SiddhiLoan - Credit Assistant

SiddhiLoan gives eligible users a revolving credit line that can be accessed from the app when an approved need appears. The journey begins with one application, moves through a quick decision step, and lets you use funds without branch counters, printed forms, or piles of documents.
At the confirmation step, every payable amount is displayed as plain numbers before you proceed. Repay on the date you choose, close the draw sooner without a penalty, and after the payment posts, the available limit is refreshed for later use.
Key Features
Decision in a Few Minutes
Once the application is sent, SiddhiLoan begins automated checks immediately. Instead of queueing at a branch or waiting through repeated calls, you receive the credit outcome in minutes and can continue with the next step.
Set the Draw Yourself
Borrow only the amount you select inside the approved limit, rather than taking a preset package. Use the amount needed for the present situation while the unused portion remains available for another time.
Payable Amounts Shown First
SiddhiLoan shows the draw amount, daily interest, and total repayment before you confirm. No hidden charge or fine-print trap is added later; the amount shown on the screen is the amount due.
Close Early Without Penalty
Interest runs only for the period during which the balance is unpaid. If you settle the draw before the planned date, no early repayment penalty applies, and interest stops on that same day, helping lower the total cost.
Protection at Every Layer
SiddhiLoan secures stored data, transmitted data, and account access with enterprise-grade encryption plus continuous monitoring. Your information receives the level of care expected from a trusted financial partner.
Limit Refreshes After Payment
Pay the outstanding balance whenever you are ready, and the full credit limit is reinstated without delay — no new application and no repeated identity checks. Once repayment clears, the SiddhiLoan credit line is ready again.
Credit Facility Details
Credit Line Range: INR 3,000 – INR 50,000
Maximum Usage Period: up to 365 days
Daily Usage Rate: up to 0.065% per day
Maximum Annualized Rate (APR): up to 23.73%
When the outstanding balance is paid, the credit limit returns automatically to the full approved amount and becomes usable again immediately, subject to your current account standing.
Cost Illustration
This illustration is only an example of how a daily usage rate may add interest across a typical usage period.
Amount Drawn: INR 10,000
Daily Rate: 0.065%
Usage Period: 100 days
Cost Breakdown
INR 10,000 × 0.065% × 100 days = INR 650
Total Repayment: INR 10,650
Interest is worked out each day on the unpaid balance. A smaller draw, an earlier settlement, or part-payments can reduce the final amount you pay.
Eligibility Requirements
Be at least 18 years of age
You need to be 18 years or older, which is the adult age required to enter into a credit agreement under Indian law.
Hold a valid government-issued ID document
Identity confirmation requires a valid and currently verifiable document issued by Indian authorities, such as Aadhaar, PAN, Passport, or an equivalent document.
Pass SiddhiLoan's eligibility assessment
Credit line access is provided only after SiddhiLoan completes a quick, automated, and impartial eligibility review confirming that your profile meets our credit standards.
Customer Support
From the first application step until the final repayment is completed, SiddhiLoan support is available to assist you. Your message is handled by a real person who understands the product, and we reply promptly without exception.
Customer service email: support@siddhiloan.com