Limit Route - Credit Line

Limit Route provides eligible users with access to a revolving line of credit designed for flexible use.

When a credit limit becomes available, users can choose whether to use it and select an amount within the available credit. The entire limit does not need to be utilized at once.

Flexible use of your credit limit

Interest and applicable service fees apply only to the amount actually utilized. No interest or service fee is charged on the portion of the credit limit that remains unused.

Credit terms

Credit limit: ₹1,000 to ₹70,000
Credit usage period: Up to 365 days. Interest is calculated based on the actual number of days the utilized amount remains outstanding.
Daily interest rate: Up to 0.06%
Maximum annualized interest rate: 21.9%
Service fee: Up to 1% of the utilized amount
Interest and service fees on unused credit: None

Cost example

The following example illustrates how applicable charges may be calculated.

Amount utilized: ₹10,000
Usage period: 120 days
Daily interest rate: 0.06%
Service fee: 1%

Interest: ₹10,000 × 0.06% × 120 days = ₹720
Service fee: ₹10,000 × 1% = ₹100
Amount utilized: ₹10,000
Interest: ₹720
Service fee: ₹100
Total credit cost: ₹820
Total amount payable: ₹10,820

This example is for illustration only. Actual credit limits, rates, fees, usage periods, and total payable amounts may vary based on individual eligibility, account assessment, credit usage, and applicable terms.

Eligibility and verification

Applicants must be at least 18 years old.

Depending on account and verification requirements, applicants may be asked to provide:

An active mobile number
Valid identification information
Bank account information where required
Information required for identity verification and eligibility assessment

Registration, identity verification, or submission of account information does not guarantee approval, a specific credit limit, or continued access to credit.

Customer support

For assistance with registration, verification, account information, credit usage, repayment, or technical issues, please contact us.

Email: [email protected]