Finnovation Tech Solutions

What Finnovation Tech Solutions does

Finnovation Tech Solutions Pvt. Ltd. is the technology entity behind KreditBee, an India-based digital lending platform operated through Krazybee Services Limited, an RBI-registered Non-Deposit NBFC. Incorporated in 2016 in Karnataka (CIN: U74900KA2016PTC086953) and headquartered in Bangalore, the company operates a branch-less, mobile-first platform accessible via web (kreditbee.in) and native Android and iOS applications, serving individual borrowers and small businesses across 60+ Indian cities. Its product portfolio spans four core lending modules — Personal Loan (₹6,000–₹10 Lakhs, 6–60 month tenure, 12%–28% p.a.), Business Loan (₹6,000–₹1 Crore, 6–48 month tenure, 12%–28% p.a.), Loan Against Property (₹1 Lakh–₹1 Crore, up to 20-year tenure, 12%–25% p.a., secured), and Two-Wheeler Loan (₹10,000–₹5 Lakhs, up to 60-month tenure, 10%–28% p.a.) — plus ancillary services including 24K Digital Gold, a free Credit Report service, and a Refer & Earn program. The platform underwrites borrowers using a proprietary eligibility engine that combines credit bureau scores with profile data, repayment history, and income, and integrates eNACH/UPI e-mandate for automated EMI collection, enabling an advertised end-to-end disbursal SLA of approximately 10 minutes.

Name

Finnovation Tech Solutions

Legal name

Finnovation Tech Solutions Pvt. Ltd.

Website

https://kreditbee.in

Company type

Private

Founded year

2016

Operating status

Operating

Short description

Finnovation Tech Solutions operates KreditBee, an India-based RBI-registered digital lending platform offering instant personal, business, property-backed, and two-wheeler loans to salaried and self-employed consumers across 60+ cities via mobile and web.

Ownership category

akta.pro rank

Product category

Digital Consumer Lending Platform

NAICS

Nondepository Credit Intermediation (5222), Consumer Lending (522291), Mortgage and Nonmortgage Loan Brokers (52231), Real Estate Credit (522292), International, Secondary Market, and All Other Nondepository Credit Intermediation (522299)

SIC

Loan Brokers (6163), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Direct-to-Consumer (D2C) Personal Lending Platforms (Unsecured Installment) (FSAKAAAK)

akta.pro secondary industries

Consumer P2P Personal Loans (Unsecured) (FSAKAHAA), SBA/Government-Backed & Development Finance Loans (FSAKAGAI), Digital Identity, eKYC & Borrower Verification (Lending-Focused) (FSAGAHAF), P2P Debt Consolidation & Refinancing (FSAKAHAB)

Keywords

• Digital lending platform
• Instant personal loans
• SME business loans
• Loan against property
• Consumer credit India

Headquarters

HQ city

Bangalore

HQ country

India

HQ region

Asia

Offices2 records

Markets served

GTM type

B2C

Offering type

Software

Cost components

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

Revenue model

1. Interest income on loans: Primary revenue stream derived from interest charged on personal loans (12%–28% p.a.), business loans (12%–28% p.a.), loan against property (12%–25% p.a.), and two-wheeler loans (10%–28% p.a.). FY2025 revenue of approximately USD 326 million (up 40% YoY) was generated predominantly from interest income on the company's loan book.
2. Loan processing and ancillary fees: Recurring fee income from processing fees (up to 4.8% + GST), foreclosure charges (up to 5% of principal outstanding + GST), part-prepayment charges (up to 5% of principal prepaid + GST), EMI bounce charges, penal interest (36% p.a. on overdue principal), stamp duty (up to ₹1,000), credit information report fees (₹50 + GST), maintenance & procurement cost (up to ₹14 + GST), and login charges for LAP (₹3,000 + GST).
3. Collateral-backed lending spread (Loan Against Property): Secured lending revenue via Loan Against Property products (₹1 Lakh to ₹1 Crore ticket sizes, 12–20 year tenure), generating interest income at lower rates (12%–25% p.a.) on a larger principal base with collateral security.
4. Pre-IPO capital raise (equity): Negotiating a USD 120 million pre-IPO funding round at a USD 1.2 billion post-money valuation (up from previous USD 700 million valuation). Board has approved conversion to public limited company ahead of IPO listing.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels7 records

Core offering

Finnovation Tech Solutions operates the KreditBee digital lending platform that facilitates instant personal loans (₹6,000–₹10 Lakhs), business loans (₹6,000–₹1 Crore), loan against property (up to ₹1 Crore) and two-wheeler loans (₹10,000–₹5 Lakhs) by routing borrower applications to RBI-registered NBFC/Bank partners including its own NBFC Krazybee Services Limited, with a 100% online paperless onboarding, automated KYC and 10-minute disbursal. Beyond lending it offers 24K digital gold investment, a free credit score/report service and a Refer & Earn program.

Product overview

KreditBee, operated by Finnovation Tech Solutions Pvt. Ltd., is a unified digital lending platform in India that serves as a single product offering multiple loan modules and financial services. The platform's core offering is its Personal Loan module (which includes specialized variants such as Flexi Personal Loan, Personal Loan for Self-Employed, and Personal Loan for Salaried) complemented by three additional core lending modules: Business Loan, Two Wheeler Loan, and Loan Against Property. Beyond lending, the platform extends its product portfolio with additional services including 24K Digital Gold investment, Credit Report / Credit Score Check, and a Refer & Earn referral program. Supporting the entire offering are utility tools like the Personal Loan EMI Calculator and other financial calculators. All loan products are facilitated through partnerships with RBI-registered NBFCs/Banks and feature a 100% online, paperless process with automated KYC verification, predictive credit decisioning, and disbursal claimed within 10 minutes.

Differentiator

Problem solved

Functional benefit

Brands

• KreditBee: India's online instant personal loan and credit platform offering personal loans, business loans, two-wheeler loans, loan against property, digital gold, and credit reporting services.

Products and services

• Personal Loan

Quantifiable outcome

• FY2025 revenue of approximately USD 326 million, up 40% year-on-year
• +5 more outcomes

Named customers6 records

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability4 records

Feature5 records

Partnerships

Five partnerships are on record, tiered flagship / core, core and minor.

• Krazybee Services Limited (in-house RBI-registered NBFC)flagship / coreStrategic or Co-development PartnerKrazybee Services Limited is the RBI-registered Non-Deposit Non-Banking Financial Company (NBFC) that underwrites, approves, and sanctions loans originated through the KreditBee platform operated by Finnovation Tech Solutions. Per a February 2026 news report, Finnovation Tech Solutions is being merged into Krazybee Services Limited to consolidate operations ahead of a planned IPO listing.
• RBI-Registered NBFCs & Banks (Digital Lending Partners)coreChannel Partner/ Reseller/ DistributorUndisclosed network of RBI-registered Non-Banking Financial Companies and Banks that approve and sanction personal, business, and property-backed loan applications routed through the KreditBee platform. The website lists dedicated 'Digital Lending Partners' and 'Digital Lead Partner' programs for partner NBFCs to integrate.
• Two-Wheeler Vehicle Dealers & Manufacturers (Bangalore, Mysore, Telangana, Tamil Nadu)minorChannel Partner/ Reseller/ DistributorPartnered two-wheeler dealers and manufacturers originate vehicle loan applications, provide vehicle invoice, downpayment receipt, insurance papers, and RTO documentation, and receive loan disbursal directly into the dealer bank account. Regional scope limited to Bangalore, Mysore, Telangana and Tamil Nadu.
• Google Play Store & Apple App StorecoreOEM/ Whitelabel/ Licensing PartnerDistribution partnership for the KreditBee mobile application on Android (Google Play) and iOS (Apple App Store) platforms, with branded download badges prominently displayed on the homepage and site footer to drive app installs.
• TechSci Research, BLinC Invest, LinkedIn (Pulse) — cited market research sourcesminorOthersExternal research and media sources cited on the KreditBee blog and calculator pages: TechSci Research (India two-wheeler loan market forecast USD 12 billion by 2025), BLinC Invest MSME Lending Report (Indian financial institutions meet only 15% of MSME credit demand), and LinkedIn Pulse article on India's green home loan market (forecast USD 150 billion by 2025).

Scale indicators8 records

Recent moves5 records

Expansion highlights6 records

Broad incumbents

• Tata Capital: Large Indian NBFC offering personal loans, business loans, LAP, and consumer durable financing. Comparable in lending product mix and customer segments, though as a diversified incumbent with broader distribution and balance sheet.
• Paytm Postpaid (One97 Communications): Indian digital payments and financial services giant offering Paytm Postpaid (credit line) and personal loans via partner NBFCs. Comparable as a scaled digital-first lending platform with broad consumer reach and partner-NBFC model.
• Bajaj Finserv: One of India's largest NBFCs offering personal loans, business loans, EMI cards, and LAP across digital and branch channels. Comparable as a scaled incumbent in the same lending product categories, though with broader portfolio and physical distribution.

Direct peers

• Navi Technologies: India-based digital lending platform offering personal loans, home loans, and credit products via a mobile-first stack. Directly comparable to KreditBee as an RBI-regulated NBFC competing in instant personal loans and SME credit, with similar thin-file targeting.
• PaySense (PayU): India-based digital personal loan platform (acquired by PayU/LazyPay) offering instant personal loans through mobile apps and partner NBFCs. Comparable in fintech-led origination model and thin-file targeting strategy.
• Dhani Loans (IndoStar Capital / Indiabulls Consumer Finance): Indian digital lending platform offering personal loans, business loans, and credit lines via mobile app. Closely comparable to KreditBee in product mix, target segment (salaried/self-employed thin-file borrowers), and instant disbursal model.
• Fibe (formerly EarlySalary): Indian salary advance and personal loan fintech offering instant credit to salaried employees. Directly comparable to KreditBee's salaried segment with similar digital-only distribution and short-tenure small-ticket lending model.
• Moneyview: Indian consumer lending app offering personal loans, home loans, and credit tracking. Direct competitor to KreditBee in the instant personal loan space targeting young salaried borrowers across tier-1 and tier-2 cities.
• CASHe (TSLC): India-based digital lending platform offering personal loans and credit lines to salaried millennials through a mobile-first app. Comparable in customer segment (young salaried thin-file borrowers) and instant disbursal model.

Emerging players

• MoneyTap: India-based digital credit line product offering personal loan credit lines via mobile app. Comparable in credit-line product structure (similar to KreditBee's Flexi Personal Loan) and salaried-borrower targeting.

Market position

Strengths5 records

Weaknesses4 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

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 Finnovation Tech Solutions