Instant access to funds.Pay only for what you use.
The Uncomfortable Truth
Why many salaried individuals overpay for short-term needs ?
- Taking full personal loans for small needs
- Paying interest on unused amounts
- Fixed EMIs reducing flexibility
- Re-applying for loans repeatedly
- Poor utilisation of salary-based credit
PaisaNurture Philosophy
Flexible Access.
Efficient Borrowing.
- We don’t recommend loans beyond need
- We don’t push fixed EMIs unnecessarily
- We don’t ignore cost efficiency
- We align credit with real usage
OUR SALARIED OD FRAMEWORK
Credit history
Score and repayment track
Education goal
Minimum higher education to be secured
Existing liabilities
Current EMIs and obligations
Usage requirement
Emergency vs lifestyle needs
Banking relationship
Salary account and lender tie-ups
Limit suitability
Right-sized overdraft
Cost efficiency
Interest vs personal loan comparison
Flexibility needs
Repayment comfort
KEY FEATURES & BENEFITS
▪ Credit line linked to salary account
▪ Interest charged only on utilised amount
▪ Flexible repayment (no strict EMIs)
▪ Loan limit up to 2–3× monthly salary*
▪ Instant withdrawal without re-application
▪ Lower cost compared to personal loans
▪ No prepayment charges on unused limit
Key planning questions
Do you need full amount upfront?
If not, overdraft is better.
Is your requirement temporary?
OD works best for short-term needs.
Do you want flexibility in repayment?
Avoid rigid EMIs.
Are you paying interest unnecessarily?
Unused loan = wasted cost.
HOW SALARIED OD SHOULD BE STRUCTURED
Assessment
Evaluate salary and eligibility
Limit setting
Determine overdraft amount
Lender selection
Compare banks and NBFCs
Activation
Quick approval and access
Who This Is For ?
- Salaried professionals with stable income
- Individuals needing flexible short-term funds
- Clients avoiding rigid EMIs
- People managing emergencies or lifestyle needs
A STRUCTURED 5-STEP JOURNEY
Discussion
Understanding your requirement
Recommendation
Selecting right lender and limit
Guidance
Overdraft facility enabled
Assessment
Evaluating eligibility
Execution
Documentation and approval
ELIGIBILITY & DOCUMENTS
Eligibility:
▪ Salaried professionals with regular income
▪ Age: 21–55 years (varies by lender)
▪ Minimum salary ~₹25,000+ (varies)
▪ Salary account preferred with partner banks
Documents Required:
▪ KYC documents (Aadhaar, PAN, Passport, Voter ID)
▪ Salary slips (last 3–6 months)
▪ Bank statements
▪ Employment proof / offer letter
▪ Passport-size photographs
INTEREST RATES & CHARGES
What to expect
▪ Interest Rate: ~10.5% p.a. onwards*
▪ Processing Fee: Nominal
▪ Tenure: 1–5 years (renewable)
▪ Other Charges: Transparent, no hidden costs
OUR IMPACT
Why families trust Paisa Nurture
1000+ families
CFP-led advice
Unbiased advice
Long-term advisory
Zero mis-selling
Stop overpaying for small needs. Use flexible credit.
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- We offer our services without charging separate advisory fees.
- Mutual Fund investments are subject to market risks.
- Please read all scheme-related documents carefully before investing. Past performance is not an indicator of future returns.