Know Your Limit in 2 Minutes
Our AI-powered eligibility engine analyzes 200+ data points to determine your personalized credit limit — instantly, securely, and with zero impact on your credit score.
What Our Engine Evaluates
We go beyond just your credit score. Our proprietary AI model evaluates a comprehensive set of signals.
Identity Verification
Aadhaar eKYC and PAN verification to confirm your identity securely and instantly.
Credit Bureau Data
We pull your credit report from CIBIL, Experian, and Equifax to understand your borrowing history.
Banking Patterns
Account Aggregator-powered analysis of your bank statements to assess income stability and cash flow.
Employment Profile
Verification of your employment type, employer credibility, and income consistency.
Repayment Behavior
Analysis of existing loan repayments, EMI discipline, and overall debt-to-income ratio.
Alternative Data
Device signals, digital footprint, and behavioral patterns for a more inclusive assessment.
4 Simple Steps
Enter Basic Details
Provide your name, mobile number, PAN, and Aadhaar for instant digital KYC verification.
Authorize Data Access
Grant consent for credit bureau check and bank statement analysis via Account Aggregator.
AI Assessment
Our proprietary engine evaluates 200+ data points using machine learning models in real-time.
Get Your Result
Receive your credit limit, eligible tenure options, and personalized interest rate instantly.
Frequently Asked Questions
Will checking eligibility affect my CIBIL score?
No. Our initial eligibility check is a soft inquiry that does not impact your credit score. A hard inquiry is only made when you formally apply for a loan after reviewing the terms.
What is the minimum CIBIL score required?
While we consider profiles with a CIBIL score of 550 and above, our AI engine evaluates over 200 data points beyond just credit score — including income patterns, employment stability, and digital behavior — to make more inclusive lending decisions.
I'm new to credit. Can I still check eligibility?
Absolutely. KASHJET is designed to serve new-to-credit individuals. Our alternative data assessment enables us to evaluate borrowers without a credit history and offer them their first formal credit line.
How is my credit limit determined?
Your credit limit is calculated based on your income, existing debt obligations, credit history, employment stability, and our proprietary risk score. Limits range from ₹2,000 to ₹2,00,000 and can increase with consistent repayment behavior.
Can I check eligibility multiple times?
Yes. You can check your eligibility as many times as you like without any impact on your credit score. Your eligibility may change over time based on your financial profile.