How do I record my overdraft or cash-credit limit in Aicountly Billing so Cash & Bank shows what I can still draw?

Go to Settings → Payment & Banking and open the Overdraft and cash-credit limits section. You need the settings permission in your Billing profile to see it.

1. Choose the Bank account. Only bank accounts are listed; cash in hand has nothing to draw against.
2. Pick the Kind: Overdraft or Cash credit.
3. Enter the Sanctioned limit — what your bank agreed to lend, not what you have drawn.
4. Optionally give it a name, such as "HDFC OD", then click Record the limit.

Billing does not store any balance. The account balance is read from Smart Books each time, so the Cash & Bank dashboard works out how much of the limit is used and how much is left, and says so if you are over the limit. Until a limit is recorded, Cash & Bank counts no credit as available. A recorded limit can be removed from the same section.