Al-Afdhal

Overdraft Limit 

Net Salary Limit
335 to 499 1,000
500 to 665 1,500
666 to 835 2,000
836 to 999 2,500
1,000 to 1,335 3,000
1,336 to 1,665 4,000
1,666 & above 5,000

* If limit exceeds the specified amount, an additional R.O 5 is charged.

Eligibility

  1. The applicant should be 18 years old & above
  2. The applicant’s salary should be a minimum of OMR 335 and above
  3. The applicant should complete at least 4 months with the current employer
  4. The applicant should not be blacklisted with BankDhofar or Central Bank of Oman (CBO) caution list

Documents Required

  1. Latest salary slip and salary certificate
  2. Copy of valid I.D (Omani), copy of valid passport and resident card (Expatriates)
  3. A salary assignment letter from the employer addressed to the Bank
  4. Facilities agreement duly signed
  5. A third party guarantee letter from a guarantor who’s salary is sufficient to cover the commitment, if required
  6. Bank statement for the last three months
  7. NOC (no objection letter) if the applicant is working with other Banks

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