Answer:
You can go to any bank that you have a bank account with and ask for an overdraft account. Whether or not they give you an OD facility depends on the following factors:
a. The type of bank account you have
b. Your history with the bank
c. Your monthly salary
d. Whether your salary gets credited to this account
e. Can you provide collateral like Fixed Deposit or Gold etc.
The chances of getting an overdraft are significantly higher for people having a salary account and even higher for people who can provide collateral.