Tata Capital Limited has introduced an exclusive pricing scheme for Overdraft (OD) Limits designed specifically for salaried individuals, offering enhanced financial flexibility and multiple balance transfer (BT) options. This initiative is now active in Rajasthan, under the leadership of Antriksh Yogi (RSM – Rajasthan), and is already receiving strong traction across the region.
What’s New in This Scheme?
The new OD limit scheme is tailored to meet the dynamic credit needs of salaried professionals by allowing them to consolidate various debts into one overdraft facility. With generous eligibility criteria and a versatile set of balance transfer options, it stands out as a customer-centric product offering.
✅ Balance Transfer Options Available
This scheme supports up to 6 types of Balance Transfers, including:
- OD to OD Balance Transfer
- OD to Personal Loan (PL) Balance Transfer
- OD to Credit Card (CC) Balance Transfer (up to 5 credit cards allowed)
- OD to Jumbo Loan Balance Transfer
Whether a customer is looking to simplify credit management or reduce the cost of borrowing, this product provides the ideal solution.
💼 Key Highlights of the Program
- Maximum Multiplier: Up to 27x of monthly income
- Maximum FOIR (Fixed Obligation to Income Ratio): Up to 75%
- Total BTs Allowed per Case: Up to 6
This structure is especially beneficial for high-income salaried profiles with multiple existing credit lines looking to consolidate and streamline repayments.
Now Sourcing Cases Across Rajasthan
We’re actively looking for eligible customer profiles in Rajasthan who can benefit from this program. If you’re a financial consultant, DSA, or sales representative, this is a great opportunity to help your clients manage their debt more efficiently under a single credit facility.
Stay tuned for more updates from Tata Capital as we continue to bring innovative and customer-focused lending solutions to market.
