The right instrument
A card, a drop-line OD and a term loan price and behave differently. We map the facility to the job you need done.
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Credit
Credit that behaves like a tool — not a trap.
From secured credit lines against deposits or securities to premium cards and business overdrafts, we help you pick a facility that matches how you actually spend and repay.
TicketAs per bureau & income
HorizonRevolving / 3–36 months
IndicativeFlexible*
At a glance
Credit Loan
- —Cards, overdrafts and short-tenor loans
- —Limit enhancement reviews
- —Secured credit against FD / securities
- —Usage and repayment coaching
Why this desk
What you actually get.
Limit strategy
Healthy utilisation and mix can support a stronger bureau file over 6–12 months.
Cost control
We highlight revolving APR, cash-advance fees and joining charges so the fine print is not a surprise.
Partner access
Applications are placed with banks and NBFCs that fit your profile — salaried, professional or MSME.
Fit
Eligibility, in outline.
- —Resident Indians with an active bureau file
- —Documented income and banking history
- —Existing credit, if any, in standard status
- —For secured lines: unencumbered FD, bonds or approved securities
Partner grids vary. These are typical gates, not a promise of sanction.
Paper
Documents we usually ask for.
- —KYC (PAN, Aadhaar)
- —Income proofs and bank statements
- —Existing card / loan statements if seeking a balance move
- —Security documents for collateral-backed lines
Illustration
EMI sketch
Indicative only. Sanctioned rate, tenor and fees will differ.
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Interest
Total
Questions
Frequently asked.
No. Personal loans are amortising term facilities. Credit loans here cover revolving cards, overdrafts and short-tenor credit that you draw and repay more fluidly.
As a rule of thumb, keep revolving utilisation under 30% of the assigned limit if you are building score.
Yes. Underwriting then leans on ITR, GST (if applicable), banking and business vintage rather than salary slips.
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