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Overdraft Facility

T Bank is there for every individual who wish to set up business or expand business with our Overdraft facility which is quick and hassle free of documentations.

Individual/whole seller and retailers/civil contractors/small entrepreneurs/exporters that requires for day-to-day functioning of the business

Click here to refer interest rate chart

  • Maximum limit of 50% of the stock value.
  • Maximum limit of 75% of the collateral value.
  • Maximum limit of 50% of the value of work/supply order.

Maximum of one year subject to review/ renewal

  • Loan Application.
  • Citizenship identity copy of the applicant and borrower if applicable.
  • Recent passport size photograph of the borrower.
  • Ownership certificates of securities offered to the bank.
  • Property valuation/assessment/estimate certificates.
  • Copy of Work Order supported by relevant pages of the agreement.
  • Copy of the Quotation/Invoice.
  • Letter of Undertaking from awarding agencies for routing of RA Bill payment through bank.
  • Copy of valid trade license
  • Statement of stock & book debts debtors (age wise), sundry creditors as on a recent date.
  • Sales and Purchases report for the past 12 months.
  • Income and expenditure / Profit and Loss and Balance sheet for the last two years (preferably audited, if applicable).
  • Projected sales and purchases for the next 12 months.
  • Stamped and witnessed Letter of Consent for extension of charges (only fixed assets) duly signed by the property owner, if applicable.
  • Consent letter from the guarantor to be obtained in-case of request for enhancement of limit.
  • Ownership certificate(s) of the collateral security offered to bank.
  • Consent letter from the joint owner or co-owner if the collateral provided is in joint and co-ownership.
  • For family owned land, family (household) register issued by Department of Civil Registration and Census, MoHCA and NOC from family members (18 years and above) (if applicable).

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