Smart money management, built on credit assessment.
We give people a reserve they can rely on, without the burden of debt they do not need.
Greater financial autonomy for everyday life.
Niyat Limit is not a traditional lending product. After you complete the assessment and obtain a limit, it works like a reserve fund kept aside for you: support when you need it, and no effect on your finances when you do not.
Our pre-assessment, on-demand activation and pay-after-use model helps you cope with temporary financial pressure while avoiding unnecessary debt burdens.
A limit that is personal to you.
Our advanced risk control model comprehensively considers three dimensions of your profile to determine a personalised available credit limit, evaluated in real time.
Identity information
Verified through KYC with Aadhaar or PAN and a real-time selfie.
Spending patterns
Understanding how you manage day-to-day finances.
Credit history
Your past record helps us set a responsible limit.
We highly value your privacy.
All personal information you provide is protected with data encryption technology and handled under clear rules.
Encrypted at all times
All personal information you provide is encrypted.
Used for a clear purpose
Data is used solely for credit assessment and service delivery.
Never shared without consent
We will not share your data with third parties without your explicit consent, except where required by law.
You stay in control
View, update or request deletion of your data at any time through the application.
A professional team, ready to help
Our support team answers questions at every stage of your Niyat Limit journey, Monday to Sunday, 08:00 - 18:00.
Account & KYC
Help with registration, document upload and selfie verification.
Limit & Assessment
Questions about how your available limit is determined.
Withdrawal & Repayment
Guidance on amounts, terms, fees, early repayment and due dates.
Privacy Requests
Support for viewing, updating or deleting your personal data.