Vrish - Credit Assistant

Vrish keeps an approved revolving credit reserve close at hand without charging for untouched capacity. Complete one digital assessment to establish your limit, then decide when and how much to release. The entire journey happens in the app, so no branch trip or paper file stands between a need and a decision.
Every draw begins with a visible statement of principal, daily interest, and amount due. You control the timing: close the balance ahead of schedule with no prepayment fee, and the repaid limit reopens as soon as settlement is recorded.
Key Features
Review Runs the Moment You Submit
Once your details reach Vrish, the automated assessment starts immediately and returns a direct outcome within minutes. The process removes counter visits, queue time, and repeated calls while keeping the next step clear.
Match Each Draw to Its Purpose
Release the precise sum that fits the current requirement from within your approved capacity. Anything you do not select remains untouched and ready for a different occasion.
Confirm the Entire Price First
Principal, the applicable daily rate, accumulated interest, and the final amount due are presented together before approval. Nothing is concealed behind an extra fee or an unclear condition.
Fewer Open Days Mean Less Interest
Charges accrue only during the period in which a balance remains unpaid. You may finish repayment early without a penalty, stopping further interest on the day the account is settled.
Protection Extends From Device to Storage
Encrypted transmission, restricted internal access, and continuous system observation protect information across storage, movement, and account use. These controls operate throughout every hour of the day.
Repaid Capacity Becomes Available Again
Recording full settlement restores the approved limit at once. Vrish does not require another application, a second identity process, or an additional waiting cycle before the facility can be used again.
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%
Following complete repayment, the approved capacity is reinstated automatically and is ready for a later draw immediately, provided the account remains in good standing.
Cost Illustration
The calculation offers a representative view of how a daily charge develops across a defined use period and is included only as an example.
• 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
Actual cost changes with the released amount and the number of unpaid days. A lower draw, an earlier close, or payments made along the way may each reduce the amount ultimately payable.
Eligibility Requirements
• Be at least 18 years of age — Applicants must be adults who can lawfully enter a credit agreement under Indian law.
• Hold a valid government-issued ID document — Identity checks require a current document issued by an Indian authority, including Aadhaar, PAN, Passport, or an equivalent credential.
• Pass Vrish's eligibility assessment — Vrish grants access only after an automated, consistent, and impartial evaluation verifies that the submitted profile meets our credit standards.
Customer Support
Assistance remains available from the first account question until the final balance is cleared. A support specialist familiar with Vrish reviews every message and provides a prompt, practical response.
Customer service email: [email protected]