Fast Assessment, Direct Answer
Application review begins when you submit. Utthaam avoids branch queues and callback cycles, then provides a clear decision in minutes so you can move ahead.
Flexible credit access
UtthaamCredit Ready
Utthaam gives you access to a revolving credit line with clear visibility over your approved limit, usage status, and repayment details from one focused mobile experience.
After eligibility review, approved users can draw from the facility in the app. Charges begin only when a draw is made, keeping unused credit available without cost.
Product advantages
Six controls for clearer credit use
The core functions help you understand decisions, draw size, cost visibility, early settlement, protection, and renewed access.
01
Flexible Draw Size
Choose an amount within your approved limit instead of taking a preset package. Use the current amount required and leave unused capacity for later.
Charges Displayed Before Confirmation
The principal, daily interest, and total repayment are shown before confirmation. No hidden fee or fine-print deduction is added.
Earlier Closure, Lower Interest
Interest applies only while the balance remains outstanding. Repay before the scheduled date with no early repayment penalty and interest stops that day.
Protection Across Every Layer
Storage, transmission, and account access are guarded through enterprise-grade encryption plus continuous monitoring.
Limit Reopens After Repayment
Clear the outstanding balance and the full approved limit is restored without delay, with no fresh application or repeated identity check.
Credit parameters
Know the range, rate, and reset rule
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%
Limit reset after clearance
Once the outstanding balance is repaid, your credit limit automatically returns to the full approved amount and becomes available again immediately, subject to your current account standing.
No new application after full repayment
Availability depends on current account standing
Cost illustration
Daily-rate example with locked figures
This illustration shows how daily-rate interest may accumulate during 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. A smaller draw amount, earlier repayment, or part-payments can reduce the final cost.
Eligibility
Requirements before credit line access
Utthaam checks the basics first, then completes an automated and impartial review against its credit standards.
Be at least 18 years of age
Indian law requires you to be legally adult before entering into a credit agreement.
Hold a valid government-issued ID document
Identity confirmation requires a current, verifiable document issued by Indian authorities, including Aadhaar, PAN, Passport, or an equivalent government ID.
Pass Utthaam's eligibility assessment
Utthaam uses a quick, automated, and impartial review to confirm that your profile meets our credit standards before credit line access is granted.
Customer Support
Support from application to repayment
Support is available from the first application step through final repayment. Each message reaches a real person who understands Utthaam, and our team responds promptly without exception.