GraviRup

GraviRup sets a credit limit once and then leaves the decisions to you. Nothing is owed while the limit sits unused. The day money is drawn, the cost is worked out on that amount and on the number of days it stays unpaid, and not on anything else.
Key Features
The Numbers, All in One Place
Approved limit, the share currently in use, and the record of earlier bills are laid out on one page, so the shape of the account can be taken in quickly.
Take a Part, Not the Whole
Draw as much of the approved limit as the situation calls for and leave the rest. The credit has already been granted, so no second application and no visit are involved.
Every Charge Spelled Out
Rate, fee, and governing condition are stated in ordinary words before anything is confirmed, with no element of the price left out of sight.
The Meter Starts Only When You Draw
An unused limit carries no cost. Interest begins the day funds are taken and is counted against the outstanding amount, one day at a time.
Locked Down End to End
Encryption from end to end, together with authentication at more than one level, keeps financial and personal records out of reach of anyone else.
Credit Line Details
- Credit Line Range: INR 3,000 – INR 50,000
- Minimum Loan Term: 91 days
- Daily Usage Rate: up to 0.065% per day
- Maximum Annualized Rate (APR): up to 23.73%
Once the outstanding balance is cleared, the limit returns to its full approved value and can be used again, depending on how the account stands at that point.
Cost Illustration
The figures below follow a daily rate across a representative stretch of use.
- Amount Drawn: INR 10,000
- Daily Rate: 0.065%
- Usage Period: 100 days
Cost Breakdown
INR 10,000 × 0.065% × 100 days = INR 650
Total Repayment: INR 10,650
Interest is counted daily against whatever remains unpaid. A smaller draw, a shorter period, or a payment made partway through will each reduce the eventual total.
Eligibility Requirements
- Be at least 18 years of age — A credit agreement can be entered into under Indian law only by someone who has already turned 18.
- Hold a valid government-issued ID document — Identity is checked against a current document an Indian authority can verify, such as Aadhaar, PAN, Passport, or an equivalent credential.
- Pass GraviRup's eligibility assessment — An automated, even-handed review establishes whether the profile submitted meets our credit standards before the line is opened.
Customer Support
Questions are welcome at any stage, from the first application through to the closing payment. Each one is handled by someone who knows how the service works.
Customer service email: [email protected]