Kreditech Personal Loan

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About Kreditech Personal Loan

Kreditech Financial Services Private Limited (KFSPL) is a Non Banking Financial Company in India. It is a wholly owned subsidiary of Kreditech which is a Germany based digital lender.

Kreditech is a one-of-its-kind, new age lender in India that extends highly customised digital lending and app-based financing for customers based in Mumbai and Delhi.

You can apply for Kreditech Personal Loan and POS loan from the comfort of your home, without a need to visit the branch. The alternative Loan by Kreditech is swiftly processed securely online.

Kreditech India is based in Mumbai. The RBI licensed the NBFC in 2018.

The company is headquartered in Hamburg, Germany.  Besides, it has a presence in countries like Poland, Russia, and Spain. The Fintech-investors of Kreditech are PayU, JC Flowers, Värde Partners, Blumberg Capital, HPE, World Bank's IFC, Thiel Capital, and Rakuten.

Kreditech Personal Loan Interest Rate - Feb 2021

Interest rate

26 %

Loan tenure

3 Years

Loan turn around period

1-7 Days

Processing Charges

2 % of loan sanctioned + Taxes

Who can apply?

Self-employed professionals

Salaried individuals

Indian residents

Dishonour Charges

750 per instance

Lowest EMI

 4,029  Per Lakh

Benefits & features of Kreditech Personal Loan

Kreditech offers customised loans to borrowers, strictly based on their creditworthiness. The eligibility for credit is assessed by combining new age data sources and machine learning. The loans by Kreditech are not dependent on your credit score and other traditional channels of credit rating.

The FOIR (Fixed Obligation to Income Ratio) Multiplier is calculated as 50% deduction of salary + Existing EMIs.

The Rate of Interest is competitive at 18%-24% per annum.

The Processing Fees on Loan is 2% on the disbursed amount.

Kreditech Personal Loan: Eligibility criteria

Eligibility for Kreditech Personal Loan is assessed by combining modern data sources including your social activity and spending & earning history. With Kreditech Personal Loan you are not solely dependent on your CIBIL rating. The eligibility criteria can be summarized as:


Delhi & Mumbai


Minimum of 20,000

Work experience

At least 1 year


23 years or above


650 or more

Why apply for Kreditech Personal Loan?

Kreditech is an alternative lending platform and extends freedom to borrow to unbanked borrowers. Apply for Kreditech consumer loan if you are looking for the following:

  • Highly customised Loan;
  • Which is processed really fast;
  • Accessed digitally from your Mobile/ Laptop;
  • Without any hassle;
  • & without worrying about safety & security.

Besides you also get:

  • Access to online banking.
  • Low dependency on your credit score for loan approval

How to apply for Kreditech Personal Loan?

It is easy to apply for Kreditech Personal Loan on

All you need to do is click on 'Personal Loan' tab on the Home page and share your loan requirements. As you share your interest to avail a Personal Loan, an OTP is generated and sent to you on your mobile number.

By filling in the OTP, access exclusive personal loan listing page on the website. Here, you can either directly apply for Kreditech Personal Loan or compare various loans and interest rates.

Besides, a loan representative will call you and assist you at every step. We extend customised loan help to borrowers. We ensure a hassle free loan processing and disbursal by reaching out to the borrowers.  Our services are free of cost.

FAQs - Kreditech Personal Loan

What all products does Kreditech offer in India?

Ans: Kreditech India offers online consumer credit backed by modern data.  The new age lender offers highly personalised direct-to-consumer loans such as Personal Loan and POS Loan, besides lending-as-a-service solution (LAAS) for partners.

Kreditech offers access to better credit and convenience for digital banking aspirants.

What are the top features of Kreditech Personal Loan?

Ans: Kreditech Personal Loan is fast, hassle-free, and highly customised Loan.

How does my credit rating affect my loan approval?

Ans:You can avail Kredittech Personal Loan at CIBIL Score of 650 and above. Besides your credit rating, other unconventional data sources and machine learning determine your loan eligibility.

What are Kreditech customer care contact details?

Ans: You can contact Kreditech India at the following address:

Kreditech Financial Services Pvt Ltd,

3rd Floor, Part A, Corporate Centre,
Andheri Kurla Road, Andheri (East)
Mumbai - 400059

Kreditech Customer Care Contact Number: +91 2262593700 (for complaints)

You can contact this number on all working days between 10 A.M. to 7 P.M. The service is not available on national holidays.

Email at:

What shall I do if my complaint is not addressed?

If you do not get a reply at level 1, contact Kreditech Grievance Officer - Mrs. Sumita Almeida


Tel: +91 2262593700

PO Box No. 17416,
J B Nagar Post Office,
Andheri (East),
Mumbai - 400059

The response is provided within 36 business hours. For follow up, you should wait for 5 business days.

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