Chatura Rupee:Credit Line App

Chatura Rupee gives you a credit line you keep — approved once, ready whenever you need it.

Chatura Rupee is NOT a personal loan app. Think of it instead as a new-age rupee reserve — money that is already approved and waiting for you, ready the moment you need it.

Some months the money arrives late. A medical bill, a repair, a payment that cannot wait — you should not have to start a fresh loan application to cover it. Chatura Rupee gives you a credit limit that stays with you, and lets you draw from it whenever you need to.

⚡ What you get

• One limit, used again and again. Once your credit line is approved it stays open. Repay what you have drawn and the full amount is available to you again — no new application.
• Draw only what you need. You can withdraw anywhere from 1% to 100% of your limit. Interest is charged on the amount you actually take, not on the limit you were approved for, so the credit you leave untouched costs you nothing.
• A rate you can verify yourself. 0.05% per day on the amount you withdraw, an APR no higher than 18.25%, and no processing fee. What you see at confirmation is what you repay.
• Your repayment date, your choice. Pick a term of between 91 and 365 days according to when you expect to have the money — not according to a fixed schedule.
• Handled entirely in the app. Your details, your verification and your disbursement all happen on your phone. The money is transferred to your own bank account.

💳 How it works

1. Share your details — Complete your profile and your PAN information in the app.
2. Receive your limit — Our assessment model reviews what you have provided and sets your personal credit limit.
3. Draw your funds — Choose the amount and the repayment date, confirm your bank account, and the money is sent to it.
4. Repay, then reuse — Settle the amount plus the interest for the days you used it. Your limit is restored the moment your repayment is complete.

📊 The numbers

• Daily interest rate: 0.05% of the amount withdrawn
• Maximum APR: 18.25%
• Repayment period: 91 - 365 days
• Credit limit: ₹2,000 - ₹2,00,000
• Processing fee: none
• Prepayment penalty: none — interest is charged only for the days you actually use the money, and it stops on the day you repay

🧮 An example of what it costs

Suppose your limit is ₹40,000 and you decide to draw ₹12,000 for 120 days.

• Interest per day: ₹12,000 × 0.05% = ₹6
• Interest for 120 days: ₹6 × 120 = ₹720
• Total repayment: ₹12,720

There is nothing else to pay. If you repay after 60 days instead, you pay interest for 60 days only — ₹360 — and the total becomes ₹12,360. Your full ₹40,000 limit is available to draw from again.

🎯 Who can apply

• An Indian resident aged 18 or over
• A PAN card in your own name
• A bank account in your own name

Your limit is set individually by our assessment, so it may differ from the numbers shown above.

🛡️ Your data

Your information is encrypted before it leaves your device and sent to our own server over an encrypted connection. It is used to assess your credit limit and to meet our legal obligations, and for nothing else. We do not sell your personal data and we do not share it with third parties for their own purposes. You can delete your account and its data yourself at any time from Mine › Settings › Delete Account, or by writing to us.

📬 Talk to us

Questions about an application, a repayment date or your account? Write to rahulsingh739910@gmail.com and we will get back to you.