UrbanGullak

UrbanGullak serves as an intuitive digital ledger, reframing how users supervise credit cards and personal financial commitments. Designed to bring total clarity to daily transactions, this tool assists you in auditing card usages, scheduling repayments, and maintaining optimal control over your liquidity. Eliminate oversight risks—organize your card portfolio and keep complete visibility over your financial commitments in one unified place. Comprehensive Management Modules: ● Card Portfolio & Expense Ledger: Catalog active credit lines and manage personal loan records seamlessly. Map out statement deadlines, categorize everyday purchases, and maintain a clear, chronological history of cash movements. ● Spending Behavior Insights: Gain immediate visual breakdowns regarding monthly budget allocations. The platform evaluates your logged activities across retail, travel, and dining to help identify cost-cutting opportunities and maximize savings. ● Centralized Status Overview: Review all active limits, card balances, and upcoming due dates in a consolidated operational board. Cultivate responsible money habits through proactive repayment scheduling. Customizable Loan Parameters & Analytics (User-Input Driven): ● Credit Boundary Auditing: Record and organize personal credit allocations capping at ₹50,000. ● Duration Assessment: Evaluate structured repayment plans with a base timeline starting at 6 months (180 days minimum). ● Interest & Rate Computation: Calculate daily financial impact starting from a baseline rate of 0.1% per day (final terms vary according to individual credit profiles). ● Institutional Partner Registry: Keep track of credit products issued by legitimate, RBI-compliant Non-Banking Financial Companies (NBFCs) and institutional lenders. *(Notice: UrbanGullak is a self-logging credit & expense manager. T&Cs apply. Credit allocations up to INR 50,000. Facilities approved and sanctioned by registered financial partners based on individual eligibility. We do not extend direct loans or credit approvals.) System Requirements & Guidelines: ● User Eligibility: Exclusively available to Indian citizens aged 18 or above. ● Identity Authentication: Verification via registered mobile number is compulsory for profile setup. ● Legal Terms: App installation signifies explicit consent to our Terms of Service and Privacy Guidelines. Customer Support: Have questions or require guidance? Connect with our help desk at: [email protected]