One credit line that refills itself, every time you repay.
ChakraGati Line opens a revolving credit limit for eligible Indian residents. Draw only what you need, see every rupee of cost before you confirm, and watch your limit reopen automatically as you repay.
- ₹50,000
- Maximum limit
- 18.25%
- Max annual rate
- 0%
- Charge on idle credit
- 365
- Days per usage cycle
Figures shown are indicative limits and rates for illustration. Your actual terms depend on eligibility review.
Built around the way credit is actually used
Revolving Credit Access
Get assigned a limit up to ₹50,000. Draw funds, repay, and the same limit reopens for reuse — no fresh application required.
Ledger-Clear Pricing
A daily rate applies only to the amount you draw. Every charge is itemised in your ledger before you confirm a transaction.
Fully Digital Review
Onboarding, identity checks, and eligibility review happen entirely on your phone. No branch visits and no physical paperwork.
Zero Idle Charges
Interest and service fees are billed only against funds actively in use. An unused limit sitting in your account costs nothing.
From application to reusable credit, in four steps
- 1
Register & Verify
Sign up with your mobile number and complete KYC using a valid government-issued ID. Our digital review runs in minutes.
- 2
Receive Your Limit
Based on your profile and eligibility outcome, a revolving limit between ₹1,000 and ₹50,000 is assigned to your account.
- 3
Draw What You Need
Request any amount within your available limit. Every applicable fee is shown clearly before you confirm the draw.
- 4
Repay & Reopen
Settle within your usage period and the limit reopens automatically — draw again without reapplying from scratch.
Know every cost before you draw a rupee
Charges apply only to what you borrow, for exactly the number of days you hold it. No entry fees, no charges on your unused limit, no surprises in your statement.
- Credit range
- ₹1,000 – ₹50,000
- Daily usage rate
- Up to 0.05% / day
- Maximum APR
- Up to 18.25%
- Service fee
- Up to 1% of amount used
- Charge on unused credit
- ₹0
Illustrative charge slip
For explanation only — actual amounts vary by usage
Who can open ChakraGati Line
18 Years or Older
You must have attained majority under the Indian Contract Act, 1872.
Resident of India
Applications must originate from within Indian territory.
Valid Government ID
A valid PAN or Aadhaar is required to complete KYC verification.
Pass Digital Review
Complete the required identity and eligibility verification steps.
Ready to see your assigned limit?
Read more about how ChakraGati Line is built, operated and kept compliant for Indian users.