A limit, not a lump sum
Overdraftdraw when you need, pay interest on what you use.
For businesses with seasonal or uneven cash flow. The lender sets a limit; you draw from it when needed and repay when money comes in. Interest is charged only on the amount you use, for the days you use it.
Shubhdhanam is a loan distribution firm (DSA).
Who it suits
Made for moments like these.
Seasonal business
Festive stock, wedding season or peak months.
Supplier payments
Pay suppliers on time while customers pay later.
A cash cushion
A ready limit for the unexpected, unused until you need it.
Bulk buying
Buy stock in bulk when the price is right.
What lenders look at
Four things decide your file.
We check all four before your file goes anywhere — so it reaches a lender whose policy fits.
- 01
Banking
Credits, balances and cheque bounces in your business account — the base of most limits.
- 02
Turnover & GST
What your GST returns and ITR show about the size of the business.
- 03
Business vintage
How long your business has been running.
- 04
Credit report & security
Repayment history, and the property offered if the limit is secured.
How we work
From first call to disbursal.
- 1
Tell us your need
Share the loan you need, your income type and your city. Ten minutes on a call or WhatsApp is enough to begin.
- 2
We match lenders
We read your profile against the credit policies of banks and NBFCs and shortlist only the ones likely to say yes.
- 3
A complete file
We collect documents once, check them, and present the file the way a credit manager wants to read it.
- 4
Sanction and disbursal
The lender sanctions, you sign, funds reach your account. You get updates at every step, and we stay after the loan too.
Documents
Your papers, in one list.
Documents lenders usually ask for. The final list depends on the lender's policy.
- PAN card
- Aadhaar card
- Recent passport-size photo
- Current address proof
- Business proof — GST certificate, Udyam or shop licence
- ITR with computation of income, balance sheet and P&L — last 2 years
- Business bank statements — last 6 to 12 months
- GST returns — last 6 to 12 months, if GST-registered
Only if you offer property or already have a loan
- Property papers, if property is offered as security
- Sanction letter and latest statement of each running loan
Shubh Tools · Shubh Loan Kundli
Not sure yet? Start with a free tool.
Six quick taps give you an eligibility estimate, your EMI load and what to fix first — before any lender sees your file.
Questions
Straight answers.
How is an overdraft different from a term loan?
A term loan gives you the full amount at once, repaid in fixed EMIs. An overdraft gives you a limit: you draw and repay as often as you need, and interest is charged only on the amount used, for the days used.
Is the limit renewed?
Overdraft limits are usually reviewed and renewed by the lender at regular intervals, based on your banking and business. The renewal terms are in the sanction letter.
How much can I get, and at what rate?
It depends on each lender's policy — your banking, turnover, business vintage, credit report and any security offered. On the first call we tell you which lenders your profile fits; the final amount and rate are stated in the lender's sanction letter.
Does talking to you affect my CIBIL score?
No. A conversation with us doesn't pull your credit report. A lender checks your report only when you formally apply, with your consent — which is why we shortlist the right lender first.
Will you ask me for money, an OTP or a password?
Never an advance fee, never an OTP, never a password. If anyone asks for these in Shubhdhanam's name, it isn't us — please call us on +91 91721 34844 / +91 22 4515 3011. Any lender charges are stated in the sanction letter.
Request a call back
Tell us a little. We call you back.
Fraud warning
Shubhdhanam never asks for an advance fee, OTP or password. Our team calls only from the numbers on this page. Never pay anyone in cash or into a personal account in our name.
Shubhdhanam is a loan distribution firm (DSA).
Ready when you are.
One call or one WhatsApp message. One person handles your file from the first call to disbursal.
Office landline: +91 22 4515 3011
Other loans
Loans are sanctioned and disbursed by banks and NBFCs at their sole discretion. Amount, rate and tenure depend on each lender's policy and are stated in the sanction letter.