Kreditech Personal Loan Details:

Interest rate26 %
Loan tenure3 Years
Loan turn around period1-7 Days
Processing Charges2 % of loan sanctioned + Taxes
Who can apply?Self-employed professionals
Salaried individuals
Dishonour ChargesRs. 750 per instance
Lowest EMIRs. 4,029  Per Lakh

Kreditech Personal Loan Features

  • 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 26% per annum.
  • The Processing Fees on Loan is 2% on the disbursed amount.

Kreditech Personal Loan Benefits

  • Highly customised Loan for customers based in Mumbai and Delhi.
  • Fast processing without any hassle
  • Can be accessed digitally from your Mobile/ Laptop.
  • Safe and secure
  • Access to online banking
  • Low dependency on your credit score for loan approval

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:

LocationDelhi & Mumbai
SalaryMinimum of Rs. 20,000
Work experienceAt least 1 year
Age23 years or above
CIBIL Score650 or more

How to Calculate Kreditech Personal Loan EMI?

You can use MyMoneyMantra Personal Loan EMI Calculator to calculate your Kreditech Personal Loan EMI. To calculate the EMI, you will need just three basic details, i.e. loan amount, interest rate, and repayment tenure.

Kreditech Personal Loan - Customer Care

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: care@kreditech.in

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Kreditech Personal Loan FAQs

✅ What all products does Kreditech offer in India?


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?


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

✅ How does my credit rating affect my loan approval?


You can avail Kreditech 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 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

Email: grievanceofficer@Kreditech.in

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.