YatraLoan - Credit Assistant

YatraLoan keeps a dedicated revolving credit line close to the moments when extra funds are useful. After one profile review, your approved limit stays ready in the app until you decide to draw, and unused balance carries no cost while it remains untouched. You choose the amount and repayment timing instead of accepting a fixed package. Interest applies only to the amount drawn and only for the days it remains unpaid, while every payable figure is shown before confirmation so you can continue with clarity.
Key Features
Decision Without the Usual Delay
Apply wherever you are and let YatraLoan review the submitted profile immediately. The automated assessment avoids branch visits, waiting lines, and repeated callbacks, then returns a clear credit decision within minutes.
Draw Only What You Need
Select the exact figure required for the current situation and leave the remaining approved limit on standby. You can view the full payable amount first, draw the chosen amount, and keep the rest available for another need.
Costs Shown Before Confirmation
Before any draw is completed, YatraLoan displays the daily rate, interest amount, and final repayment total in plain numbers. No hidden charge is added later, and no fine-print cost appears after you confirm.
Earlier Repayment Reduces Interest
Repaying ahead of the scheduled end date can lower the total interest payable. YatraLoan charges no early repayment penalty, so clearing the balance sooner helps reduce what you pay overall.
Protection That Runs Continuously
Your account data is guarded while it is transmitted, stored, and accessed. End-to-end encryption, role-based permissions, and continuous automated monitoring help protect your information around the clock.
Limit Opens Again After Payment
Once the outstanding balance is repaid, the full approved credit limit is restored immediately. There is no fresh application, repeated submission, or waiting period before the facility becomes available again.
Credit Facility Details

Credit Line Range: INR 3,000 – INR 50,000

Maximum Usage Period: up to 365 days

Daily Usage Rate: up to 0.065% per day

Maximum Annualized Rate (APR): up to 23.73%

After the unpaid balance is cleared, your credit limit automatically returns to the full approved amount and becomes available again immediately, subject to your current account standing.
Cost Illustration
The illustration below shows how interest at a daily rate may accumulate across a typical usage period.

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
Your actual repayment depends on the drawn amount and the exact number of days the balance remains unpaid. Repaying sooner can reduce the final cost.
Eligibility Requirements

Be at least 18 years of age

You must be legally recognised as an adult and able to enter into a credit agreement under Indian law.

Hold a valid government-issued ID document

A current and verifiable identity document issued by Indian authorities, such as Aadhaar, PAN, Passport, or an equivalent document, is required to confirm your identity.

Pass YatraLoan's eligibility assessment

Our steady and impartial review checks whether your profile meets the required credit standards before credit line access is approved.
Customer Support
Whether you are opening YatraLoan for the first time or already managing an active account, our support team can help with setup, draw, account, and repayment questions.
Customer service email: support@yatraloan.com

Recent changes:
Journey to Success