Understanding Overdraft & Cash Credit (OD & CC) for Indian Businesses
Learn OD and CC facility fundamentals and how to assist business borrowers as a DSA.
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
