SthaniLoan - Credit Assistant

Hikmat Ali Khan

About this app

SthaniLoan gives you flexible access to a revolving credit line reserved for use whenever you decide it is needed. One profile assessment establishes an approved limit that stays available without charge while untouched. Charges arise only on the portion you draw and only across the exact days that balance remains unpaid. Both the withdrawal amount and repayment timing remain under your control.
Key Features
Instant Credit Overview
See the approved credit limit, live outstanding balance, and funds still available together on one orderly screen, giving you an immediate view of your position without searching through separate pages.
Borrow on Your Terms
Decide when funds are required and specify the exact sum to draw. With SthaniLoan, each withdrawal stays under your control for both amount and timing, without another application, a branch visit, or a waiting period.
Zero Hidden Charges
Before you continue, every relevant rate, fee, and condition is shown clearly in straightforward language, allowing you to understand the complete commitment in advance.
Zero Idle Charges
There is no cost simply for keeping the credit line ready. Interest and fees begin only for the particular days on which money you have drawn remains in use.
Credit Line Details
• Credit Line Range: INR 3,000 – INR 50,000
• Minimum Loan Term: 91 days
• Daily Usage Rate: up to 0.065% per day
• Maximum Annualized Rate (APR): up to 23.73%
After the unpaid balance is cleared, the approved limit returns automatically to its full value and is ready for immediate reuse, subject to the account's current standing.
Cost Illustration
This example is provided only to demonstrate how interest based on a daily rate builds across a representative 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
The repayment actually due is determined by the sum drawn and the precise number of days it stays outstanding. Earlier repayment lowers the overall cost.
Eligibility Requirements
• Be at least 18 years of age — You need to have reached the legal adult age required to enter a credit agreement under Indian law.
• Hold a valid government-issued ID document — Identity confirmation requires a current and verifiable document issued by an Indian authority, such as Aadhaar, PAN, Passport, or an equivalent document.
• Pass SthaniLoan's eligibility assessment — Before credit-line access is provided, our consistent and impartial assessment verifies that your profile satisfies the applicable credit standards.
Customer Support
Our support team assists both first-time and existing SthaniLoan users, covering questions from account setup through guidance about repayment.
Customer service email: [e-mail]

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