Decisions in Minutes, Not Days
PunjiLoan starts checking your application the moment it is submitted. There are no waiting lines or repeated callback loops; a clear credit decision is returned within minutes so you can proceed with certainty.
Work Faster, Grow Faster.
PunjiLoan credit stays ready.
PunjiLoan keeps a revolving credit line close inside the app, so approved users can draw funds when timing matters. One clear application, a rapid decision path, and in-app access help you move without branch visits or stacks of paperwork.
Before each draw is confirmed, every charge appears in plain figures. Repay when it suits you, settle early without penalty, and receive your restored limit as soon as repayment lands.
PunjiLoan
Approved credit limit
INR 50,000
0.065%Daily usage rate
365 daysMaximum usage period
23.73%Maximum APR
INR 3,000Minimum credit line range
INR 50,000Maximum credit line range
InstantLimit restoration after repayment clears
Key Features
Six steady controls for the full draw cycle.
PunjiLoan is built around quick decisions, flexible draw amounts, transparent cost display, early settlement, always-on security, and instant limit restoration.
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Your Amount, Your Choice
Select the exact amount you need from within your approved limit rather than accepting a fixed package. Use only what the situation requires and leave the rest of your limit available for another occasion.
Complete Transparency, Zero Surprises
The complete cost, including draw amount, daily interest, and total repayment, is shown clearly before you confirm. There are no hidden charges or fine-print traps; the figure displayed is the figure you repay.
Settle Early, Save More
Interest is applied only while an unpaid balance remains open. Repay your draw before the scheduled date with zero early repayment penalty, and interest stops on that same day, helping lower the final cost.
Security You Can Count On, Around the Clock
Every part of PunjiLoan, including data storage, transmission, and account access, is protected by enterprise-grade encryption and continuous monitoring. Your information is managed with the care expected from a trusted financial partner.
Instant Limit Restoration
Pay off any outstanding balance whenever you choose, and your full approved limit is brought back without delay, with no fresh application and no repeated identity checks. Your PunjiLoan credit line becomes available again once repayment clears.
Credit Line Details
Numbers remain visible before you proceed.
After the outstanding balance is repaid, your credit limit resets automatically to the full approved amount and becomes available again immediately, subject to your current account standing.
Your approved line can be used again once repayment clears, so the facility stays ready without a fresh application.
Credit Line RangeINR 3,000 - INR 50,000
Maximum Usage Periodup to 365 days
Daily Usage Rateup to 0.065% per day
Maximum Annualized Rate (APR)up to 23.73%
Cost Illustration
A clean daily-rate calculation.
This example is for illustration only and shows how interest at a daily rate can accumulate over a typical usage period.
INR 10,000Amount Drawn
×
0.065%Daily Rate
×
100 daysUsage Period
=
INR 650Interest
Total RepaymentINR 10,650
Interest is calculated each day on the unpaid balance. Drawing a smaller amount, repaying sooner, or making part-payments can all reduce the final cost.
Eligibility Requirements
Three checks before access is granted.
Applicants must be at least 18 years old, hold a valid government-issued ID document, and pass PunjiLoan's eligibility assessment.
Be at least 18 years of age
You must be legally of adult age to enter into a credit agreement under Indian law.
Hold a valid government-issued ID document
A current, verifiable identity document issued by Indian authorities, such as Aadhaar, PAN, Passport, or an equivalent document, is required to confirm your identity.
Pass PunjiLoan's eligibility assessment
Our quick, automated, and impartial review confirms that your profile meets our credit standards before access to the credit line is granted.
Customer Support
Support from application to final repayment.
From your first application through final repayment, our support team is available to help. Every message reaches a real person who understands the product, and we respond promptly without exception.