Credit Baniya — Simple Digital Short-Term Credit Journey

Eligibility depends on the lender’s policy, including age, income, employment, banking, identity verification and credit assessment. An application does not guarantee approval.

The homepage calculator lets you estimate loans for 61 to 365 days. Available tenures and repayment schedules are subject to the applicable lender’s approved product and loan agreement.

Estimated simple interest is calculated as loan amount × daily interest rate ÷ 100 × number of days. The calculator displays interest separately from the principal; it is an illustration, not a sanction or binding offer.

You can choose an illustrative daily rate between 0.45% and 1% using the calculator. The final applicable rate will be disclosed in the lender’s terms and Key Fact Statement (KFS).

No. The homepage estimate currently shows principal and simple interest only. Processing fees, applicable taxes and any other permitted charges, if applicable, are disclosed separately in the lender’s KFS and loan documents.

Loan amount limits depend on the lender’s offering and individual eligibility. The homepage calculator illustrates amounts from ₹10,000 to ₹5,00,000; this range does not represent a guaranteed loan offer.

You may be asked for PAN, identity/address proof, bank statements, income proof or salary slips, and other documents required by the lender’s verification process. See the Documents Required page for guidance.

The document upload process may ask for a password where supported. Only submit document passwords using a secure, authorized application workflow; never share your login password or OTP with an agent.

KYC may involve identity and address checks, document review, and other approved digital verification steps. The exact method depends on the applicable lender and service availability.

Timelines vary based on successful verification, lender assessment, completion of documents and agreement or payment-mandate steps. No approval or disbursal timeline is guaranteed.

After signing in, visit My Account to review the application status and any available next steps.

Review the lender’s Key Fact Statement, sanction details and loan agreement before accepting. They contain the applicable costs, annualized APR, repayment schedule and other relevant terms.

Prepayment or foreclosure options and any applicable charges depend on the lender’s policy and your loan agreement. Check your agreement or contact support for your specific terms.

Use the repayment options shown in your authenticated My Account or official lender-provided payment instructions. Do not transfer funds to unverified personal accounts.

A missed payment may result in lender-disclosed charges and could affect your credit record. Contact support early if you are having difficulty repaying. Refer to the loan agreement for specific terms.

Payment receipts and loan-closure documents may be available through the servicing process after the lender confirms the relevant payment or closure conditions. Check My Account or contact support.

You may be able to submit a repeat application after closure, but every new loan remains subject to the lender’s eligibility and underwriting checks.

Credit Baniya is operated by P N Fintech Private Limited as a loan service provider. Loans are issued by the applicable regulated lender, including Daksh Lefince Limited where specified in your loan documents. Always verify the named lender in your KFS and agreement.

Visit the Contact Us page for support and escalation information. Refer to your loan documents for the applicable lender’s grievance-redressal details.