We look at how money flows into your account, not who you know. We never use contacts, photos, social media or your college's ranking. Every threshold below is our live rule.
Start
KYC passed and age 18+. Under 18 → a polite block with your own come-back date.
Gate 1 · Credit bureau
Is there an active default on record? No file, a thin file or a clean file all pass. An active unpaid loan → Builder path, re-check in 60 days.
Gate 2 · Cash flow
- Average inflow at least ₹4,000 a month
- At least 3 months of history
- No bounced payment in the last 90 days
Your limit
25% of your average monthly inflow, rounded down to ₹100, kept between ₹1,000 and ₹5,000. You can choose less, never more.
The ladder
3 on-time cycles in a row → 1.5× your starting limit · 6 on-time cycles in a row → 2× your starting limit · 12 → graduate to a credit card offer. Never above ₹10,000. Paused if your inflow drops below ₹4,000, a payment is late, or our risk brake is on.
Every "not yet" comes with
The exact reason, what would change it, and an automatic re-check in 60 days. No dead ends.