Am I eligible for SmartDraft?
Yes, if your salary account with us has regular salary credits and your company is on our approved list for overdraft facility. Your minimum net monthly income must be Rs. 15,000 per month.
How many salary credits are required in my existing account to qualify for SmartDraft?
Minimum 3 salary credits are required.
What is the amount I can get as an overdraft?
Depending on your eligibility, the maximum amount you can avail as an overdraft is Rs. 1 Lakh. The minimum overdraft amount is Rs. 25,000.
How do I utilise this amount ?
This amount is made available in your Salary Account. It can be withdrawn
through the regular modes i.e. ATM, Cheques, online transfers.
When will my limit get renewed?
Based on the account performance and salary credits, the limit will be renewed
after 12 months.
Which locations is SmartDraft available in?
SmartDraft is available in the following locations only:
Mumbai, Delhi, Gurgaon, Noida, Bangalore, Chennai, Hyderabad, Secunderabad, Kolkata, Pune, Nasik, Jaipur, Baroda, Indore, Bharuch, Surat, Silvasa, Chandigarh, Ludhiana, Patiala, Coimbatore, Ahmedabad, Lucknow, Calicut, Trichur and Cochin.
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