy

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CC & OD Working Capital Solutions

Keep your Cash Flow Stable with smart limits

Cash Credit (CC) and Overdraft (OD) facilities act like a smart buffer for your business — helping you handle payments, stock, and emergencies without constantly applying for new loans. We structure these limits as per your turnover, banking and profile.

Flexible working capital support for day-to-day business pressure

These facilities are designed to keep business operations moving smoothly when supplier payments, inventory cycles, receivables and short-term needs create pressure on cash flow.

Working Capital Limit

Cash Credit (CC) Facility

Revolving limit linked to stock & book debts

A Cash Credit (CC) facility gives your business a revolving working capital limit that you can use, repay and reuse within the sanctioned amount. You pay interest only on the amount actually utilised — not on the full limit.

  • Purchase raw materials, goods and inventory
  • Pay vendors & suppliers on time
  • Manage receivables & payables smoothly
  • Handle seasonal or monthly cash flow gaps
Ideal for: traders, wholesalers, manufacturers, distributors and businesses with regular stock & credit sales.
Eligibility factors: stock levels, book debts, turnover, banking history and business vintage.
Flexible Bank Limit

Overdraft (OD) Facility

Extra cushion over your current account balance

An Overdraft (OD) facility allows you to withdraw more than your available bank balance up to a pre-approved limit. Perfect for urgent payments, short-term gaps and sudden opportunities — without fixed EMIs.

  • Pay urgent vendor or tax dues
  • Manage short-term working capital gaps
  • Handle salary and fixed expense pressure
  • Respond quickly to time-sensitive deals
Ideal for: established businesses with strong banking track record, good financials and stable income profile.
Eligibility factors: income, ITRs, banking behaviour, collateral (for secured OD) and overall business profile.
CC vs OD — Quick View

Understand the difference faster

Both are limits, not fixed EMIs. You pay interest only on the amount used.

Quick View Both are limits, not fixed EMIs. You pay interest only on the amount used.
Cash Credit (CC) Best for daily working capital & stock rotation. Linked to stock and book debts. Highly suitable for trading & manufacturing units.
Overdraft (OD) Best for emergencies & short-term cash gaps. Often backed by property / strong financials. Works like a safety net on your current account.

Not sure whether CC or OD suits your business?

Share your turnover, nature of business and basic banking details on WhatsApp or call us. We’ll guide you on which facility fits better, approximate limit you can expect and how to prepare your profile for smooth approval.

Talk on WhatsApp Call: +91 84608 10128