Working Capital
Cash Credit (CC) Facility
The financial engine for your daily operations. A customized overdraft limit designed specifically to bridge the gap between your payables and receivables.
Fuel Your Growth
- ✓Flexible DrawdownsWithdraw funds as and when required to pay suppliers, salaries, or manage inventory spikes.
- ✓Cheque Book FacilityOperate your CC limit just like a Current Account with full access to cheque books and NEFT/RTGS transfers.
CC Account Charges (w.e.f 01.07.2025)
CC Loan Processing: Rs. 10 per 1000 + GST
Incidental Charges: Min Rs. 50 + GST / 6 months
Cash Remittance (CA): Free up to 15 Lakhs / mo
*Folio charges apply: Rs. 50 + GST per 30 transactions.
*Calculation shows equivalent term load. CC accounts are charged interest purely on the daily utilized amount.
Required Documents
Please keep the following KYC documents ready for a smooth account opening process.
Business Setup
- Udyam Registration / MSME Cert.
- Partnership Deed / Corporate Docs
- Last 3 Years Audited Financials
- Projected Balance Sheet (for new limits)
Operational Records
- Monthly Stock & Receivables Data
- List of Major Creditors/Debtors
- Primary collateral details
- Latest IT & GST Returns
Note: Limits are determined based on Drawing Power (DP) calculated from your monthly stock and book debts statements minus a standard margin.
Ready to apply for your Cash Credit Limit?
Visit your nearest DHUSBN branch today with the required documents for fast processing and quick disbursal.