SANGEETHA's HDFC Dukandar Overdraft
Empower Your Business with
Dukandar Overdraft Facility
Flexible financial support tailored for shopkeepers and small businesses to manage cash flow and seize opportunities.
About HDFC Dukandar Overdraft
The HDFC Dukandar Overdraft facility is a specialized financial product designed to meet the unique working capital needs of small and medium-sized enterprises (SMEs), particularly shopkeepers and traders. This overdraft provides a convenient and flexible line of credit, enabling businesses to access funds up to a sanctioned limit as needed.
Tailored for dukandars (shopkeepers), it offers quick access to funds for daily expenses, inventory purchases, or expansion. Unlike traditional loans, you only pay interest on the amount utilized, not the entire limit, making it a cost-effective solution for short-term financial needs.
Up to ₹10 Lakhs
Flexible credit limit tailored to your business needs
Competitive Rates
Attractive interest rates starting from 12% p.a.
Quick Approval
Fast processing with minimal documentation
Benefits of HDFC Dukandar Overdraft
Flexible Access
Draw funds up to your limit whenever needed. Ideal for operational costs, inventory purchases, or unexpected expenses.
Interest Savings
Pay interest only on the amount you use, not the entire limit. Significant savings compared to traditional loans.
Quick Access
Swift approval process ensures you get funds when you need them most, without unnecessary delays.
Cash Flow Management
Maintain smooth operations, pay suppliers on time, and manage payroll efficiently with improved cash flow.
Shopkeeper Focused
Specifically designed for the unique needs of small shopkeepers and traders with intermittent cash flows.
Minimal Collateral
For eligible customers, available without traditional collateral, making it accessible to more businesses.
What Our Clients Say
Prakash Gowda
Textile Shop, Mysuru
"The HDFC Dukandar Overdraft was a game-changer for my textile shop. It helped me manage inventory during festive season without cash flow issues."
Radha Sharma
Electronics Dealer, Hubballi
"As a small electronics dealer, I often needed capital for new stock. This overdraft provided the flexibility I needed."
Suresh Kumar
Provision Store, Mangaluru
"The Dukandar Overdraft has been invaluable for bulk purchases, ensuring my shelves are always stocked for customers."
How It Works
Apply
Submit basic documents and application
Approval
Quick verification and sanction
Access
Withdraw funds as needed
Repay
Pay interest only on amount used
Frequently Asked Questions
Ready to Empower Your Business?
Get the financial flexibility your business deserves with HDFC Dukandar Overdraft
Contact Us
Send us a message
Our Details
Address
#661/1, RSRS Road, Near Taluk Office, Bangarpet, Karnataka - 563114
Phone
+91 8880888012Business Hours
Monday - Saturday: 9:30 AM - 6:30 PM
Sunday: Closed
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