Personal Credit, Designed Around Your Life
Personal Credit is a flexible personal loan facility that gives you the freedom to access funds exactly when you need them—without the rigidity of a traditional personal loan. Instead of borrowing a lump sum upfront, you receive a pre-approved credit limit that you can draw from multiple times, repay at your pace, and reuse whenever required.
Whether it’s managing unexpected expenses or funding planned personal milestones, this personal credit ensures uninterrupted financial support with a simple, hassle-free experience.
How Personal Credit Works
- A personalized credit limit is sanctioned based on your eligibility
- Withdraw any amount within the approved limit, at any time
- Repay the utilized amount flexibly
- Once repaid, your available credit is automatically restored
You pay interest only on the amount you actually use.
Key Benefits
- Freedom to Borrow as Needed
Withdraw funds in parts or in full, depending on your immediate requirement.
- Lower Interest Impact
Interest is applicable only on the amount utilized, not on the total approved limit.
- Flexible Repayment Comfort
Make repayments in line with your monthly cash flow, including part-prepayments.
- Always-Available Credit
Reuse your credit limit multiple times without reapplying for a new loan.
- Hassle-Free Experience
Simple documentation, quick processing, and easy account management.
Ideal for Personal Needs Such As
- Medical or emergency expenses
- Education and skill development
- Travel and lifestyle upgrades
- Home improvements or renovations
- Managing short-term cash gaps
Why Choose Personal Credit
- Greater control over personal finances
- Reduced borrowing cost compared to fixed personal loans
- No pressure to borrow more than required
- Convenient access to funds without repeated approvals