FlexeRupee:Credit Line

Pixel Technology LLC

About this app

FlexeRupee: Credit Line — a limit that stays open for the next time you need it

Borrowing elsewhere tends to reset with every request: you start from the beginning, then wait for a fresh decision. FlexeRupee: Credit Line assesses you once and leaves that limit standing in your account. Draw from it, repay it, and the amount you repaid becomes available to draw on again — no second application, no second approval.


A LOAN IS USED ONCE. A CREDIT LINE KEEPS WORKING.

A credit line is closer to a reserve than to a one-off loan. Your assessment sets a personal figure, and that figure stays inside the app until you choose to use it — in part or in full. Repaying does not close it. It refills it.


WHAT THE LIMIT LETS YOU DO

• Draw only what you need — a small amount, or the whole of the figure you were approved for.
• Repay early and owe less: interest stops accruing on what you settle, no penalty is added, and the amount returns to your available limit right away.
• Set a repayment window that suits how you earn — anywhere between 91 and 365 days.
• Leave the limit alone and pay nothing. Keeping it open carries no maintenance fee.


WHAT IT COSTS

• Interest: 0.05% per day, charged only on the portion you have drawn
• Maximum APR: 18.25%
• Repayment window: 91 to 365 days
• Maximum credit limit: ₹2,00,000
• Processing fee: none
• Penalty for repaying early: none


A SAMPLE REPAYMENT

Suppose your approved limit is ₹50,000 and you draw ₹20,000 for 180 days.

Each day of that draw costs ₹10 in interest (₹20,000 × 0.05%). Over 180 days the interest totals ₹1,800, so ₹21,800 settles the draw completely.

Close the same draw at 90 days instead and the interest is only ₹900 — ₹20,900 in total — and the full ₹50,000 is once again available to draw from.


FROM APPLICATION TO TRANSFER

The whole process is handled inside the app:

1. Complete your profile — your background, your work and your income.
2. Verify your identity with your PAN number and a photograph of your PAN card.
3. Nominate up to two emergency contacts.
4. Receive the limit your assessment produces.
5. Choose the amount and your repayment date, confirm the bank account, and the money is transferred to it.


WHO CAN APPLY

• Aged 18 or above and living in India
• A PAN card registered to you personally
• A bank account held in your name

Each limit is worked out individually, so the amount offered to you reflects your own profile and can be smaller than the figure quoted above.


HOW WE TREAT YOUR INFORMATION

Everything you type is encrypted on the device itself before it leaves your phone, and travels over a secure connection to servers operated by us. The only uses are assessing how much you can borrow and meeting our legal obligations. We never sell your personal information, and no third party receives it for advertising purposes.


CONTACT

Questions about a repayment date, the status of an application, or anything else on your account? Write to [e-mail].

FlexeRupee: Credit Line is provided by Pixel Technology LLC.