DhruvLoan - Credit Line

DhruvLoan is a smart credit management platform built to give users a transparent, structured way to view, monitor, and handle their approved revolving credit line.
Once an eligibility review is complete, approved users gain access to a credit limit within the app. The limit stays ready whenever you need it — no cost unless you actually draw on it. This usage-based model keeps you in full control of your borrowing.

Key Features
Your Credit, All in One Place
Check your approved credit limit, track how much you've used, and review billing details — all from a single, organized screen.

Borrow on Your Own Terms
You choose when to access your credit and how much to draw. Full control stays with you at every step.

No Hidden Surprises
Every fee and usage condition is shown upfront, so you always know exactly what you're agreeing to before you proceed.

Zero Cost While Idle
Keep your credit line on standby without paying a thing. Costs only apply once you decide to put it to use.

Privacy Built Right In
Industry-grade encryption and multiple layers of security work around the clock to keep your personal and financial information protected.

Credit Line Details
Indicative Credit Line Range: INR 1,000 – 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%
Once repaid, your credit line becomes available again up to your approved limit, subject to your current account status and conditions.

Calculation Parameters
The figures below are for reference only, intended to show how usage-based costs are calculated in practice.
Credit used: INR 10,000
Usage period: 100 days
Daily usage rate: 0.065%

Cost Breakdown
INR 10,000 × 0.065% × 100 days = INR 650
Total repayment amount: INR 10,650
Interest is based on the exact number of days you hold the credit. Your actual cost may differ depending on your specific usage period and account terms.

Eligibility Requirements
Before you can use the app's core features, you'll need to satisfy the following basic requirements:
Be at least 18 years old
Possess a valid identification document
Meet the basic eligibility criteria defined by the platform

Customer Support
Need help with your account or have a question about the app? Our support team is just an email away.
Whether it's a billing question, an account issue, or a general inquiry, we're here to make sure you get the answers you need.
Customer service email: support@dhruvloa.com

Recent changes:
DhruvLoan — Your guiding star for finance.