KreditBee Instant Personal Loan App Online Loan

KreditBee is an Instant Personal loan App & Credit platform for young professionals across India. You can apply online for an Instant Personal loan and receive up to Rs2 Lakh in Direct Cash Transfers to your Bank Account.

KreditBee facilitates loan transactions between borrowers and NBFCs/Banks. All loan applications are approved by the NBFCs/Banks that have been registered with RBI. This information is communicated to the borrower during Loan Application.

Amount of loan: Rs1,000-Rs200,000Interest rates: 0% to 29.95%
Tenure: 62-to-15 months

Krazybee Services Private Limited, one of our primary NBFC partners – is a Systemically Important Financial Corporation (SIFC) within the KreditBee group.

Loan Types

Flexi Personal loan

This flexible loan option allows you to get loans in as little as 10 minutes via direct bank transfer. To avail Rs1,000-Rs50,000 in a term ranging from 62 to 6 months, all you need is your passport and proof of address.

Personal Loan for Salaried

This personal loan option allows you to borrow amounts between Rs10,000 and Rs2 Lakhs via direct bank transfer. The tenure can be from 3 to 15 years. You only need your PAN Card and Address Proof, as well as your Salary Proof.

Online Purchase loan

This loan option allows you to buy anything now, and pay later in EMIs . This option allows you to use E-vouchers from KreditBee App to get a loan, buy on KreditBee partner platforms such as Flipkart, Amazon, and many other things, and then pay later with EMIs.

Personal Loan for Salaried Example:

Loan amount Rs. 50,000.

Tenure: 12 Months

Interest Rate: 20%

Processing Fee: Rs. Processing Fee: Rs.

Onboarding fee for new customers: Rs. 200

GST on Processing and Onboarding Fees – Rs. 261

Total Interest: Rs. 5,581

EMI: Rs. 4,632

APR: 23.2%

The loan amount is Rs. Rs. The amount disbursed is Rs. 48,289. The total amount of the loan repayments is Rs. 55,581

Example of a Flexi Personal Loan:

The loan amount is Rs. Loan amount: Rs. 10,000

Tenure: 3 Months

Interest rate: 27% annum

Processing Fee: Rs. Processing Fee: Rs.

GST on Processing Fees: Rs. 90

Total Interest Rs. Total Interest Rs.

EMI: Rs. EMI: Rs.

APR: 47%

The loan amount is Rs. Rs. 10,000 The amount disbursed is Rs. 9,410 The total amount of the loan is Rs. 10453


2. 2. Rapid approval

3. Bank transfer immediately


1. Indian resident

2. 2.

3. Must have a monthly source of income

How do I get started

1. 1.
2. 2. Create an account

3. To check your eligibility for the first level, please fill in the following details

4. Upload KYC documents: ID, Address Proof, & PAN card

5. As per your request, you can apply for a loan via bank transfer or E-voucher

Fees and Charges

Interest rates range between 0%-29.95% and an equivalent monthly rate of 0%-2.49.

For loans, e.g. For low-risk customers, 0% to 3% of principal is charged. For very high-risk customers, 2.5% to 7%*.

KreditBee charges a one-time fee of Rs20 to Rs350 for onboarding and during upgrades, depending on the risk profile.

*Repayment terms and charges will vary depending on the creditworthiness of customers. If someone fails to pay their due date, they will be subject to a penalty.

Different products have different APRs. This is based on the risk profile of customers. There are three types of personal loan APRs: Low-risk customers have a 0% to 36% rate, medium risk customers have 18% to 39%, high risk customers have 24% to 42%, and very high-risk customers have 24% to 70%.