• Home Loan
• OD Loan
• DOD Loan
• Loan Against Property
• Home Loan Top Up
• Loan Transfer

A DOD Loan, also known as a Dropline Overdraft Loan, is a flexible financing solution designed for individuals and businesses that need working capital with disciplined repayment. Unlike a regular overdraft, the sanctioned limit in a DOD loan reduces periodically as per a predefined schedule, encouraging systematic debt reduction while still offering liquidity.

How a DOD Loan Works

In a DOD loan, the borrower is given an overdraft limit against collateral such as property. This limit gradually drops over time, ensuring that the outstanding amount decreases in a planned manner. Interest is charged only on the amount utilized, making it a cost-effective option compared to traditional term loans.

Benefits of DOD Loan

A DOD loan offers the advantage of overdraft flexibility combined with structured repayment. It helps borrowers manage cash flow efficiently while avoiding long-term debt accumulation. Since interest is calculated on usage, it reduces unnecessary interest burden and improves financial discipline.

Who Should Opt for a DOD Loan

DOD loans are ideal for self-employed professionals, business owners, and salaried individuals who need regular access to funds for business expansion, working capital, or personal financial needs. It is especially beneficial for those seeking flexibility with controlled repayment.

DOD Loan Services at Sumira Infotech

At Sumira Infotech, we help clients understand, apply for, and secure the right DOD Loan solution based on their financial profile. From eligibility assessment to documentation and approval support, our team ensures a smooth and transparent loan process with trusted financial institutions.