Understanding Overdraft & Cash Credit (OD & CC) for Indian Businesses

This module explains two important business credit products — Overdraft (OD) and Cash Credit (CC) — which help working capital needs of businesses. Understanding these products allows DSAs to recommend the right solutions to commercial clients.

In this presentation, you will learn:

• What Overdraft (OD) and Cash Credit (CC) are

• Differences between OD and CC products

• How lenders determine limits and pricing

• Eligibility and documentation needs

• How interest is charged and repayment norms

• Risks and monitoring requirements

• How to explain OD/CC to business clients

• Best practices for case submission

This session makes complex business credit products easy to understand so that DSAs can confidently close working capital deals.

By the end, you will know when to recommend OD vs CC and how to guide clients through the application process