One line: put in today’s CC/OD numbers and a sales growth story → see old limit vs new ask (from ₹1,499 full pack). Working-capital rules: RBI.
Price: ₹1,499 per scenario. Free preview shows the suggested band and one method. Full pack unlocks all methods, sensitivity and print PDF after pay.
Same family as CMA Data Maker, Drawing Power Studio, Stock Statement and WC Renewal Navigator.
Preview free · full pack ₹1,499
Free: suggested band + one method on this page + sample enhancement PDF (2-page demo). Paid: full methods, sensitivity, DP bridge, banker checklist PDF — ₹1,499 per scenario.
Download sample PDF Sign in with Google to buy · ₹1,499 Need CMA pack? Need stock statement?
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Results
Preview
Formula jr-cc-od-enhancement-1.0.0 · turnover / Tandon-style band · bank decides
- Status
- Enter numbers, then Update preview.
Method compare
| Method | Suggested limit |
|---|
Drawing power bridge
| Step | Amount |
|---|
Sensitivity
Banker checklist
Flags & notes
When does a CC or OD enhancement need a fresh CMA pack?
When you ask the bank to raise a cash-credit or overdraft limit, most Chennai banks want updated CMA Forms, stock trend and banking. This tool structures the enhancement ask; pair it with the CMA data maker. Cost disclosure sits in the lender Key Facts Statement (RBI KFS, checked 28 Oct 2026). The bank decides.
Assumptions follow your inputs and sanction style — not a sanction · checked 28 Oct 2026
What this tool is for
- Turn a growth story into one clean enhancement scenario before the bank meeting.
- Compare Nayak and Tandon-style limits side by side and see which binds.
- Bridge stock and debtors to drawing power next to the new ask.
The 20%-of-sales (Nayak) method is the RBI rule only for working-capital limits up to ₹5 crore. Source: RBI.
Written and reviewed by CA Jitendraa Rathi, Chartered Accountant (CA membership number 217936) · Ex-banker, 20 years of experience in credit and lending · LinkedInLast reviewed · Expert review: CA Jitendraa Rathi (ICAI 217936)
Frequently asked questions
What is CC OD limit enhancement?
It is a request to raise your cash credit or overdraft limit after sales or stock grow. Banks want a fresh limit story plus CMA and stock papers. This pack builds the old-limit vs new-ask numbers for ₹1,499.
What is a CC / OD limit enhancement calculator?
It compares your current cash credit or overdraft limit with a new limit story. You enter today’s sales, stock and debtors, then a growth what-if. It shows a suggested band using turnover / Tandon-style maths banks often still use.
How is this different from the free working capital limit calculator?
The free tool is a quick size sketch. This paid pack is an enhancement scenario: old limit vs new ask, method compare, drawing-power bridge, sensitivity and a banker checklist you can print.
What do I get for ₹1,499?
One scenario pack: suggested band, all methods with binding note, full DP bridge, sales sensitivity, banker checklist, and a print / save PDF licensed to the Google email you signed in with.
Does the bank still decide?
Yes. This is a preparation pack from your numbers. The bank decides after it checks stock, account behaviour, CMA and security.
Who is this for?
CAs packing a working-capital file, CFOs with a live CC who grew sales, and DSAs preparing before a bank meeting.
Do I need CMA data for a CC / OD limit increase?
Usually yes. Banks often want CMA Forms I–VI (with MPBF) plus monthly stock for drawing power. Build the CMA pack on our CMA data maker (₹999), keep stock current here with Stock Statement, then use this enhancement pack for the old-limit vs new-ask story.
Do I need CMA and stock papers too?
Yes for a real bank file. Use this beside our CMA data maker, Stock Statement and Drawing Power tools. Large files can also WhatsApp JR Loan Advisors.
How do I buy the CC/OD pack?
Tap Buy · ₹1,499. Keep that Google email to reopen the pack.