The Narayani Credit is designed to serve both new and existing users. New users can register directly through the app, while existing users can log in to view their digital passbook, which provides a complete record of transactions and payment histories.

A standout feature of the app is the installment tracker, enabling users to keep track of their payments. This tool provides clear visibility of both upcoming and past installments, ensuring users can manage their financial responsibilities effectively. The app also includes an EMI calculator, which helps users calculate their monthly payments and manage their finances more efficiently.

Additionally, the app offers a secure document upload feature. Users can submit important documents, directly from the app, ensuring their profiles remain updated. While profile details cannot be edited in the app, the document upload functionality ensures all necessary paperwork is efficiently handled.