UnnatiRupeeCredit

UnnatiRupeeCredit — a credit limit that stays ready for whenever you need it

Most borrowing starts over with every request: you begin again from scratch and wait for a new decision. UnnatiRupeeCredit takes one look at your profile and keeps that limit available in your account. Draw what you need, pay it back, and the amount you repaid is ready to use again — with no second application and no second approval.


A LOAN IS SPENT ONCE. A CREDIT LINE KEEPS WORKING.

Think of a credit line as a reserve rather than a one-off loan. Your assessment establishes a personal figure, and that figure remains in the app until you decide to use it — partly or entirely. Paying it back does not close it. It tops it up again.


WHAT YOU CAN DO WITH YOUR LIMIT

• Draw just the amount you need — a small sum, or everything you were approved for.
• Repay ahead of schedule and pay less: interest stops on the amount you settle, no extra penalty applies, and the money goes back into your available limit immediately.
• Pick a repayment period that matches how you earn — anything from 91 to 365 days.
• Leave the limit untouched and pay nothing. Keeping it open does not carry a maintenance fee.


WHAT IT COSTS

• Interest: 0.05% per day, applied only to the portion you have drawn
• Maximum APR: 18.25%
• Repayment window: 91 to 365 days
• Maximum credit limit: ₹2,00,000
• Processing fee: none
• Penalty for repaying early: none


A WORKED EXAMPLE

Imagine your approved limit is ₹50,000 and you draw ₹20,000 for 180 days.

Each day of that draw costs ₹10 in interest (₹20,000 × 0.05%). Across 180 days the interest comes to ₹1,800, so ₹21,800 clears the draw in full.

Settle the same draw at 90 days instead and the interest is just ₹900 — ₹20,900 altogether — and the entire ₹50,000 is available to draw from once more.


FROM SIGN-UP TO TRANSFER

Everything happens inside the app:

1. Fill in your profile — your background, your work and your income.
2. Confirm your identity with your PAN number and a photo of your PAN card.
3. Add up to two emergency contacts.
4. See the limit your assessment produces.
5. Choose how much you want and when you will repay, confirm your bank account, and the money is sent there.


WHO IS ELIGIBLE

• You are 18 or older and live in India
• You hold a PAN card registered in your own name
• You have a bank account in your own name

Every limit is calculated individually, so the amount you are offered reflects your own profile and may be lower than the figure shown above.


HOW WE HANDLE YOUR INFORMATION

Everything you enter is encrypted on your device before it leaves your phone, then sent over a secure connection to servers we operate. It is used only to assess how much you can borrow and to meet our legal obligations. We never sell your personal data, and no third party receives it for advertising purposes.


GET IN TOUCH

Questions about a repayment date, the status of an application, or anything else on your account? Email us at pixelnfft@gmail.com.

UnnatiRupeeCredit is provided by Pixel Technology LLC.