A revolving credit line, kept in plain sight
Swacredit-Revolving Credit issues a revolving credit limit between ₹1,000 and ₹50,000. Draw what you need, repay, and reuse your limit — every charge is itemised before you confirm a single rupee.
₹22,400
Available to draw today
- Credit limit
- ₹35,000
- Amount drawn
- ₹12,600
- Available now
- ₹22,400
Every draw is logged and itemised — a ledger-first approach to revolving credit for verified Indian residents.
- ₹50,000
- Maximum Credit Limit
- 18%
- Maximum Annual Rate
- 365
- Days Usage Period
- 0%
- Fee on Unused Credit
Everything your credit line needs
Revolving Credit Line
Access a flexible credit limit up to ₹50,000. Draw funds when you need them, repay on your schedule, and your limit refreshes automatically for reuse.
Transparent Fee Structure
A daily usage rate of up to 0.05% applies only to the amount drawn. No hidden charges, no fee on the portion of your limit that sits unused.
Fully Digital Review
Onboarding, KYC verification, and account review happen entirely on your phone. No branch visits, no physical paperwork, no waiting rooms.
Pay Only for What You Use
Interest and service fees are calculated strictly on the amount in active use — for the exact number of days it stays outstanding.
How Swacredit-Revolving Credit works
- 1
Apply & Verify
Register with your mobile number, complete KYC with a government-issued ID, and pass our digital eligibility review in minutes.
- 2
Receive Your Limit
Get an assigned revolving credit limit between ₹1,000 and ₹50,000, based on your profile and verification outcome.
- 3
Draw Funds Anytime
Choose any amount within your available limit. Review every applicable charge before you confirm a draw.
- 4
Repay & Reuse
Settle within the usage period and your limit refreshes automatically — borrow again without a fresh application.
Know your costs before you borrow
Every charge is displayed clearly before you confirm usage. Fees apply only to the amount you draw, for the exact number of days it remains outstanding.
- Credit range₹1,000 – ₹50,000
- Daily usage rateUp to 0.05% / day
- Maximum APRUp to 18%
- Service feeUp to 1% of amount used
- Charge on unused credit₹0
- Principal amount used
- ₹8,000
- Usage duration
- 100 days
- Daily usage rate
- 0.05%
- Service fee rate
- 1%
- Estimated interest
- ₹400
- Service fee
- ₹80
Who can use Swacredit-Revolving Credit?
We serve eligible adult Indian residents who meet a straightforward set of verification requirements.
18+ years old
Must be a major under the Indian Contract Act, 1872.
Indian resident
Credit applications must originate from Indian territory.
Valid government ID
Hold a valid government-issued identification document for KYC.
Pass digital verification
Complete the required identity and account review process.
Ready to access your credit line?
Join verified users across India who rely on Swacredit-Revolving Credit for flexible, transparent revolving credit — fully digital and RBI-aligned.