Credit built on a ledger you can actually read
ChakraGati Line is a digital revolving credit platform built for everyday Indian users. We pair regulatory discipline with transparent, itemised pricing and a fully digital journey, so flexible credit feels accessible instead of intimidating.
- ₹50K
- Maximum credit limit
- 0%
- Fee on unused credit
- 256-bit
- SSL/TLS encryption
- 15
- Business days
Per eligible user
Pay only for what you use
All data in transit
For deletion requests
Credit that works for you, not against you
Conventional credit products can be rigid, opaque, and slow to access. We built ChakraGati Line to change that experience — a revolving line where you control every draw, see every charge before it applies, and never pay for the portion of your limit you leave untouched.
Every step, from onboarding through repayment, happens on your phone — fast, paperless, and built for eligible users across India.
- Credit limits ranging from ₹1,000 to ₹50,000
- Fully digital KYC and eligibility review
- Itemised charges shown before every draw
- Practices aligned with RBI digital lending norms and DPDPA 2023
Principles that guide every decision
Transparency First
Every fee, rate, and condition is shown clearly before you commit. No fine print, no surprise line items in your statement.
User Empowerment
Control stays in your hands — draw what you need when you need it, manage your account, and request deletion at any time.
Regulatory Compliance
We operate in line with RBI digital lending guidelines and the Digital Personal Data Protection Act, 2023.
Data Security
Personal and financial data is protected with 256-bit SSL/TLS encryption in transit and cryptographic hashing at rest.
Building trust, one ledger entry at a time
- 2022
Platform Founded
ChakraGati Line was established with a mandate to make revolving credit accessible to everyday Indian users.
- 2023
RBI Alignment Established
Operating practices were aligned with RBI digital lending guidelines, forming the backbone of our compliance framework.
- 2024
DPDPA Protocols Adopted
Comprehensive data protection protocols were implemented in step with the Digital Personal Data Protection Act, 2023.
- 2025
Nationwide Access Expanded
Refined eligibility models extended revolving credit access to more verified users across Indian states.
Regulated. Compliant. Trusted.
Operating in line with RBI digital lending guidelines and India's Digital Personal Data Protection Act, 2023.