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

Maximum Usage Period: up to 365 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