A class members of the Bank who are engaged in profitable business are eligible for availing overdraft.

Period of Loan

Business Cash credit is operative for a period of one year which can be renewed or enhanced provided operation on the limit are satisfactory


An amount equal to the 50% of the market value of the collateral security and 50% of the stock will be fixed as the maximum limit for the BCC. Board has the discretion to enhance the limit of cash credit considering the performance of the operation.


Advance is made against the mortgage of landed property, plant and machinery and other fixed assets or the hypothecation of goods in trade, raw material in production and finished goods. Deposit of title deed can also be applied if the original prior documents are submitted along with the title to be mortgaged.