OrhanLine - Personal Credit

OrhanLine keeps a ready revolving credit line available for moments when timing matters. After one profile review, your approved limit remains open in the app until you decide to draw. You pay nothing for the unused portion, and interest applies only to the amount you actually use for the days it stays unpaid.
Each draw is controlled by you: choose the amount, review the cost, confirm only when the figures are clear, and repay on the schedule that fits you. Once the outstanding balance is cleared, the approved limit becomes available again immediately, subject to your current account standing.
Key Features
Fast Review, Clear Reply
Apply from any location and let OrhanLine check your profile right away. The automated assessment returns a credit decision quickly, avoiding branch visits, long queues, and repeated callbacks.
Choose Only What You Need
Take the exact amount required for the present situation and leave the unused balance untouched. The remaining approved limit stays ready for a later need instead of being locked into one fixed package.
Charges Shown Before Confirmation
Before a draw goes through, OrhanLine displays the daily rate, total interest, and final repayment amount in clear figures. You see the full breakdown first, with no hidden charges or fine-print surprises.
Earlier Settlement Can Lower Cost
Paying before the planned date can reduce the interest you owe. There is no early repayment penalty, so clearing the balance sooner means the total cost can be lower.
Protection Running at Every Layer
Your information is protected while moving, while stored, and while your account is accessed. Encryption, role-based permissions, and continuous automated monitoring work around the clock.
Limit Opens Again After Repayment
After your outstanding balance is repaid, the full approved credit limit is restored immediately. No fresh application, no resubmission, and no waiting period are required.
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%
When your outstanding balance is repaid, your limit resets automatically to the complete approved amount and can be used again immediately, subject to your current account standing.
Cost Illustration
This example is only for illustration and shows how interest can accumulate at a daily rate during a common 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 final repayment depends on the amount you draw and the exact number of days it remains outstanding. Repaying sooner can reduce the overall cost.
Eligibility Requirements
• Be at least 18 years of age — You must be legally of adult age to enter into a credit agreement under Indian law.
• Hold a valid government-issued ID document — A current, verifiable document issued by Indian authorities, such as Aadhaar, PAN, Passport, or equivalent, is required to verify your identity.
• Pass OrhanLine's eligibility assessment — Our standardized and neutral review confirms that your profile meets our credit standards before credit line access is approved.
Customer Support
Whether you are just starting with OrhanLine or already managing an active account, our support team is ready to help with setup questions, repayment guidance, and account-related assistance.
Customer service email: [email protected]