KrazyBee Services

What KrazyBee Services does

KrazyBee Services Limited (operating commercially as KreditBee) is an RBI-registered Non-Deposit Non-Banking Financial Company headquartered in Bangalore, India, founded in 2016 by alumni of IIT, IIM, NUS and NITK Surathkal. The company runs a unified digital lending platform that originates unsecured and secured retail credit for salaried and self-employed Indian consumers aged 21–60. Its core products are Personal Loans (₹6,000–₹10 Lakhs, 12–28% p.a., 6–60 months), Business Loans (₹6,000–₹1 Crore, 12–28% p.a., 6–48 months), Loan Against Property (₹1 Lakh–₹1 Crore, 12–25% p.a., up to 20 years), and Two-Wheeler Loans (₹10K–₹5 Lakhs, 10–28% p.a. fixed). Adjacent offerings — 24K Digital Gold, Credit Score Report, Refer & Earn and a 35+ EMI/financial calculator hub — extend the platform beyond origination. The technology stack is a cloud-based digital lending platform with native iOS/Android apps, automated underwriting, eKYC, 128-bit SSL encryption and a proprietary credit-evaluation engine that accepts new-to-credit and low-CIBIL borrowers by scoring non-traditional features (income, household income, employment type, bank statements, age). End-to-end disbursal is targeted within 10 minutes via a 100% paperless flow.

The business model is direct-to-consumer lending with revenue generated primarily through interest income (12–28% p.a. across products), processing fees (up to 4.8% + GST), penal and foreclosure charges (foreclosure up to 5% + GST, penal interest 36% p.a. on overdue), stamp duty and ancillary fees. FY2025 revenue was ₹2,700 crore (~$326M), up 44% year-on-year, on AUM of nearly ₹15,000 crore; net income was ₹473 crore (~$57M), up 66% YoY. In May 2026 the company closed a USD 280M Series E at a USD 1.5B valuation (unicorn status), having also pursued a USD 120M pre-IPO round earlier in 2026, and has received board approval to convert to a public limited company and merge its technology subsidiary Finnovation Tech Solutions into the NBFC arm ahead of a planned IPO within the current financial year. Operating geographies span North, South, West and East India, with Two-Wheeler Loan rollout focused on Bangalore, Mysore, Telangana and Tamil Nadu.

Name

KrazyBee Services

Legal name

KrazyBee Services Limited

Website

https://kreditbee.in

Company type

Private

Founded year

2016

Operating status

Operating

Short description

KrazyBee Services Limited (KreditBee) is an RBI-registered non-deposit NBFC that operates a digital lending platform originating personal, business, loan-against-property, and two-wheeler loans to salaried and self-employed Indian retail consumers, with FY2025 revenue of ~₹2,700 crore on AUM of ~₹15,000 crore.

Ownership category

akta.pro rank

Product category

Digital Consumer Lending (NBFC)

NAICS

Sales Financing (52222), Real Estate Credit (522292), Other Activities Related to Credit Intermediation (522390)

SIC

Short-Term Business Credit Institutions (6153), Loan Brokers (6163)

akta.pro primary industry

P2P Secured / Collateralized Lending (General) (FSAKAHAJ)

akta.pro secondary industry

B2B / Invoice-Based BNPL (Trade Credit at Checkout) (FSAGAIAC)

Keywords

• Digital lending platform
• Consumer unsecured loans
• Personal loan NBFC
• SME business loans
• Digital credit underwriting

Headquarters

HQ city

Bangalore

HQ country

India

HQ region

Asia

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

1. Interest income on loans (core): Primary revenue from interest charged across personal loans (12-28% p.a.), business loans (12-28% p.a.), two-wheeler loans (10-28% p.a.), and loan-against-property (12-25% p.a.) disbursed via KrazyBee Services NBFC and partner NBFCs.
2. Processing fees: Up to 4.8% + GST processing fee on personal, business, and two-wheeler loans, plus ₹3,000 + GST login charge on loan-against-property applications.
3. Penal, foreclosure and part-prepayment charges: EMI bounce charges (4% of overdue or ₹500 whichever lower), penal interest 36% p.a. on overdue principal, foreclosure charges up to 5% of principal outstanding + GST, and part-prepayment charges up to 5% + GST.
4. Stamp duty, maintenance & procurement, and ancillary fees: Stamp duty up to ₹1,000 (₹3,000 for two-wheeler), maintenance and procurement cost up to ₹14 + GST (up to ₹2,754 + GST for two-wheeler), PDD charges up to ₹550 + GST, credit-information-report fees ₹50 + GST.
5. AUM-based lending yield (FY2025: ₹2,700 crore revenue, ₹15,000 crore AUM): FY2025 revenue of ₹2,700 crore (≈USD 326 million) on assets under management of nearly ₹15,000 crore, growing 44% year-on-year; net income of ₹473 crore (≈USD 57 million), up 66% YoY.

Pricing tiers

Go-to-market motion1 record

Core offering

KrazyBee Services Limited is an RBI-registered Non-Deposit NBFC that operates the KreditBee digital lending platform to originate and service instant personal loans (₹6,000–₹10 Lakhs), business loans (₹6,000–₹1 Crore), loan-against-property (up to ₹1 Crore) and two-wheeler loans (up to ₹5 Lakhs) for salaried, self-employed and SME borrowers in India. Loan applications, eKYC, credit decisioning, e-sign agreement and disbursal are executed end-to-end online, typically within 10 minutes, with credit extended beyond traditional CIBIL cutoffs through a proprietary tech-based underwriting engine.

Product overview

KrazyBee Services Limited (operating under the KreditBee brand) is an RBI-registered Non-Deposit Non-Banking Financial Company that runs a unified digital lending platform composed of a core consumer-facing mobile app and website plus a portfolio of modular lending products — KreditBee Instant Personal Loan, Flexi Personal Loan, Personal Loan for Self-Employed, Flexi Personal Loan for Salaried, Loan Against Property, Business Loan, and Two Wheeler Loan — supplemented by adjacent financial offerings including 24K Digital Gold, Credit Score Report, and the Refer & Earn program. The Loan EMI Calculator Suite is offered as a transversal planning add-on that supports every lending product. The technology arm Finnovation Tech Solutions Pvt. Ltd. (CIN: U74900KA2016PTC086953) operates the platform, which the company plans to merge into KrazyBee Services Limited as part of pre-IPO consolidation.

Differentiator

Problem solved

Functional benefit

Brands

• 24K Digital Gold: Digital gold investment offering available on the KreditBee platform.

Products and services

• KreditBee Instant Personal Loan Unsecured instant personal loan offered by KrazyBee Services Limited (RBI-registered NBFC) to Indian citizens aged 21-60, ranging from ₹6,000 to ₹10 Lakhs with tenures of 6-60 months, interest rates of 12-28% p.a., and 100% online processing with disbursal typically within 10 minutes.
• Flexi Personal Loan Flexible credit-line product with a pre-approved limit that borrowers can draw down as needed, available without a salary slip and marketed to new-to-credit and salaried applicants.
• Flexi Personal Loan for Salaried Salary-advance style flexi credit product for salaried employees providing flexible credit-line access tied to monthly income with competitive interest rates.
• Personal Loan for Self-Employed Personal loan variant tailored to self-employed Indian borrowers with flexible documentation and repayment options ranging from 6 to 60 months.
• Loan Against Property (LAP) Secured mortgage loan of ₹1 Lakh to ₹1 Crore against residential or commercial property, with interest rates from 12-25% p.a., flexible tenure of 12 months to 20 years, and balance transfer facility available across major South Indian cities.
• Business Loan Collateral-free loan for SMEs, proprietorships and self-employed businesses ranging from ₹6,000 to ₹1 Crore over 6-48 months with interest rates from 12-28% p.a. and processing fee up to 4.8% + GST, requiring minimum 12 months of business operations and Udyam Registration for MSME borrowers.
• Two Wheeler Loan Secured loan for purchasing two-wheelers, from ₹10,000 up to ₹5 Lakhs with tenures of 6-60 months and fixed interest rates of 10-28% p.a., serviced through KBNBFC and dealer partners in Bangalore, Mysore, Telangana, and Tamil Nadu.
• 24K Digital Gold Non-lending savings offering allowing customers to buy and accumulate 24-karat digital gold as an alternative financial product within the KreditBee app.
• Credit Score Report Self-service credit score and detailed credit report offering for logged-in users; a ₹50 + GST fee is applied only if the customer opts to receive the Credit Information Report.
• Refer & Earn Customer referral program that rewards existing KreditBee users for referring new borrowers to the platform.
• KreditBee Mobile App Native mobile application (iOS via Apple App Store, Android via Google Play Store) that delivers the full KreditBee loan product suite — application, KYC upload, eligibility check, e-sign, disbursal tracking, repayment, and credit-score services — through a 100% paperless workflow.
• Loan EMI Calculator Suite Suite of 35+ online financial calculators including Personal, Business, Home, Bike, Car, Education, Gold, Mortgage, Commercial, Flat vs Reducing Rate, APR, Term Loan, Two-Wheeler, Credit Card, Machinery, PMAY Subsidy, GST, EPF, TDS, Income Tax, HRA, Sukanya Samriddhi Yojana, CAGR, Retirement, ELSS, Stamp Duty, PPP, Salary, SIP, Interest Rate, Loan-to-Value, Prepayment, Top-Up Loan, Balance Transfer and bank-specific EMI calculators (HDFC, SBI, Axis, Canara, ICICI, BOI, Kotak, PNB, IndusInd). Used for affordability planning across all loan products.

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability6 records

Feature5 records

Recent moves7 records

Expansion highlights6 records

Broad incumbents

• IIFL Finance: Large Indian NBFC with a broad portfolio including personal loans, business loans, gold loans, and LAP. Comparable in product mix and target SMB / retail segments, though more diversified and traditional than KreditBee.
• Muthoot Finance: India's largest gold-loan-focused NBFC, with growing personal and business-loan offerings. Comparable as an NBFC lender to retail and small-business customers, though with a much larger branch-led footprint.
• Bajaj Finance: One of India's largest diversified NBFCs offering consumer durable loans, personal loans, business loans, and LAP. Comparable as a digital and branch-led lender to retail and small-business customers, though far larger and more diversified than KreditBee.

Direct peers

• MoneyTap: India-based digital lender offering personal credit lines and small-ticket loans through a mobile app to salaried professionals. Closely comparable in product (flexi credit line / small personal loan) and target customer (urban salaried).
• PaySense / LazyPay: Pay-later and personal-loan fintech in India serving online consumers and small-ticket borrowers. Comparable as a digital consumer-credit platform operating in the same unsecured small-ticket retail segment.
• Navi Technologies: Indian fintech-NBFC offering personal loans, home loans, and digital lending products through a mobile-first platform. Directly comparable as a digitally-native NBFC serving salaried and self-employed retail borrowers in India.
• CASHe: Digital lending platform targeting young Indian salaried professionals with short-tenure personal loans. Comparable in customer segment, product type, and mobile-first delivery model to KreditBee.
• EarlySalary (Fibe): Indian digital lender providing salary advances and personal loans to salaried employees. Directly comparable in serving thin-file urban salaried borrowers with small-ticket, short-tenure digital loans.
• Slice (Northstar Fintech): Indian fintech offering credit cards, personal loans, and 'pay-later' products to young, often new-to-credit consumers. Directly comparable as a mobile-first digital lender focused on thin-file salaried borrowers in India.

Emerging players

• Jupiter (India): Mobile-first Indian consumer fintech offering savings, payments, and lending products. Overlaps with KreditBee on the consumer credit / personal-loan side, and on the broader ambition to bundle financial products for salaried consumers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xtwitter.com/kreditbee
• YouTubeyoutube.com/kreditbee
• Facebookfacebook.com/kreditbee
• LinkedInin.linkedin.com/company/kreditbee
• Instagraminstagram.com/kreditbee

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about KrazyBee Services