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Personal loans from RBI-registered NBFCs

Money when
you need it.
Keep life moving.

Borrow ₹10,000 to ₹1,00,000 with a fully digital application. See every rate and fee before you accept.

Apply on the webGet it onGoogle Play
  • No paperwork
  • Key Fact Statement up front
  • Money straight to your bank
KYC verifiedPAN and Aadhaar
Sent to your bank₹50,000HDFC ••••4821
₹10k–₹1LLoan amount
3–6 monthsRepayment period
From 24% p.a. Reducing-balance interest
100% digitalApply, sign and repay online
For life's in-between moments

A little support.
A lot of possibility.

Use it for what matters to you. No questions about the purpose, just clear terms.

Medical bills
Education fees
Travel
Home repairs
Bills and dues
Family events
How it works

From application to your bank in four steps.

Everything happens on your phone or laptop. No branch visits, no couriered documents.

  1. 01
    Sign in with your mobileVerify with a one-time code and share a few details about you and your work.
  2. 02
    Complete KYC onlinePAN, Aadhaar OTP and a quick selfie. Your documents never leave the encrypted journey.
  3. 03
    Review your offerPick an amount and tenure. Read the lender's Key Fact Statement before you accept.
  4. 04
    e-Sign and get paidSet up AutoPay, e-sign the agreement and the lender sends the money to your bank account.
EMI calculator

Make room in your budget.

Move the sliders to see a monthly estimate before you apply.

₹50,000
Repayment period

Illustration at 24% p.a. on a reducing balance, excluding processing fees and taxes. Actual terms depend on eligibility and the lender's Key Fact Statement.

Estimated monthly EMI₹8,926
Principal
₹50,000
Total interest
₹3,558
Total repayment
₹53,558
Check my offer
Why Kredtap

Built to be simple.
Designed to be clear.

Know before you borrowInterest, fees, tax and your full EMI schedule, shown before you say yes.
Regulated lenders onlyEvery loan comes from an RBI-registered NBFC, named on your agreement.
Apply on web or appStart on kredtap.com or the Android app and pick up where you left off.
Hands-free repaymentsUPI AutoPay collects each EMI on its due date, so you never miss one.
Real people to helpQuestions about your application or loan? Email or call our support team.
After you borrow

Your loan, always
in your pocket.

Track every EMI, pay early when you want to, download receipts and reach support from one place.

  • Full EMI schedule with due dates
  • Pay by UPI in a few taps
  • No Dues Certificate when you close
Pricing

What a loan costs, in plain numbers.

Your exact rate depends on your credit assessment. Whatever it is, the lender's Key Fact Statement lists it before you accept.

Interest rateFrom 24% p.a., reducing
Processing fee2%–10% of amount
GST on fees18%
Late payment chargeAs per your KFS
Annual Percentage Rate (APR)Shown in your KFS
Worked example

Borrow ₹50,000 for 6 months at 24% p.a. with a 2% processing fee: you receive ₹48,820 (after ₹1,000 fee and ₹180 GST) and repay ₹8,926 a month, ₹53,558 in total.

Illustrative only. Your offer can differ.
Eligibility

Can I apply?

These are the basics. Final approval stays with the lender's assessment.

You'll need to be
  • 18+An Indian resident aged 18 or above
  • ₹10kEarning ₹10,000 or more a month, salaried or self-employed
  • UPIHolding a bank account with UPI in your own name
Keep these handy
  • PAN cardNumber only, no upload
  • AadhaarPhone linked for OTP
  • Bank detailsAccount and IFSC
  • Your selfieTaken in the journey
Safety and privacy

Your data stays yours.

Read our privacy policy →
01Encrypted end to endDocuments and personal details are encrypted in transit and at rest.
02Consent firstWe ask before every check and only for permissions the journey needs.
03RBI digital lending rulesMoney moves only between your bank account and the lender's.
04Delete on requestAsk us to delete your account, subject to legal retention periods.
Lending partners

Know who lends to you.

Kredtap is a Lending Service Provider. Loans are sanctioned and given by these RBI-registered NBFCs.

Salora Capital LtdRBI-registered NBFCCapital Trade Links LtdRBI-registered NBFC

Your loan agreement and Key Fact Statement name the lender, its registration details and its grievance officer. Check them before you accept an offer.

Support

We're here when you need us.

help@kredtap.com+91 88006 20889
Grievance redressalNot happy with how something was handled?
  1. 1Write to our Grievance Redressal Officer, Prince, at grievance@kredtap.com.
  2. 2If it isn't resolved in 30 days, escalate to the RBI Integrated Ombudsman at cms.rbi.org.in.
Full grievance policy →
FAQs

A few things you might ask.

Can't find it here? Email help@kredtap.com.

How do I apply?

Go to kredtap.com or download the Android app, sign in with your mobile number and follow the steps. Most of the journey takes a few minutes.

How much can I borrow?

Between ₹10,000 and ₹1,00,000, depending on the lender's assessment.

What will my loan cost?

Interest starts at 24% p.a. on a reducing balance, with a 2%–10% processing fee plus GST. Your Key Fact Statement shows the full cost before you accept.

Who gives the loan?

An RBI-registered NBFC partner named on your agreement. Kredtap runs the platform as a Lending Service Provider.

How do I repay?

UPI AutoPay collects each EMI on its due date. You can also pay any EMI yourself by UPI from the app or website.

What happens if I miss an EMI?

Late charges in your Key Fact Statement apply, and it may affect your credit score. Contact support early if you're struggling to pay.

Is there an iPhone app?

Not yet. On an iPhone, apply and manage your loan at kredtap.com.

How do I delete my account?

Visit the account deletion page for the request process and what we must retain by law.

For what comes next.

Check your offer in minutes. Checking doesn't commit you to anything.

Apply on the webGet the Android app