01
Review begins on arrival
The automated assessment starts immediately after submission and returns a clear decision without branch queues or callback rounds.
A credit reserve shaped around your timing
Start with clarity. Grow with Vrish.
Vrish keeps approved capacity visible, costs readable, and repayment choices firmly in your hands. Complete one digital review, draw only what the moment requires, and keep unused capacity ready without charge.
VrishStart with Growth, End with Success
Approved credit lineINR 3,000 – INR
50,000
Daily usage
rate0.065%up to per day
Minimum loan term91 daysat least
Maximum APR23.73%annualized
A balanced account view
Six controls, organised in one clear ledger
From review to restored capacity, every step keeps the amount, timing, and cost easy to understand.
02
Draw only the needed sum
Choose an exact amount inside the approved limit and leave the remaining capacity available for another moment.
03
See the complete amount due
Principal, daily interest, and total repayment appear together before you confirm a draw.
04
Close sooner to reduce cost
Interest stops when the balance is settled, and no early repayment penalty is applied.
05
Safeguards run continuously
Encryption, controlled access, and ongoing monitoring protect information in transit and at rest.
06
Capacity returns after settlement
Full repayment restores the approved limit immediately without another application or identity review.
Credit line details
Terms arranged for quick comparison
The operating range, minimum loan term, daily rate, and APR sit together before you decide to draw.
Available range
Choose the amount that matches the present need.
Release any figure from INR 3,000 to INR 50,000 within the approved limit. Capacity that is not drawn remains available without charge.
Credit Line RangeINR 3,000 – INR 50,000
91
Minimum Loan Term
Each draw carries a minimum loan term of 91 days, according to the schedule confirmed in the app.
APR
Rate register
The Daily Usage Rate is up to 0.065% per day, with a Maximum Annualized Rate (APR) of up to 23.73%.
Cost illustration
A fixed example, shown as one equation
The calculation is illustrative and demonstrates how the stated daily rate accumulates across the selected period.
INR 10,000Amount Drawn
×
0.065%Daily Rate
×
100 daysUsage Period
=
INR 650Interest
Total RepaymentINR 10,650
Interest is calculated daily on the unpaid balance. A smaller draw, earlier settlement, or part-payments can reduce the final cost.
Eligibility requirements
Three checks before access is granted
Vrish confirms legal age, accepted identification, and profile eligibility before the credit line becomes available.
Be at least 18 years of age
You must be legally able to enter a credit agreement under Indian law.
Hold an accepted identity document
Aadhaar, PAN, Passport, or an equivalent current government-issued document is required.
Pass the Vrish assessment
An automated and impartial review confirms that the submitted profile meets the applicable credit standards.
Customer support
Assistance throughout the account journey.
From the first application question through final repayment, every message is handled by a person who understands Vrish and responds promptly.