Adhoc Limit refers to temporary credit limit sanctioned over and above the regular approved limit for a short period. It is usually provided to meet urgent working capital or seasonal funding needs. Repeated ad-hoc usage can indicate stress or poor limit planning. In MSME underwriting, it helps the bank understand the nature of the requested or existing facility, the repayment route, the security expectations and the conditions that must be tracked after sanction. For example, frequent temporary limits may reflect genuine seasonal funding needs, but they may also show weak cash planning if they are not regularised on time. This matters because product structure affects cash-flow assessment, limit sizing, pricing, documentation and monitoring frequency. The common mistake is to look only at the sanctioned amount while ignoring tenor, utilisation behaviour, repayment cycle, renewal terms and closure conditions.