Zero Upfront Fee Policy.
We facilitate loans through legitimate channels. We never ask for processing fees, insurance charges, or verification fees before sanction.
Protect yourself from imposters posing as agents. Verify all requests with our official desk.
Apply Fraud RecoverySoft inquiry only. No impact on score.
Business needs are dynamic. One month you might need extra funds for stock, the next month you might be cash-rich. A term loan doesn't fit this cycle. What you need is an Overdraft (OD) or Cash Credit (CC) facility.
Vardhman Finance provides working capital limits secured against property or stocks. It works like a credit card for your business—withdraw money into your current account when you need it, deposit it back when your customers pay. You save huge interest costs by paying only for the days you use the funds.
The most efficient form of borrowing.
Unlike a term loan where interest starts on the full amount, here you pay interest only on the daily utilized balance.
Use it for any business purpose—salary payments, vendor payments, or tax payments. No restrictions.
The limit is renewed annually. You don't need to apply for a new loan every year.
Get a cheque book and net banking access linked directly to your OD account for ease of operation.
Minimum 2-3 years of active business operations.
Minimum annual turnover of ₹50 Lakhs.
Residential, Commercial, or Industrial property (for Secured OD).
For Cash Credit, regular stock audit and reporting is required.
Competitive rates for smart borrowing.
Quick limit setup.
Submit details online.
We calculate Drawing Power (DP) based on collateral/turnover.
Offer letter released.
Account opened and limit activated.
We offer higher LTVs on property than most PSUs, giving you more limit for the same asset. Plus, our digital interface makes managing your OD seamless.
Flexibility to interchange limits between OD, Letter of Credit, and Bank Guarantee.
Temporary limit enhancement during festival seasons for retailers.
