Flexible Working Capital Solutions
1. Dropline Overdraft (OD) Facility
Description:
A structured overdraft facility where a sanctioned credit limit gradually reduces (“droplines”) over time. Borrowers
pay interest only on the utilized amount, not the entire limit.
- Limit Size: ₹50 lakhs to ₹1 crore
- Tenure: 12 to 60 months
- Rate of Interest (ROI): 11% to 15% per annum
- Security: Typically secured by residential/commercial property
- Repayment: Interest payable monthly; principal repaid via pre-agreed dropline schedule
- LTV: Up to 70% of property value
Ideal For:
Retailers & wholesalers
Manufacturing units
Service businesses with monthly working capital cycles
Why This Product?
It combines the flexibility of an overdraft with the discipline of a reducing balance. It’s particularly useful for
businesses that generate regular income but require short-term liquidity during off-peak or vendor-heavy periods.
2. Virtual OD Facility (Tech-Enabled Line of Credit)
Description:
A fully digital working capital credit line that behaves like an overdraft but operates without a current account—
custom-built for small businesses and self-employed individuals.
- Credit Line Size: ₹1 lakh to ₹25 lakhs
- Tenure: Revolving—renewed annually or for 3–5 years
- Rate of Interest (ROI): 12% to 18% per annum, charged only on amount drawn
- Security: Unsecured or partially backed by cash flows/receivables
- Repayment: Flexible repayment, based on usage and EMI commitments
- Platform: LOS + LMS powered with real-time monitoring and alerts
Ideal For:
Freelancers, consultants, GST-registered proprietors
Online sellers, agency owners, small B2B traders
Clients seeking speed, convenience, and app-based usage
Why This Product?
Traditional banks hesitate to underwrite small, unsecured working capital lines. But our tech-enabled assessment
engine and CRM allow us to extend credit with visibility and control, especially in the post-GST digital economy.
How Devvrat Capital Adds Value
Credit scoring based on bank statement analysis & real-time cash flow tracking
Automated utilization alerts, EMI calculators, and NACH integrations
Structured usage reports for internal credit monitoring
Optional top-ups and dynamic limit adjustments based on repayment behavior