KreditBee
- Company typePrivate
- Founded2016
- HeadquartersBangalore, India
- Headcount1,001–5,000
- GTM typeB2C
- OfferingServices
KreditBee firmographics
Firmographics- Name
- KreditBee
- Legal name
- Finnovation Tech Solutions Pvt. Ltd.
- Website
- https://kreditbee.in
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Ownership category
- akta.pro rank
KreditBee industry classification
Industry- Product category
- Consumer Lending
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231), Consumer Lending (522291), Real Estate Credit (522292), Nondepository Credit Intermediation (5222)
- SIC
- Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Consumer P2P Personal Loans (Unsecured) (FSAKAHAA)
- akta.pro secondary industry
- P2P Secured / Collateralized Lending (General) (FSAKAHAJ)
Keywords
Where KreditBee is headquartered
LocationHeadquarters
- HQ city
- Bangalore
- HQ country
- India
- HQ region
- Asia
Offices2 records
Markets served
KreditBee business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Interest Income: Primary revenue stream from interest charged on personal loans, business loans, two-wheeler loans, and loans against property. Interest rates range from 12% to 28% per annum depending on loan type, tenure, and borrower profile.
- Processing Fees: Fees charged for loan processing, including processing fees up to 4.8% + GST for personal loans. Additional fees include foreclosure charges, part-prepayment charges, penal charges, and credit information report fees.
- Platform Services: KreditBee operates as a digital lending platform connecting borrowers with RBI-registered NBFCs and banks. The company earns fees for facilitating loan transactions through its technology platform.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Personal loans from ₹6,000 to ₹10 Lakhs with flexible tenures |
| Transaction based/ take rate | Monthly | Business loans from ₹6,000 to ₹1 Crore |
| Transaction based/ take rate | Monthly | Loan against property up to ₹1 Crore |
| Transaction based/ take rate | Monthly | Two-wheeler loans from ₹10,000 to ₹5 Lakhs |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels5 records
KreditBee product offering
Product offeringCore offering
KreditBee is a digital lending platform operated by Finnovation Tech Solutions Pvt. Ltd. that facilitates loan transactions between borrowers and RBI-registered NBFCs and banks, primarily through its wholly-owned NBFC subsidiary KrazyBee Services Limited. The platform offers instant personal loans (₹6,000–₹10 Lakhs), business loans (₹6,000–₹1 Crore), two-wheeler loans (up to ₹5 Lakhs), and loans against property (up to ₹1 Crore) via a 100% online, 10-minute disbursement process targeting salaried and self-employed professionals across India.
Product overview
KreditBee is a digital lending platform operated by Finnovation Tech Solutions Pvt. Ltd. that facilitates loan transactions between borrowers and RBI-registered NBFCs and banks. The platform operates through its primary RBI-registered NBFC entity KrazyBee Services Limited. The core product portfolio includes Personal Loans (₹6,000 to ₹10 Lakhs), Flexi Personal Loans (flexible credit lines), Business Loans (₹6,000 to ₹1 Crores), Two Wheeler Loans (up to ₹5 Lakhs), and Loans Against Property (up to ₹1 Crores). Additional services include 24K Digital Gold investment, Credit Report access, and a comprehensive suite of EMI and financial calculators. The platform targets both salaried and self-employed professionals with a 100% online application process and 10-minute disbursal. The company serves customers across Tier 2 to Tier 4 cities in India, with 82% of its customer base located in these underserved markets.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Loan Instant unsecured personal loans from ₹6,000 to ₹10 Lakhs with flexible EMIs of 6 to 60 months, 100% online process, 10-minute disbursal, and interest rates of 12-28% p.a. Targeted at salaried and self-employed professionals for urgent personal financial needs.
- Flexi Personal Loan Flexible credit line with a pre-approved limit that borrowers can draw on as needed, with tailored features for self-employed individuals to manage irregular cash-flow needs.
- Business Loan Business loans from ₹6,000 to ₹1 Crore with repayment tenures of 6 to 48 months, designed for SMEs/MSMEs with quick approval, minimal paperwork, and digital disbursal for working capital, inventory, asset purchase, or marketing. Interest rates range from 12-28% p.a. with collateral required and Udyam Registration mandatory for MSME borrowers.
- Two Wheeler Loan Two-wheeler vehicle loans up to ₹5 Lakhs with tenures up to 60 months, secured against the hypothecated vehicle, currently serviceable in Bangalore, Mysore, Telangana, and Tamil Nadu. Interest rates 10-28% p.a. with processing fee up to 4.8% + GST.
- Loan Against Property Secured mortgage loan up to ₹1 Crore with repayment tenures of up to 20 years, interest rates starting from 12% p.a., available across major cities in South India with a login charge of ₹3,000 + GST. Property is taken as collateral.
Companies that use KreditBee
Customer profileNamed customers2 records
Segments3 records
Ideal customer profiles4 records
KreditBee technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
AI capability5 records
Feature3 records
KreditBee partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- KrazyBee Services LimitedcoreKrazyBee Services Limited is KreditBee's RBI-registered NBFC entity that approves and sanctions loans. The company plans to merge its technology subsidiary Finnovation Tech Solutions with KrazyBee Services ahead of its IPO.
- RBI-Registered NBFCs and BankscoreKreditBee partners with multiple RBI-registered Non-Banking Financial Companies and banks to offer loan products. The platform hosts multiple NBFCs who have licenses from the Reserve Bank of India.
Scale indicators12 records
Recent moves5 records
Expansion highlights6 records
KreditBee competitors and assessment
Company assessmentDirect peers
- Money View: Money View is one of the closest Indian digital lending peers, offering instant personal loans, business loans, and credit lines through a mobile-first app targeting salaried and self-employed borrowers. It overlaps directly with KreditBee on product mix, customer segment (young professionals and middle India), and AI-led underwriting model.
- Fibe (formerly EarlySalary): Fibe is a digital lending platform providing salary advances, personal loans, and consumer credit lines via a mobile app to salaried professionals in India. It directly competes with KreditBee on the instant personal loan and credit-line products aimed at young working professionals.
- mPokket: mPokket provides instant personal loans to young professionals and students via a mobile-first platform, with a strong presence in Tier 2-4 India. Its target borrower and digital self-serve model closely mirror KreditBee's historical core user.
- CASHe: CASHe is an AI-driven digital lending platform offering personal loans and credit lines to young salaried professionals and gig workers in India. Its social-credit-style underwriting and product mix overlap directly with KreditBee's personal loan business.
- Slice (merged with North East Small Finance Bank): Slice operates a mobile-first credit card and personal loan product targeting young Indian professionals, and has merged with North East SFB to access a banking license. It is a direct competitor to KreditBee for prime, mobile-first borrowers.
- MoneyTap: MoneyTap offers a flexible personal credit line product on a mobile app, partnering with RBI-registered lenders to underwrite borrowers. Its credit-line structure and partner-NBFC model are very similar to KreditBee's Flexi Personal Loan offering.
- Dhani Loans (Dhani Services / Indiabulls Consumer Finance): Dhani operates an app-based digital lending and consumer finance business offering personal loans, business loans, and credit cards through its NBFC platform. It is one of the larger Indian digital lenders with comparable product breadth to KreditBee.
- LazyPay (PayU): LazyPay is PayU's BNPL and short-term personal credit product offering pay-later and small-ticket loans through merchant and direct-to-consumer channels. It competes with KreditBee for younger, salaried digital-first borrowers seeking instant credit.
- ZestMoney: ZestMoney is a digital consumer credit platform offering EMI-based financing and personal credit lines, historically focused on e-commerce and consumer durable purchases. It is comparable to KreditBee's planned push into consumer durable loans and digital credit products.
Broad incumbents
- Bajaj Finance: Bajaj Finance is India's largest non-bank consumer lender, with dominant positions in personal loans, two-wheeler finance, consumer durable loans, and loans against property. It is a broad incumbent whose product suite overlaps heavily with KreditBee's entire catalog and sets the benchmark for Indian digital retail credit.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
KreditBee social profiles
Digital presenceKreditBee financial estimates
Financial estimateRevenue estimate
Valuation estimate
KreditBee leadership team
Management profileNumber of profiles
Profiles4 records
KreditBee subsidiaries and ownership
Company hierarchySubsidiaries1 record
KreditBee funding detail
Funding detailFunding overview
Funding rounds9 records
Investors17 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
KreditBee M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about KreditBee
What does KreditBee do?
KreditBee is a digital lending platform operated by Finnovation Tech Solutions Pvt. Ltd. that facilitates loan transactions between borrowers and RBI-registered NBFCs and banks, primarily through its wholly-owned NBFC subsidiary KrazyBee Services Limited. The platform offers instant personal loans (₹6,000–₹10 Lakhs), business loans (₹6,000–₹1 Crore), two-wheeler loans (up to ₹5 Lakhs), and loans against property (up to ₹1 Crore) via a 100% online, 10-minute disbursement process targeting salaried and self-employed professionals across India.
Is KreditBee a public or private company?
KreditBee is a private company. It is classified as venture growth investor backed and is currently operating.
When was KreditBee founded?
KreditBee was founded in 2016. It employs 1,001 to 5,000 people.
Where is KreditBee based?
KreditBee is headquartered in Bangalore, India, in the Asia region.
How does KreditBee make money?
Three revenue lines are on record. Interest Income is the primary driver. The others are processing Fees and platform Services.
Who are KreditBee's main competitors?
Direct peers on record are Money View, Fibe (formerly EarlySalary), mPokket, CASHe, Slice (merged with North East Small Finance Bank), MoneyTap, Dhani Loans (Dhani Services / Indiabulls Consumer Finance), LazyPay (PayU) and ZestMoney. Bajaj Finance is listed as a broad incumbent.
Does KreditBee have an API?
No public API is recorded for KreditBee.
What industry is KreditBee in?
KreditBee's product category is Consumer Lending. Its primary akta.pro industry code is FSAKAHAA, Consumer P2P Personal Loans (Unsecured), with a secondary code of FSAKAHAJ, P2P Secured / Collateralized Lending (General). Its NAICS code is 52231 and its SIC code is 6163.