ManthanLoan keeps a dedicated revolving credit line available for approved users, ready in the app at no cost while the limit sits unused. One profile review sets the usable limit, and the facility waits until you choose a draw.
Interest is applied only to the amount you take and only for the days it remains unpaid, so the draw size and repayment timing stay in your hands.
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Each step is arranged so you can understand timing, amount, cost, security, and future availability before moving ahead.
Apply from your phone and let ManthanLoan begin the automated profile review once your information reaches the system. The process avoids branch counters, long queues, and repeated callbacks, returning a clear credit decision in minutes so you can move to the next step.
Select the amount that matches the present need instead of accepting a preset package. Use only what you choose within the approved limit, and keep the remaining facility untouched for later.
Before any draw is approved, ManthanLoan shows the principal, daily interest rate, and final repayment total in plain figures. What appears before confirmation is what you owe, with no extra charge hidden inside fine print.
Settling a balance before the planned end shortens the number of interest days. ManthanLoan applies no early repayment penalty, so earlier payment can lower the total cost.
Your information is protected while moving through storage, transmission, and account access. Enterprise-grade encryption, role-based controls, and continuous monitoring work together around the clock.
Once your outstanding balance is repaid, the full approved limit is restored without a new application, resubmission, or waiting period. The facility becomes usable again after repayment clears, subject to current account standing.
Once you repay the outstanding balance, your credit limit resets automatically to the full approved amount and becomes available again immediately, subject to your current account standing.
The example below is purely illustrative and shows how interest at a daily rate can accumulate over a typical usage period.
INR 10,000 x 0.065% x 100 days = INR 650. Your actual repayment depends on the amount drawn and the exact number of days it remains outstanding. Repay earlier to reduce your total cost.
Eligibility is reviewed before access is opened, and the same required identity and age facts remain in place.
You must be legally of adult age to enter into a credit agreement under Indian law.
A current, verifiable identity document issued by Indian authorities (Aadhaar, PAN, Passport, or equivalent) is required to confirm your identity.
Our consistent, impartial review confirms your profile meets our credit standards before access to the credit line is granted.
Whether you are new to ManthanLoan or an existing user, our support team is ready to help with account setup questions and repayment guidance.