KreditBee Personal Loan

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KreditBee is a website that helps people get loans from banks or financial companies. You can borrow money, and the interest rates start at 12.25% per year for loans up to Rs 4 lakh, with a repayment period of up to 2 years. KreditBee makes it quick and easy, with the loan amount reaching you in just 10 minutes and needing only a few documents. Plus, you can close your loan early if you want.

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KreditBee

Max. Loan Amt.

Up to ₹4L

Rate of Interest

12.25% - 30%

Tenure up to

Upto 2 Years

Processing Fee

Up to Rs 1,250

Check Eligibility
Quick Disbursal 100% Digital Process*

KreditBee Personal Loan Interest Rates

KreditBee offers personal loans with interest rates between 12.25% and 30.00% per year. Here are the interest rates for different loan schemes:

Particulars Interest Rate (p.a.)
Flexi Personal Loan 12.25% – 30.00%
Personal Loan for Salaried 24.00% – 29.95%

Banks/NBFCs Interest Rates(p.a.)
Axis Bank 10.49% onwards Apply Now
IndusInd Bank 10.49% onwards Apply Now
IDFC First Bank 10.49% onwards Apply Now
HDFC Bank 10.50% onwards Apply Now
ICICI Bank 10.50% onwards Apply Now
Kotak Mahindra Bank 10.99% onwards Apply Now
Tata Capital 10.99% onwards Apply Now
Bajaj Finserv 11.00% onwards Apply Now
Federal Bank 11.49% onwards Apply Now
DMI Finance 12.00% - 40.00% Apply Now
L&T Finance 12.00% onwards Apply Now
Kreditbee 12.25% - 30.00% Apply Now
MoneyTap 12.96% onwards Apply Now
Piramal Finance 12.99% onwards Apply Now
Aditya Birla 13.00% onwards Apply Now
MoneyView 15.96% onwards Apply Now
Cashe 27.00% onwards Apply Now

Also read: Best Personal Loan Interest Rate

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Particulars Rates
Processing Fee
  • For Flexi Personal Loans: Rs 85 to Rs 1,250
  • For Personal Loans for Salaried (for loan amount from Rs 10,000 to Rs 2 lakh): Up to 6% of the loan amount (minimum Rs 500)
  • For Online Purchase Loan/E-Voucher Loan: Up to 5% of the loan amount
Convenience fees**
  • Bank transfer: Nil (borrower’s bank may levy charges for NEFT/IMPS transfer)
  • Net banking: Rs 6 to Rs 15 per transaction (depending on the borrower’s bank)
  • Debit Card:
    • Less than Rs 2,000: Nil
    • Above Rs 2,000: 0.90%
  • UPI: Rs 5 to Rs 11 per transaction (depending on the borrower’s bank)
  • Wallet/Prepaid: Up to 1.90% (depending on the wallet chosen for payment)
Penalty Charges for Auto Debit Rs. 100
Late Payment Charges Flexi Personal Loan:
  • For a 2 month loan of Rs 1,000 to Rs 10,000: One time overdue charge of Rs 10 to Rs 200
  • Per day penalty charge: Rs 5 to Rs 75 for every overdue instalment
Personal Loan for Salaried:
  • For a 15 month loan (loan amount of Rs 10,000 to Rs 3 lakh): One time overdue charge of Rs 500
  • Per day penalty charge: 0.15% of principal amount for every overdue instalment
Online Purchase Loan/E-Voucher Loan:
  • One time overdue charge: Rs 500
  • Per day penalty charge: 0.2% of principal amount for every overdue instalment

*charges are indicative and may change based on an individual’s profile. It is deducted from the loan amount upfront

**excluding GST and other applicable taxes

Also read: Best Personal Loan in India

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Flexi Personal Loan

  • Flexi Personal Loan from KreditBee is designed for employed individuals who need small loans to handle unexpected emergencies or cover minor expenses like insurance premiums and utility bills. You can get the loan amount in just 10 minutes after applying.
  • Tenure: 2 months (minimum 62 days) to 6 months
  • Loan Amount: Rs 1,000 – Rs 10,000 (Based on the repayment track record and other factors, borrowers can increase their loan amount eligibility to Rs 1 lakh at later stages)
  • Interest Rate: 12.25% – 30.00% p.a.
  • Minimum Salary requirement: More than Rs 10,000 per month (net)

Also read: Best Personal Loan Status

Personal Loan for Salaried

  • KreditBee's Personal Loan for Salaried individuals is disbursed to eligible applicants who receive a salary within 1 working day of applying for the loan. KreditBee gives preference to employees who plan to stay with their current employers throughout the loan tenure.
  • Tenure: 3 months to 2 years
  • Loan Amount: Rs 10,000 to Rs 4 lakh
  • Interest Rate: 24.00% – 29.95% p.a.
  • Minimum Salary requirement: More than Rs 10,000 per month (net). A salaried individual can take a loan up to 200% of their monthly net salary

Online Purchase Loan/E-Voucher Loan

  • KreditBee provides an Online Purchase Loan or E-Voucher Loan specifically for salaried individuals who want to finance their shopping on KreditBee partner platforms. By registering on KreditBee, they can make an initial down payment to access E-Vouchers on easy monthly installments (EMI), allowing them to shop conveniently across various online platforms.
  • Tenure: The E-Voucher expires within a year from the date of issue
  • Loan Amount: The E-Voucher loan should not exceed the assigned credit limit on the KreditBee app, and it should match the chosen down payment for buying the product.
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The eligibility criteria for a KreditBee Personal Loan align with the typical requirements set by many banks and non-banking financial companies (NBFCs). KreditBee assesses various factors to determine the eligibility of loan applicants. Some key considerations include:

Eligibility for Flexi Personal Loan

  • Indian Citizen
  • Minimum Salary requirement: Rs 10,000 per month (net)
  • Age: 21 to 45 years

Online Purchase Loan/E-Voucher Loan

  • Indian Citizen
  • Age: above 21 years

Personal Loan for Salaried

  • Indian Citizen
  • Minimum Salary requirement: Rs 15,000 per month (net)
  • Age: 21 to 45 years
  • Work Experience: At least 3 months (in the current organization)

Also read: Best Personal Loan Eligibility

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Flexi Personal Loan

  • PAN Card
  • Address Proof: Voter ID Card, Aadhaar Card, Passport

Online Purchase Loan/E-Voucher Loan

  • PAN Card
  • KYC Address Proof

Personal Loan for Salaried

  • PAN Card
  • Address Proof: Voter ID Card, Aadhaar Card, Passport
  • Bank statement of salary account
  • Salary slips

Also ReadBest Personal Loan Documents Required

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EMI Calculator

Also read: Best Personal Loan EMI Calculator

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You can contact KreditBee's customer care through the following methods:

  • 1. Phone: Call 080-4429-2200 (standard call charges may apply).
  • 2. Email: Send an email to help@kreditbee.in.
  • 3. Mail: Send a letter to the following address: 3rd Floor, No.100, The Royal Stone Tech Park, Benninganahalli, K.R.Puram, Bengaluru, India – 560016.
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