Overdraft Loan

Manage your cash flow with flexibility and confidence through the Overdraft Loan facility offered by Jijamata Mahila Sahakari Bank Ltd. Pune.
This loan allows you to withdraw funds as needed—up to a pre-approved limit—helping you meet short-term financial requirements without hassle.

Key Features

♦  Pre-approved credit limit based on income or security

♦  Interest charged only on the amount utilized

♦  Flexible withdrawals and repayments

♦  Ideal for managing working capital and urgent needs

♦  Quick approval with simple documentation

♦  Available against deposits, property, or income eligibility

Purpose of the Loan

The Overdraft Loan can be used for:

1. Business working capital

2. Personal financial emergencies

3. Managing irregular cash flows

4. Meeting short-term expenses

5. Any legitimate financial requirement

Eligibility Criteria

• Must be a member/account holder of the bank
• Salaried individuals, business owners, professionals, and self-employed persons
• Sufficient income or acceptable collateral/security
• Good credit history and repayment capacity

Documents Required

1. Filled Overdraft Loan Application Form

2. KYC Documents (ID & Address Proof)

3. Income Proof (Salary slips, ITR, Bank Statements) or

4. Security Documents (Fixed Deposit, Property Papers, etc., if applicable)

5. Photographs

6. Any additional documents requested by the bank

Why Choose Jijamata Mahila Sahakari Bank Ltd. Pune?

• Highly flexible loan structure
• Interest savings through “use-only-what-you-need” model
• Fast and transparent processing
• Customer-friendly and supportive banking services
• Reliable financial partner for personal and business needs