Risecred

Risecred — Bringing Light to Every Rupee
Some journeys are best measured in milestones, not months. Risecred turns the slow, invisible process of building credit into something you can actually track, celebrate, and act on — one clear signal at a time.

Your Credit, Decoded
No more guessing why your score moved. Risecred breaks down the exact behaviors shaping your credit profile — what's helping, what's hurting — in language that makes sense the first time you read it.

A Timeline You Can Actually See
Progress that isn't visible doesn't feel real. Risecred marks your journey with clear checkpoints: your first check-in, your first improvement, your first milestone. Small wins, stacked up, become real momentum.

A Calm Home Screen
No clutter, no noise,no guesswork, no hidden fine print. Credit disbursed via RBI-registered NBFCs.Just the one or two things that actually deserve your attention today. Open it, check in, move on with your day.

Credit, Made Transparent,Features of Risecred
Credit Limit: ₹3,000 to ₹100,000
Duration: 93 to 365 days
Interest Rate: 0.065% per day, calculated daily
Maximum APR (Annual Percentage Rate): 68%
Processing Fee: 2% to 6% of loan amount+ GST
Quick decision: typically within minutes
Instant disbursal to your bank account
Lending Partners: Risecred Private Limited
Eligibility: Indian citizen, aged 18 or above, salaried or self-employed and meeting the minimum income requirement, with no adverse record at the credit bureau. Documents needed: Aadhaar, PAN, and a selfie.
Representative Example:
Credit Limit: ₹10,000
Duration: 93 days
Daily Interest: ₹10,000 × 0.065% × 93 days = ₹604.50
Processing Fee: ₹250 (2.5% of ₹10,000) + GST @18%: ₹45 = ₹295 total
Amount Disbursed: ₹9,705 (Processing Fee + GST deducted upfront)
Total Repayment Amount (Credit Limit + Interest): ₹10,604.50
Effective APR for this example: approximately 41.6%
*Note – All the above numbers are for representation only. The final interest rate, processing fee, and APR will vary depending on your profile assessment and how long you hold the amount.

Your Funds, Ready When You Are
Once approved, your available credit sits ready in your account — draw it down whenever you need it, straight to your linked bank account. No waiting, no separate steps, just funds moving to where they belong.

Locked Down, By Design
Bank-level encryption. Strict access controls. Zero data-sharing, zero exceptions. Your information stays yours — that's not a promise, it's how the app is built.

Who Risecred Is For
Anyone starting from zero, recovering from a setback, or simply tired of not knowing where they stand. Risecred meets you wherever you are on the climb and gives you the next clear step.

Support
Monday–Friday, 9:00 AM–6:00 PM📧 Email: [email protected]