KrazyBee
KrazyBee Services Limited is a Bengaluru-based, RBI-registered NBFC that originates personal, business, vehicle and supply-chain loans for Indian consumers and SMEs, acting as the lending partner behind 20+ digital platforms including KreditBee, Paytm, PhonePe, CRED and Tata Neu.
- Company typePrivate
- Founded2016
- HeadquartersBengaluru, India
- Headcount101–250
- GTM typeB2C
- OfferingServices
What KrazyBee does
KrazyBee Services Limited is a Bengaluru-headquartered, RBI-registered Non-Deposit taking Non-Banking Financial Company (NBFC) founded in 2016. It provides credit to Indian consumers and small businesses, originating personal loans, top-up personal loans, business loans, loans against property (with top-up variants), two-wheeler loans, supply chain financing, equated daily instalment (EDI) loans, and EV three-wheeler loans. The company explicitly disclaims direct-to-consumer lending on its own apps since January 2020 (KrazyBee app) and January 2021 (Kreditzy app), and now operates exclusively as the lending partner across 20+ third-party digital platforms — including KreditBee, Mobikwik, Airtel Thanks, Bajaj Finserv, Paytm, Tata Neu, PhonePe, CRED, JioFinance, Flipkart (super.money), Moneycontrol, Paisabazaar and Meesho — supplemented by co-lending arrangements with ten institutional financiers such as Vivriti, Northern Arc, Piramal, Tata Capital, OXYZO and Kisetsu Saison Finance.
Revenue is generated almost entirely from interest income and fees on originated or co-lent loan portfolios, with the firm's stated differentiator being its Big Data and AI-based underwriting models that it says enable faster, more accurate credit decisions than traditional bank-based assessment for thin-file Indian borrowers. Customer economics are retail-scale and granular — 90 Lakhs+ borrowers served and ₹35,000+ Crores in cumulative disbursement — spread across a PAN-India, 24x7 operating footprint but with no single concentrated customer. The company describes itself as one of the few profitable Indian startups and operates with 101-250 employees, transitioning its corporate form from Private Limited to Limited in preparation for what appears to be broader institutional capital access. Following its July 2025 acquisition of Finnovation Tech Solutions (operator of the KreditBee platform), KrazyBee has vertically integrated its largest digital distribution channel into the NBFC group.
KrazyBee firmographics
Firmographics- Name
- KrazyBee
- Legal name
- KrazyBee Services Limited
- Website
- https://kbnbfc.in
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- KrazyBee Services Limited is a Bengaluru-based, RBI-registered NBFC that originates personal, business, vehicle and supply-chain loans for Indian consumers and SMEs, acting as the lending partner behind 20+ digital platforms including KreditBee, Paytm, PhonePe, CRED and Tata Neu.
- Ownership category
- akta.pro rank
KrazyBee industry classification
Industry- Product category
- Consumer Lending (Digital NBFC)
- NAICS
- Nondepository Credit Intermediation (5222), Other Nondepository Credit Intermediation (52229)
- SIC
- Miscellaneous Business Credit Institution (6159), Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Direct Lending — Specialty Finance (Consumer/SME Lending Platforms) (FSAHAJAF)
Keywords
Where KrazyBee is headquartered
LocationHeadquarters
- HQ city
- Bengaluru
- HQ country
- India
- HQ region
- Asia
Offices1 record
Markets served
KrazyBee business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Lending/Interest Income: KrazyBee operates as an NBFC providing various loan products including personal loans, business loans, loans against property, two-wheeler loans, supply chain financing, and EV loans. Revenue is generated through interest income on loans disbursed.
Go-to-market motion1 record
Distribution channels1 record
Marketing channels1 record
KrazyBee product offering
Product offeringCore offering
KrazyBee Services Limited is an RBI-registered non-deposit-taking NBFC that originates and services a diversified portfolio of unsecured and secured retail credit products — including personal loans (with top-ups), business loans, loans against property (with top-ups), two-wheeler loans, supply chain financing, equated daily instalment (EDI) loans, and EV three-wheeler loans — distributed through digital lending apps and fintech partners using proprietary Big Data and AI-based underwriting.
Product overview
KrazyBee Services Limited is an NBFC offering a diverse portfolio of loan products through multiple digital lending platforms. The core product lineup includes Personal Loans (with Top-up variants), Business Loans, secured Loans against Property (with Top-up options), Two Wheeler Loans, Supply Chain Financing, Equated Daily Instalments (EDI) Loans, and EV 3 Wheeler Loans. These products are distributed primarily through digital lending apps including KreditBee (the primary active platform), with lending operations supported by Big Data and AI-based underwriting technology.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Loan Unsecured consumer loan provided to working salaried professionals for personal use, without requiring security or collateral, originated and serviced by KrazyBee Services Limited through partner digital lending platforms.
- Personal Loan (Top-up) Additional loan amount on top of an existing personal loan for borrowers who need more funds, offered by KrazyBee Services Limited.
- Business Loan Loan product designed to meet business financing needs for small businesses and MSMEs, offered by KrazyBee Services Limited.
- Loan Against Property Secured loan against residential or commercial property offered by KrazyBee Services Limited.
- Loan Against Property (Top-up) Additional borrowing facility against an already mortgaged property, offered by KrazyBee Services Limited.
- Two Wheeler Loan Financing for the purchase of two-wheeled vehicles, offered by KrazyBee Services Limited.
- Supply Chain Financing Financial solutions for managing supply-chain cash-flow needs, offered by KrazyBee Services Limited.
- Equated Daily Instalments (EDI) Loan Loan product with daily repayment instalments, offered by KrazyBee Services Limited.
- EV 3 Wheeler Loan Financing for the purchase of electric three-wheeled vehicles, offered by KrazyBee Services Limited.
Quantifiable outcome
- 7 Crore+ satisfied customers served
- +2 more outcomes
Companies that use KrazyBee
Customer profileSegments1 record
Ideal customer profiles3 records
KrazyBee technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability1 record
Feature1 record
KrazyBee partnerships and signals
Strategic signalPartnerships
30 partnerships are on record, tiered core and minor.
- Finnovation Tech Solutions Pvt. Ltd. (KreditBee)coreDigital lending partner providing personal loans through KreditBee app. KrazyBee is the lending partner while Finnovation operates the digital platform.
- Kartbee Technologies Pvt. Ltd. (Kreditzy)minorDigital lending partner through Kreditzy app. Lending stopped from January 2021; currently only collecting against disbursed loans.
- One MobiKwik Systems Limited (Mobikwik)coreDigital lending partner through Mobikwik platform for personal loans.
- Xtelify Limited (Airtel Digital Limited) - Airtel Thanks AppcoreDigital lending partner through Airtel Thanks App for personal loans.
- Angel One LimitedminorDigital lending partner through Angel One platform for personal loans.
- Bajaj Finserv Direct LimitedcoreDigital lending partner through Bajaj Finserv Markets Loan App.
- Aditya Birla Capital Digital Limited (ABCD)minorDigital lending partner through ABCD Aditya Birla Capital App.
- CreditMantri Finserve Private LimitedminorDigital lending partner through CreditMantri platform.
- Social Worth Technologies Private Limited (Fibe)coreDigital lending partner through Fibe (formerly EarlySalary) app.
- GC Web Ventures Private Limited (IndiaLends)minorDigital lending partner through IndiaLends platform.
- Network18 Media & Investments Limited (Moneycontrol)minorDigital lending partner through Moneycontrol platform.
- Paisabazaar Marketing And Consulting Pvt LtdcoreDigital lending partner through Paisabazaar platform.
- One97 Communications Limited (Paytm)coreDigital lending partner through Paytm platform.
- Tata Digital Private Limited (Tata Neu)coreDigital lending partner through Tata Neu platform.
- Scapic Innovations Private Limited (Flipkart super.money)minorDigital lending partner through Flipkart Online Shopping App lending pages.
- PhonePe Lending Services Private LimitedcoreDigital lending partner through PhonePe Business Merchant App for merchant lending.
- Asset Direct DBA Creditlinks India Private LimitedminorDigital lending partner through CreditLinks platform.
- DREAMPLUG TECHNOLOGIES PRIVATE LIMITED (CRED)coreDigital lending partner through CRED platform.
- Jio Finance Platform and Service LimitedcoreDigital lending partner through JioFinance app.
- Meesho Payments Private LimitedminorDigital lending partner through Meesho platform.
- Kisetsu Saison Finance (India) Private Limited (KSF)minorCo-lending partner with grievance redressal mechanism.
- Vivriti Capital LimitedminorCo-lending partner with grievance redressal mechanism.
- Northern Arc Capital LimitedminorCo-lending partner with grievance redressal mechanism.
- Cholamandalam Investment and Finance Company LimitedminorCo-lending partner with grievance redressal mechanism.
- Piramal Finance LimitedminorCo-lending partner with grievance redressal mechanism.
- PayU Finance India Private LimitedminorCo-lending partner with grievance redressal mechanism.
- MAS Financial Services LtdminorCo-lending partner with grievance redressal mechanism.
- Mirae Asset Financial Services (India) Pvt.minorCo-lending partner with grievance redressal mechanism.
- Tata Capital LimitedminorCo-lending partner with grievance redressal mechanism.
- OXYZO Financial Services LimitedminorCo-lending partner with grievance redressal mechanism.
Scale indicators5 records
Recent moves6 records
Expansion highlights5 records
KrazyBee competitors and assessment
Company assessmentBroad incumbents
- IIFL Finance: Diversified Indian NBFC offering personal loans, gold loans, business loans, and LAP through digital and physical channels. Comparable on retail credit product mix and emerging digital distribution model.
- Tata Capital: Large Indian NBFC arm of the Tata Group offering personal loans, business loans, and LAP across digital and branch channels. Comparable broad-product NBFC; also a KrazyBee co-lending partner on co-origination flows.
- Piramal Capital and Housing Finance: Diversified Indian NBFC/HFC offering business loans, LAP, and consumer credit products. Comparable on secured and SME loan products; also a KrazyBee co-lending partner competing for the same originator-finance relationships.
- Vivriti Capital: Indian NBFC specializing in retail and SME lending including digital lending partnerships and co-lending. Comparable as a co-lending balance-sheet provider to digital originators — including KrazyBee — making it both a counterparty and competitor for partner-funded credit.
- Bajaj Finance: India's largest consumer NBFC offering personal loans, two-wheeler loans, business loans, and loans against property. Comparable product mix but materially larger scale and balance sheet; also an active digital distribution partner of KrazyBee.
- Cholamandalam Investment and Finance: Large diversified Indian NBFC active in vehicle finance, business loans, and home equity. Comparable on product overlap (especially two-wheeler and LAP) and is also a KrazyBee co-lending partner, evidencing shared customer segments.
Direct peers
- Money View: Digital-first Indian NBFC offering personal loans, business loans, and credit-line products through its mobile app. Comparable on digital consumer lending to salaried and self-employed segments with an in-house underwriting stack.
- Fibe (formerly EarlySalary): RBI-registered NBFC providing personal loans and salary advances to salaried professionals via a mobile app. Directly comparable as a salaried-segment digital consumer lender; notably also an existing distribution partner of KrazyBee.
- Navi Finserv: Indian NBFC offering personal loans, home loans, and digital lending products with a tech-led, app-first model. Directly comparable as an Indian tech-driven NBFC competing for similar salaried-borrower digital lending volumes.
- PaySense (PayU Finance): Indian digital lending NBFC offering personal loans to salaried individuals. Comparable as a fintech NBFC competing for the same unsecured personal-loan demand; PayU Finance is also a KrazyBee co-lending partner, evidencing direct market overlap.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
KrazyBee financial estimates
Financial estimateRevenue estimate
Valuation estimate
KrazyBee leadership team
Management profileNumber of profiles
Profiles11 records
KrazyBee subsidiaries and ownership
Company hierarchySubsidiaries2 records
KrazyBee funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
KrazyBee M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about KrazyBee
What does KrazyBee do?
KrazyBee Services Limited is an RBI-registered non-deposit-taking NBFC that originates and services a diversified portfolio of unsecured and secured retail credit products — including personal loans (with top-ups), business loans, loans against property (with top-ups), two-wheeler loans, supply chain financing, equated daily instalment (EDI) loans, and EV three-wheeler loans — distributed through digital lending apps and fintech partners using proprietary Big Data and AI-based underwriting.
Is KrazyBee a public or private company?
KrazyBee is a private company. It is classified as venture growth investor backed and is currently operating.
When was KrazyBee founded?
KrazyBee was founded in 2016. It employs 101 to 250 people.
Where is KrazyBee based?
KrazyBee is headquartered in Bengaluru, India, in the Asia region.
How does KrazyBee make money?
One revenue line is on record: lending/Interest Income.
Who are KrazyBee's main competitors?
Broad incumbents on record are IIFL Finance, Tata Capital, Piramal Capital and Housing Finance, Vivriti Capital, Bajaj Finance and Cholamandalam Investment and Finance. Direct peers are Money View, Fibe (formerly EarlySalary), Navi Finserv and PaySense (PayU Finance).
Does KrazyBee have an API?
No public API is recorded for KrazyBee.
What industry is KrazyBee in?
KrazyBee's product category is Consumer Lending (Digital NBFC). Its primary akta.pro industry code is FSAHAJAF, Direct Lending — Specialty Finance (Consumer/SME Lending Platforms). Its NAICS code is 5222 and its SIC code is 6159.