One credit line that keeps turning back to you
Anantapur Chakra-Flexi Credit gives eligible Indian residents a revolving credit limit that refreshes as you repay. Draw what you need, see every charge up front, and pay nothing while your limit sits unused.
- Credit range
- ₹1K–₹40K
- Usage period
- 365 days
- Onboarding
- Fully digital
₹40K
Max credit limit
18.25%
Max annual rate
0%
Fee on unused credit
Built around one wheel of credit
Four commitments that shape how your revolving credit line actually behaves, from the day you apply to every draw after that.
A limit that comes back around
Access a revolving credit limit up to ₹40,000. Draw funds, repay, and your limit refreshes automatically — no need to reapply.
Every charge, shown up front
A daily usage rate of up to 0.05% applies only to what you draw. No hidden charges — see the exact cost before you confirm.
Verification, entirely on your phone
Onboarding, KYC, and account review happen digitally, end to end. No branch visits, no physical paperwork, no waiting rooms.
Pay only for what moves
Interest and service fees apply strictly to the amount in use. An idle limit costs you nothing, for as long as it stays idle.
Four turns from application to access
- 01
Apply & verify
Register with your mobile number, complete KYC with a valid government ID, and pass a digital eligibility review — in minutes.
- 02
Get your credit limit
Receive a revolving limit between ₹1,000 and ₹40,000, assigned to your profile based on your eligibility results.
- 03
Draw whenever you need it
Choose any amount within your available limit. Review the exact usage rate and fees before you confirm the draw.
- 04
Repay, and the wheel turns again
Repay within your usage period and your limit resets automatically — ready to draw again without a fresh application.
Know your cost before you draw
Every charge is displayed clearly before you confirm a draw. Fees apply only to the amount you use, for the exact number of days you use it.
- Credit range: ₹1,000 – ₹40,000
- Daily usage rate: up to 0.05% per day, on the amount drawn
- Maximum annual rate (APR): up to 18.25%
- Service fee: up to 1% of the amount used
- Zero charge for any part of your limit left unused
Charge illustration — for explanation only
- Principal amount used
- ₹8,000
- Usage duration
- 90 days
- Daily usage rate
- 0.05%
- Service fee rate
- 1%
- Estimated interest
- ₹360
- Service fee
- ₹80
- Estimated total repayment
- ₹8,440
Who can use Anantapur Chakra-Flexi Credit?
We serve eligible adult Indian residents who meet the following straightforward verification requirements.
18+ years old
Must be a major under the Indian Contract Act, 1872.
Indian resident
Credit applications must originate from Indian territories.
Valid government ID
Hold a valid government-issued identification document for KYC.
Pass verification
Complete the required digital verification and account review.
Ready to set your credit line in motion?
Anantapur Chakra-Flexi Credit is fully digital, aligned with RBI digital lending guidelines, and aligned with the DPDPA, 2023 — built for eligible residents of India who want credit that behaves the way they expect.
Learn more about us