ZuniFin - Personal Credit

ZuniFin is a next-generation credit platform engineered to give you complete transparency and control over your revolving credit line — from eligibility assessment to every rupee you draw.Once approved, your assigned credit limit is available at any moment — interest-free until you actually use it. Borrow as little or as much as you need, repay on your timeline, and draw again whenever you choose.
Key Features
Your Credit, Always in View
Monitor your approved limit, track real-time utilisation, and review billing history — all from one clean, well-organised dashboard.
Draw Funds When You Need Them
Access any portion of your approved limit on demand. No waiting, no friction — just instant access to the credit that is already yours.
Complete Cost Transparency
Every rate, fee, and condition is displayed clearly before you confirm. What you see is precisely what you pay — nothing buried in fine print.
Pay Only When You Use It
Your credit line carries zero cost to hold. Interest applies only from the moment you draw — calculated daily on the exact amount borrowed.
Security at Every Layer
End-to-end encryption and multi-layer authentication safeguard your data around the clock, keeping your financial and personal information exclusively yours.
Credit Line Details
- Credit Line Range: INR 1,000 – INR 50,000
- Maximum Usage Period: up to 365 days
- Daily Usage Rate: up to 0.065% per day
- Maximum Annualized Rate (APR): up to 23.73%
After repayment, your credit line is reinstated up to your approved limit automatically — ready to use again whenever you need it, subject to account standing.
Cost Illustration
The example below is purely illustrative — it shows how daily-rate interest accumulates over a typical borrowing period.
- Principal: INR 10,000
- Daily Rate: 0.065%
- Usage Period: 100 days
Cost Breakdown
INR 10,000 × 0.065% × 100 days = INR 650Total Repayment: INR 10,650
Your actual cost depends on the amount drawn and the exact number of days the balance remains outstanding. Repay early to reduce the total interest paid.
Eligibility Requirements
- Be at least 18 years of age — applicants must be legally of adult age to enter into a credit agreement.
- Hold a valid government-issued ID document — a current, verifiable identity document issued by Indian authorities is required.
- Pass ZuniFin's standard eligibility review — our platform assessment confirms your profile meets our credit standards.
Customer Support
From account setup to repayment assistance, our team is ready to help you get the most out of ZuniFin — no question too small.
Customer service email: [email protected]