Insta Overdraft


InstaOD is an Online lending platform to cater to your working capital requirements and provide instant disbursement within a few clicks.


How is InstaOD beneficial to you?

  • Online Loan processing.
  • Instant Disbursement.
  • Nil Collateral requirement.
  • Minimal documentation.
  • Overdraft Upto Rs. 15 Lakhs.
  • No prepayment/foreclosure charges.

How to avail the overdraft?


You can avail InstaOD through multiple channels like Corporate Internet Banking, I-Biz App or ICICI Bank Website.


To avail Overdraft facility:

  • Login through Corporate Internet Banking /I-Biz App - Eligible customer will have a pre-approved Offer displayed in the offers tab. Click on 'Avail Now' to get your pre-approved InstaOD.
  • Login through ICICI Bank Website - Login to ICICI Bank website → Business → Business Loans → InstaOD. Authenticate on the landing page using Corporate Internet Banking/Debit card Credentials.
  • After login follow the below simple steps:
    • Submit the pre-filled application form.
    • Verify the Overdraft Limit details, Rate of Interest and Processing fee.
    • Confirm the acceptance.
    • Overdraft limit is set up instantly.

For more details, please call on 022-42097572 or get in touch with your relationship manager.


To view FAQ’s Click here.


To check your eligibility and apply online Click here.

Current Account Unsecured Overdraft


New customers and existing customers ineligible to avail InstaOD facility can avail unsecured current account overdraft by visiting nearest ICICI Bank Branch.



  • Constitutions –Individual, Proprietorship Partnership, Limited Liability Partnership, Private Ltd. Co. and Public Ltd. Co.
  • Business vintage – Minimum 2 years
  • Current account vintage – Minimum 12 months with any bank


  • KYC documents
  • Constitution documents as applicable
  • Current account statement of last 12 months

Terms & Conditions apply. The grant of overdraft facility is at the sole discretion of the ICICI Bank Ltd. (“Bank”) and is subject to submission of requisite documents and meeting Bank’s eligibility and credit criteria. The Bank reserves the right, at any time, to modify / alter any of the terms and conditions of the facility.