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Niyat Limit is not a traditional lending product but a smart money management service based on credit assessment. Your approved limit works like a reserve fund that you activate only when needed.

No. No interest or fees are incurred as long as you do not actively withdraw funds. Fees are only calculated on the actual number of days used.

Applicants must be at least 18 years old with valid identification. You will need your mobile phone number, an Aadhaar or PAN card and a real-time selfie to complete KYC.

Each withdrawal can be between INR 1,000 and INR 150,000 within your limit, with a usage period of up to 365 days that you choose.

If you repay early, the bill is recalculated based on the actual number of days used. If you repay after the due date, the extra days are charged an extension fee of 0.05% per day.

Your information is encrypted and used solely for credit assessment and service delivery. We do not share it with third parties without your explicit consent, except where required by law, and you can view, update or request deletion at any time in the app.