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Online Credits

Overdraft

Ensuring that your financial cover never gets short, we bring to you our Overdraft loan service. Through the overdraft service, you can keep a buffer of funds, while opting for a loan of lesser amount. This will safeguard you from any unanticipated credit requirement since you can extend your loan amount. But this isn’t as simple as it sounds! People get trapped in the loop of guidelines and rules, implemented by banks under this type of loan. Hence, we at onlinecredits.co.in aim to shield you by crediting finances and keeping you free from paperwork.

Documents For Overdraft

Salaried Client

  1. Filled Application form with Photo and signature (Applicant & Co-App.)
  2. Salary Slip of latest 3 Month (Applicant.),
  3. Three years Form-16. (Applicant.),
  4. Last 12 month bank statement of salary account (Applicant.),
  5. Date of Birth and Id proof- PAN CARD/ PASSPORT/D.L any one (Applicant and Co-applicant),
  1. Residence Proof- Telephone/ Electric bill or any one               .
  2. Proof of Other Loans (Sanction Letter) SOA & Principal outstanding letter of existing loan (In case of Balance Transfer)
  3. Initial Processing Fee Cheque
  4. Photocopy of property paper with complete chain link & Sanctioned Map

Self Employed Client (Prop.)

  1.  Photo (applicant & co-applicant)
  2.  Pan cards (app. & co-app.)
  3.  Residence proof (Driving license, Voter Id, Passport)
  4.  Office proof (Any Utility Bill)
  5.  3 years ITR with Computation of income, P&L a/c & b/s with all schedule, audit report & form 3cb 3cd with all annexure.
  6.  One Year bank statements of both saving and all current account.
  7.  Sanction letter/Re payment schedule/SOA of all running loan.
  8.  GST Certificate
  9.  Initial Processing Fee Cheque
  10. GST Return 3B (Last Financial Year)
  11. Form 26 AS of last three year
  12. Company Profile on letter head
  13. Photocopy of property paper with complete chain link & Sanctioned Map

PRIVATE LIMITED CO.

For the company:-

  1. Last three year Income tax returns, computation of income, P & L Account, Balance Sheet, All Annexure and Audit Report required for the assessments.
  2. GST Returns for Last 4 quarters & GST Registration.
  3. Advance Tax challans.
  4. Complete MOA
  5. List of Directors & Share Holding pattern on letter Head.
  6. Copy of PAN Card.
  7. Business profile on letter head.
  8. Last One year bank statement.
  9. Office addresses proof – latest electricity bill/ phone bill.
  10. Detail of any existing loan – Car Loan, Home Loan, Personal Loan 12 month Past Repayment Track/Amortization Schedule provided by the bank.

For all the Director:-

  1. Last three year Income tax return, Computation of income and Form No. 16 for the Assessment.
  2. One year Updated bank statement for the Directors.
  3. Copy of PAN Card and Passport for the Directors.
  4. One photo for the Directors.
  5. Residence proof – latest electricity bill/ phone bill for the Directors.
  6. Detail of any existing loan – Car Loan, Home Loan, Personal Loan 12 month Past Repayment Track/ Amortization Schedule provided by the bank for the Directors
  7. Copy of property chain with sanctioned map

Note:

All owners to be mandatory co-applicants
All documents should be self attested Xerox.

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