Redefining access to credit in India
Swacredit-Revolving Credit is a digital revolving credit platform built for the modern Indian user. We combine regulatory compliance, transparent pricing, and a fully digital experience to make flexible credit accessible and trustworthy.
- At a Glance
- Product
- Revolving credit line
- Credit range
- ₹1,000 – ₹50,000
- Service area
- India, all eligible states
- Regulatory posture
- RBI-aligned · DPDPA 2023
Credit that works for you, not against you
Traditional credit products can be rigid, opaque, and difficult to access. Swacredit-Revolving Credit was built to change that — a revolving credit line where you control every draw, see every charge before it applies, and pay nothing on unused credit.
Our platform is entirely digital, from onboarding to repayment, ensuring a fast, convenient, and paperless experience for eligible users across India.
- Credit limits from ₹1,000 to ₹50,000
- Fully digital KYC and account review
- Transparent fees shown before every draw
- RBI-aligned and DPDPA 2023 compliant operations
- ₹50K
- Maximum credit limit per eligible user
- 0%
- Fee on unused credit
- 256-bit
- SSL/TLS encryption on all data in transit
- 15
- Business days to process deletion requests
Principles that guide everything we do
Transparency First
Every fee, every rate, and every condition is shown clearly before you commit. No fine print surprises — you always know what you are agreeing to.
User Empowerment
We place control in your hands. Draw what you need, when you need it, with full data rights, easy account management, and simple deletion at any time.
Regulatory Compliance
We operate in alignment with the Reserve Bank of India digital lending guidelines and the Digital Personal Data Protection Act (DPDPA) 2023.
Data Security
Your personal and financial data is protected with 256-bit SSL/TLS encryption in transit and cryptographic hashing at rest.
Building trust, step by step
- 2022
Platform Founded
Swacredit-Revolving Credit was established with a mission to make revolving credit accessible to eligible Indian users.
- 2023
RBI Alignment Achieved
Adopted a regulatory framework aligned with RBI digital lending guidelines, establishing our compliance foundation.
- 2024
DPDPA Integration
Implemented comprehensive data protection protocols in line with India's Digital Personal Data Protection Act.
- 2025
Expanded Credit Access
Launched enhanced eligibility review, extending revolving credit access to more verified users nationwide.