Sampat - Credit Line App

Sampat provides a reliable and transparent revolving credit line designed for everyday financial flexibility. Complete one simple digital application, receive a fast approval decision, and access funds whenever you need them—without branch visits or lengthy paperwork.
All fees and charges are clearly disclosed before every withdrawal. Repay at your own pace with no prepayment penalties. Once your repayment is completed, your available credit limit is restored instantly, helping you stay prepared for both planned and unexpected expenses.
Key Features
1. Fast Decisions, Faster Access
Get Your Credit Decision in Minutes
Complete your application online and receive a quick credit decision without branch visits or unnecessary waiting.
2. Flexible Access to Your Credit
Use Only the Amount You Need
Withdraw any amount within your approved credit limit and keep the remaining balance available whenever you need it.
3. Clear Costs Every Time
Know Exactly What You'll Pay
All applicable charges, daily usage costs, and repayment amounts are displayed before you confirm your transaction—no hidden fees or unexpected costs.
4. Freedom to Repay Your Way
No Charges for Early Repayment
Repay all or part of your outstanding balance whenever you choose. Early repayment helps reduce your overall financing cost.
5. Built with Your Security in Mind
Advanced Protection for Your Information
Your personal and financial data is safeguarded through industry-standard encryption and continuous security monitoring.
6. Reuse Your Credit Instantly
Available Limit Restored After Repayment
Once your repayment is successfully processed, your available credit is restored automatically, allowing you to access it again whenever eligible.
Credit Line 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%
Once your outstanding balance has been fully repaid, your available credit limit is automatically restored to your approved amount, subject to your ongoing account eligibility.
Cost Illustration
This example is for reference only and demonstrates how daily usage charges are calculated.
- Amount Used: INR 10,000
- Daily Usage Rate: 0.065%
- Usage Period: 100 days
Cost Breakdown
INR 10,000 × 0.065% × 100 days = INR 650
Total Repayment: INR 10,650
Usage charges are calculated daily based on your outstanding balance. Using a smaller amount or repaying earlier can help reduce your total financing cost.
Eligibility Requirements
- Be at least 18 years old.
- Hold a valid government-issued identity document (such as Aadhaar, PAN, Passport, or another accepted ID).
- Successfully complete Sampat's digital eligibility assessment and identity verification process.
Customer Support
Our customer support team is here to assist you throughout your Sampat experience—from application to repayment. Whether you have questions about your account, transactions, or product features, our trained support specialists are ready to provide prompt and professional assistance.
Customer Service Email: support@sampat.cc