Assess credit, use as needed, easy cash flow.
Niyat Limit is a credit limit assessment and management tool. Get a personalised available limit reserved just for you, and pay nothing unless you choose to withdraw.
- No fees until you withdraw
- 100% online process
- Encrypted personal data
A reserve fund that waits until you need it.
Our advanced risk control model considers your identity information, spending patterns and credit history to set a personalised limit. Once approved, no interest or fees are incurred as long as you do not withdraw.
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01
Pre-assessment
Complete a single online assessment and receive your dedicated available limit.
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02
On-demand activation
Withdraw only when a real need appears. The amount and timing are entirely up to you.
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03
Pay-after-use
Fees are calculated only on the actual number of days you use the funds.
Built for financial autonomy
Everything about Niyat Limit is designed to help you cope with temporary financial pressure while avoiding unnecessary debt.
Low Application Threshold
Only valid identification is required to initiate a credit assessment.
Efficient and Simple Process
The entire process is online, with an intuitive and straightforward approval flow.
Flexible and Independent Use of Funds
Once your limit is approved, decide whether to withdraw at any time. The amount and timing are your call.
Comprehensive Customer Support
A professional team is available to answer any questions you may have during use.
Information Security Guarantee
Data encryption technology is used to strictly protect your personal privacy.
Clear numbers, no surprises.
Fees are only calculated on the actual number of days used. If you repay early, your bill is recalculated accordingly.
Register with your mobile number and unlock your limit.
Install the Niyat Limit app, complete KYC with your Aadhaar or PAN card and a real-time selfie, and your dedicated limit is activated as soon as it is approved.
Niyat Limit is designed to provide you with financial flexibility. Please use it responsibly according to your actual repayment ability and avoid over-reliance.