DhanRaahi - Credit Assistant

DhanRaahi is a smart revolving credit platform that brings complete clarity and control to your financial journey — accessible anytime, right from your device.
Once your profile passes a quick eligibility check, you gain immediate access to a dedicated credit limit within the app. Your funds remain on standby at no cost until you decide to use them. Interest applies only on the days you actively draw and use your funds. The power to borrow — and when — is entirely yours.
Key Features
Instant Credit Overview
Your approved credit limit, current outstanding balance, and available funds are all displayed in one organised screen — so you always know exactly where you stand without having to dig around.
Borrow on Your Terms
Choose the exact moment you need funds and select the precise amount. DhanRaahi hands you full authority over the timing and size of every withdrawal — no reapplying, no branch visits, no waiting.
Zero Hidden Charges
Every applicable rate, fee, and term is presented to you upfront and in plain language — so you always know exactly what you are agreeing to before proceeding.
Zero Idle Charges
Keeping your credit line open costs nothing at all. Interest and fees are only triggered on the specific days when your drawn funds are actually in use.
Auto Limit Restoration
As soon as you repay the amount you have drawn, your credit line is reinstated up to your full approved limit — immediately available again, subject to your current account standing.
Enterprise-Grade Protection
Advanced encryption technology and round-the-clock security monitoring work together to keep your personal information and financial data fully safeguarded at all times.
Credit Line Details
- Credit Line Range: INR 10,000 – 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%
Once you repay your outstanding balance, your credit limit resets automatically to the full approved amount — immediately available again, subject to your current account standing.
Cost Illustration
The example below is purely illustrative — it shows how daily-rate interest accumulates over a typical borrowing period.
- Amount Drawn: INR 10,000
- Daily Rate: 0.065%
- Usage Period: 100 days
Cost Breakdown
INR 10,000 × 0.065% × 100 days = INR 650Total Repayment: INR 10,650
Your actual repayment depends on the amount you draw and the exact number of days it remains outstanding. Repay earlier to reduce your total cost.
Eligibility Requirements
- 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 is required to confirm your identity.
- Pass DhanRaahi's eligibility assessment — our review confirms your profile meets our credit standards before access to the credit line is granted.
Customer Support
Whether you are new to DhanRaahi or an existing user, our support team is ready to help — from account setup questions to repayment guidance.
Customer service email: support@dhanraahi.com