Features of My Credit Line

INDIE is a mobile banking app from IndusInd Bank that allows users to register and manage their personal loan accounts. Once registered, users can view loan details, outstanding amounts, EMI schedules, and make payments.

To register, you need to use your Aadhaar details if you have an active personal loan account. Follow the prompts on the INDIE by IndusInd Bank mobile banking app for verification.

Once registered, you can view key details like your outstanding loan amount, EMI schedule, rate of interest (ROI), overdue amounts, and other loan account specifics.

While the feature to download loan statements is not yet live, it will be made available shortly. Currently, you can view all important loan details directly in the app.

Yes, users can view overdue amounts and make payments directly through the INDIE by IndusInd Bank mobile banking app.

Currently, we don't allow personal loan booking through INDIE by IndusInd Bank mobile banking app.

Simply use your registered mobile number to log in. You’ll receive an OTP to verify your identity, after which you can set a new password for future logins.

No action is required! Your investment data, including all mutual funds and portfolio details, will automatically migrate to INDIE by IndusInd Bank mobile banking app. Just log in, and your data will be ready to access.

INDIE by IndusInd Bank mobile banking app  introduces a native login system for faster access, an enhanced dashboard for better investment tracking, and expanded financial products like mutual fund comparison, Line of Credit, and personalized investment insights.

Navigate to the Investments section of the Investment Dashboard, where you’ll find an option to compare mutual funds. You can view fund performance, risk levels, and historical returns side by side, helping you make an informed decision.

Yes, you can! INDIE by IndusInd Bank mobile banking app  allows you to link and manage multiple financial accounts—such as savings, loans, and credit cards—along with your investment portfolio, all in one place.

You can track the performance of your investments through the Investment Dashboard. The app offers detailed analytics, including performance graphs, historical data, and insights into how your investments are doing over time.

INDIE by IndusInd Bank mobile banking app  offers a variety of mutual fund options, including:

• Equity Funds: For higher-risk, high-reward long-term investments.
• Debt Funds: For lower-risk investments with stable returns.
• Balanced Funds: A mix of equity and debt for a balanced approach.
• Tax-Saving ELSS Funds: Designed to provide both investment growth and tax benefits.

You can open a mutual fund account with just a few taps. Go to the Investments section, select Mutual Funds, and follow the on-screen instructions to open a new account and start investing.

INDIE by IndusInd Bank mobile banking app  allows you to set personalized financial goals under the Goal Setting feature in the Investment Dashboard. Based on your goals (e.g., retirement, children’s education), the app will suggest suitable investment strategies and funds.

The minimum investment amount varies depending on the mutual fund provider, but generally starts from ₹500. You can see the minimum required investment on the fund’s details page before committing.

To redeem your mutual fund units, go to the Investments section, select the fund you want to redeem, and click Redeem. The app will guide you through the redemption process, including showing you the estimated value and processing times.

After logging in to INDIE by IndusInd Bank mobile banking app , you can find the Investment section on the main dashboard. It is clearly marked as “Investment” and offers quick access to your entire financial portfolio, including investments, mutual funds, and more.

INDIE by IndusInd Bank mobile banking app  follows advanced security protocols, including two-factor authentication, end-to-end encryption, and biometric authentication (if supported by your device) to ensure that your financial data is fully protected.

Yes, NRIs can invest in mutual funds through INDIE by IndusInd Bank mobile banking app . The app supports NRI account holders and offers investment options tailored to the needs of NRIs, with full access to the same tools and features as resident account holders.

INDIE by IndusInd Bank mobile banking app  brings you a superior experience compared to IndusMobile, offering a faster, more secure, and smarter platform. Whether you’re managing your savings, comparing funds, or applying for loans, INDIE Investment has everything you need—all in one place.

Yes, you can link your other bank accounts which support UPI functionality.

You can transfer up to ₹1 lakh cumulatively via up to 10 transactions to non-merchant accounts and up to ₹2 lakhs cumulatively to specific merchants daily.

However, there is a 24-hour cooling-off period after registering for UPI. Within the cooling off period, you can transfer up to ₹5000 cumulatively via up to 5 transactions to both non-merchant and merchant accounts.  After 24 hours, the transaction limit increases to the standard UPI limits.

There is no charge on UPI transactions.

UPI number is the new payment address introduced by NPCI. You can link UPI number to your UPI ID and receive funds through UPI Number. You can either create your 10-digit mobile number as UPI number or random 6-9-digit number.

No UPI number can only be linked to single UPI ID. You have the option to port your UPI number and link it to another UPI ID.

Please go to “Activate UPI” on the home page to register for UPI.

On the home page, please go to “Manage UPI” > “My UPI Transactions” > “View All”.

On the home page, please go to “Manage UPI” > “My UPI Transactions” > “View All” 

Select the transaction for which you want to raise a dispute. Click on “Raise Dispute” option at the bottom.

On the home page, please go to “Manage UPI” > “My mandates”. Here you can view as well as approve all the pending mandates. 

The user is eligible for 200 INDIE gems on execution of only the first payment via INDIE UPI mandate setup on IndusInd Bank Savings account.

For example: if a user automates subscription for Google play store, 200 gems will be credited to the user’s account within 72 hours of execution of only the first payment via INDIE UPI mandate. If the user enables UPI mandate on any other platform after execution of the first UPI mandate, it will not be eligible for 200 gems. 

• Add your *INDIE UPI* handle as the mode of payment on the subscription platform. 
• Select your *INDIE UPI* handle to pay for your subscription.
• Go to *manage UPI* Section on INDIE by IndusInd Bank mobile banking app .
• Scroll to *'My Mandates'* and click on *'Approve'.

On the home page, please go to “Manage UPI” > “My Payment Requests”. You could either Pay, Decline or Mark as SPAM any request

With a Personal loan, the customer must withdraw the entire amount as loan at once. My Credit Line by INDIE by IndusInd Bank mobile banking app  allows the customer to take multiple loans (draw-downs) from the approved limit, multiple times. The entire process of application, repayment, servicing for the loans taken is digital in nature.

Approved Credit limit can vary from ₹10,000 to ₹5L. There can be two scenarios:

• Pre-approved limit: For eligible customers, there is a pre-approved limit offer on the App. Such customers can accept this approved limit and activate the LOC, and then can withdraw as per their needs.
• Real time approval: For other customers, my Credit Line offer may not be pre-approved on the App. Such customers have to apply for it on the App, and eligible credit limit is shown to the customer in real time, once approved.

You can activate your credit line by clicking on the Credit Line icon to check your eligibility. If you are eligible, then you can set up the auto payment and activate your credit line.

There are no charges for Credit line activation. Only when you draw-down the amount in your Savings account, a processing fee would be charged. IndusInd Bank will inform the customers upfront about any charges/ fees that may get charged later on such usage.

You can cancel a loan within 3 days of getting the amount in your IndusInd Bank account. Post 3 days, cancellation cannot be done.

You can get money from your activated Credit Line by simply going to “Credit Line” > “Take Money” > Enter the amount that you wish to draw-down> Choose EMI plan> Review Loan details & acknowledge KFS by OTP, post which funds would be disbursed in your linked Saving Account on real time basis.

The Debit Card Management Module is a feature within our mobile app that allows users to monitor and control their debit card transactions, settings, and security features in real-time.

Anyone with a debit card linked to an active bank account can use this module.

You can easily lock or unlock your debit card through the app. Simply navigate to the debit card section, select the lock/unlock option, and follow the prompts.

Yes! The module allows you to set customizable spending limits on a daily, weekly, or monthly basis to help you manage your budget effectively.

If your card is lost or stolen, instantly lock it through the app to prevent unauthorized transactions. You can then request a replacement card directly from the app. 

On the app, check your card controls under Card Settings. Ensure that your card controls are on. In case it still doesn’t work, reach us at the INDIE call contact center. 

 For any further queries or support, feel free to contact our customer service team through the app or website. We're here to help you manage your finances effortlessly!

Create a one-time use disposable card on the app for unsecured websites. The card is valid only for 1 transaction and for 24 hrs.

Virtual card can be used for all online and recurring transactions.

Super PIN and Super OTP are valid for 2 mins and you can generate them if you have forgotten your ATM PIN or you are currently in a low network zone.

The physical card will not have any number printed for additional security. You will be able to see the debit card number and other details inside the application.

The physical card will not have any number printed for additional security. You will be able to see the debit card number and other details inside the application.

Besides this, only if you are a full KYC customer, you would be able to get access to Line of Credit and Fixed Deposits.

You can complete your video KYC process from the INDIE app itself to convert your account to full KYC. Alternatively, you can also visit nearest IndusInd Bank branch to complete your full KYC. For other savings account variants, please visit the nearest branch for conversion.

IndusInd Bank Savings Account on INDIE comes with the following benefits:

• Up to 6.75% per annum interest on Savings Account
• Up to 3% rewards on favorite brands on spends with Debit card
• Complimentary free lifetime Virtual Debit card
• No minimum Balance requirement

Debit card and ATM charges

Payments & Transactions

Foreign Exchange Remittance

Cheque Books

*Charges for Non-financial txns and Cash Withdrawals for Other Bank ATMs outside India for Signature Debit Card are applicable from 1st Dec 2023.
These are only charges you see. Nothing Else

You can become a Megastar either by doing a funding of ₹50,000 or more or by earning the minimum threshold INDIE Gems on the app. Similarly, you can become a Superstar by doing an funding of ₹25,000 to ₹49,999 or by earning the minimum threshold of INDIE Gems.

Effective 1st April 2024, following are the funding conditions to upgrade to Megastar:

Option 1: Fund the INDIE account with  ₹50,000 or more in one single transaction within first 30 days of account opening.

Option 2: Maintain a minimum average balance of₹2 lakhs (Savings + FD) or ₹50K(Savings) in any calendar quarter post the quarter in which customer has on boarded. There are 4 quarters in a calendar year - Jan to Mar, Apr to June, July to Sept, Oct to Dec.

E.g. If a customer got on boarded on 5th Nov 2023, and has not been upgraded to Megastar till 31st March 2024, only if the customer maintains quarterly balance (as defined above) for April to June period (or any other subsequent quarter), would the customer get upgraded to Megastar.

Effective 1st April 2024, following are the funding conditions to upgrade to Superstar:

Option 1: Fund the INDIE account with ₹25k or more in one single transaction within first 30 days of account opening.

Option 2: Maintain a minimum average balance of ₹1 lakh (Savings + FD) or ₹25k (Savings) in any calendar quarter post the quarter in which customer has on boarded. There are 4 quarters in a calendar year - Jan to Mar, Apr to June, July to Sept, Oct to Dec.

E.g. If a customer got on boarded on 5th Nov 2023, and has not been upgraded to Superstar till 31st March 2024, only if the customer maintains quarterly balance (as defined above) for April to June period (or any other subsequent quarter), would the customer get upgraded to Superstar.

Yes, you can set autopay for your bills if the functionality is provided by the biller. However, few billers do not provide auto pay functionality. 

After paying any bill, Auto pay option will appear on the success screen for billers which provide auto pay option or you may go to “My Billers” section and set up autopay on eligible billers.

If the user selects auto pay, user will be asked to select amount range for which auto pay will be applicable. If the bill amount is greater than the auto-pay set limit or the user doesn't have enough balance in the savings account which has been selected to make the payment, then the transaction will be declined. 

At present, there are 3 amount range options available – up to ₹5,000, up to ₹25,000 and up to ₹1,00,000. Some billers allow to fill in a maximum limit for auto pay, letting users choose any amount. These are subject to change in future.

No, currently bill payment can only be executed through IndusInd Bank Savings Account on INDIE.

Auto pay facility can be managed through “Pay Bills” > “My billers” section

You can raise dispute from “Pay Bills” > “My transactions” section

You can see all the registered billers in “Pay Bills” > “My Billers” section

You can see all the pending payments under “Pay Bills” > “My Billers” section 

Any auto-payment that is set will automatically be done 3 days before the due date. Please note, that if you have just made the payment, and then set the auto-pay, and the bill was already in the due window, then the amount will be deducted again. In this case, the amount will be settled in the next billing cycle by the biller

Customer can earn up to 1000 INDIE gems every calendar month. A reward will be applicable once a month for each unique bill. For example, if a customer has a credit card, say, IndusInd Bank Credit Card, he/she can earn up to 100 INDIE Gems on that card. 

Gems will be credited into your IndusInd Bank Savings Account within 72 working hours of the transaction. Only Bill payments done through INDIE Savings Account from Bill payments section of the app are eligible for rewards 

Reward will be applicable only on the mentioned bill categories: Credit Card, Mobile postpaid, Insurance, Loans, FASTag and Electricity bill when payment done via the INDIE Savings Account

• Rewards for Megastar: 100 gems per transaction and a maximum of 1000 gems in a month on paying bills of mentioned billers. 
• Rewards for Superstar: 50 gems per transaction and a maximum of 500 gems in a month on paying bills of mentioned billers. 
• Rewards for Star: 25 gems per transaction and a maximum of 200 gems in a month on paying bills of mentioned billers. 
• Minimum transaction amount eligible for reward: ₹500  

Customer can earn up to 500 INDIE gems every calendar month.  A reward will be applicable once a month for each unique bill. For example, if customer has a credit card, say, INDUSIND Bank Credit Card, he/she can earn up to 50 INDIE Gems on that card.

Gems will be credited into your INDIE account within 72 working hours of the transaction. Only Bill payments done through IndusInd Bank Savings Account from Bill payments section of the App are eligible for rewards. Reward will be applicable only on the mentioned bill categories: Credit Card, Mobile postpaid, DTH, Mutual Fund, Loans, FASTag and Electricity bill 

• Rewards for Megastar: 50 Gems per transaction and a maximum of 500 Gems in a month on paying bills of mentioned billers. 
• Rewards for Superstar: 25 Gems per transaction and a maximum of 200 Gems in a month on paying bills of mentioned billers. 
• Rewards for Star: 25 Gems per transaction and a maximum of 200 Gems in a month on paying bills of mentioned billers. 

Minimum transaction amount eligible for reward: ₹500

A user can earn 200 Gems on execution of only the first auto payment on INDIE, which can either be bill autopay, UPI mandate or fund transfer. This is applicable for only INDIE Savings account users.  

For example: If the user enables auto payment on electricity bill, 200 Gems will be credited in the user’s account within 72 hours of execution of the first auto payment. But if the user enables auto payment on any other category like mobile postpaid after the execution of first autopayment, it will not be eligible for the 200 Gems. 

Note: Users making DTH and Mutual Fund payments starting 24th April 2024 will only be eligible for gems on these bill payments. Bill payments made till 23rd April 2024 for DTH and Mutual fund are not eligible for gems.

The Fund Transfer Section on the INDIE mobile app allows users to send and receive money using various methods like IMPS, NEFT, RTGS, Quickpay and recurring transfers making transactions convenient and secure.

Our app offers IMPS for instant transfers, NEFT for batch payments, RTGS for high-value transactions, Quick Pay for rapid transfers, and options for recurring transfers.

IMPS (Immediate Payment Service) allows you to transfer money instantly, 24/7. Just select the recipient, enter the amount, and your money will reach them in real-time.

NEFT allows for batch processing of transactions and is not real-time, whereas RTGS facilitates real-time, immediate transfer of high-value transactions. RTGS is typically used for amounts greater than ₹2 Lakhs.

Navigate to the Beneficiary Management section, select 'Add Beneficiary,' enter the required details (like name, account number, and IFSC code), and save. You can also delete a beneficiary anytime.

Yes! The Recurring Fund Transfers feature allows you to set up automated payments for things like rent or other payments, so you never miss a due date.

Transfer limits can vary based on the method used (IMPS, NEFT, RTGS) and your daily limits.

You can retry the transfer or check for any error messages. If issues persist, please reach out to customer support for assistance. 

For any further questions or assistance, feel free to contact our customer support team through the app or our website. We're here to make your financial transactions as smooth as possible!

Our Loyalty Program rewards users for engaging with the app through various activities. You earn points that help you progress through different tiers, unlocking additional benefits and cashback rewards.

The tier system allows you to progress from Star to Megastar by accumulating points through transactions, referrals, and app engagement. Higher tiers offer increased benefits and rewards.

You can earn points through transactions, referring friends and using app features regularly. Each activity contributes to your overall points balance.

Points can be redeemed for cashback, discount vouchers, gift cards, flights bookings, hotel booking and more. You can view and manage these options in the rewards section of the app.