Credit Line and Fees

Transparent pricing, flexible terms

Clear credit line information with no hidden fees. Plan your finances with confidence.

Credit Line Terms

Withdrawal Period 60 – 365 days

Flexible withdrawal period — users can choose themselves, with a minimum of 60 days and a maximum of 365 days.

Withdrawal Amount ₹2,000 – ₹200,000

Minimum 2,000 INR, Maximum 200,000 INR. The specific loan amount is subject to the approval result after submitting application materials.

Daily Interest 0.05% / day

Equivalent to a maximum of 18.25% per year. Early repayment is supported, charged according to the actual number of days used.

Extension Fee 0.05% / day

If the loan is not repaid by the due date, extra days will be charged an extension fee of 0.05% per day.

Example Withdrawal Calculation

If you withdraw 10,000 INR for 120 days, with an annual interest rate of 18.25%:

Item	Calculation	Amount
Daily Interest Rate	18.25% ÷ 365	0.05%
Daily Interest Payable	10,000 × 0.05%	₹5
Monthly Interest Payment	10,000 × 0.05% × 30	₹150
Monthly Payment	Interest + Principal / 120 × 30	₹2,650
Total Interest	10,000 × 0.05% × 120	₹600
Total Payment	10,000 + 600	₹10,600

The user will receive a credit advance of 10,000 INR, to be repaid in 120 days. If the user repays the credit limit early, the bill will be calculated based on the actual number of days the advance was made.

Application Requirements

Age requirement
18 years or older with full civil capacity.
Identity requirement
Valid Indian identity document.
Credit requirement
Meet the basic lending access standards of relevant financial institutions.
Qualification requirement
Required documents must be provided.

Application Process

1
Download and install CreditLadder
Get the app from your preferred app store.
2
Register an account
Fill in your basic personal information.
3
Authorize data permissions
Grant the required data permissions for assessment.
4
Get product recommendations
The system intelligently recommends suitable credit limit products.
5
Submit your application
Submit your credit limit application for review.
6
Receive your credit limit
Credit limit will be issued after approval.