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Apply for Kreditbee Personal Loan Online
Kreditbee
Up to ₹10L
12% - 28.5%
Upto 5 Years
Upto 5%
*Applicable for selected customers
Table of Contents
KreditBee Personal Loan Interest Rates
KreditBee Personal Loan interest rates start from 12.00% p.a. The personal loan interest rates for various KreditBee loan schemes are mentioned below:
| Particulars | Interest Rates (p.a.) |
| Flexi Personal Loan | 12.00% – 28.50% |
| Personal Loan for Salaried | 12.00% – 28.50% |
| Personal Loan for Self-Employed | 12.00% – 28.50% |
Note: Rates as of 2 April 2025
Processing Fees and Charges
| Particulars | Rates |
| Processing fees |
|
| Foreclosure Charges | 4% of principal outstanding |
| Part-Prepayment Charges | 4% of principal prepaid |
| Penal Charges |
|
Also Read: What are the processing fees and charges on personal loans for top banks and NBFCs?
Types of KreditBee Personal Loans
Flexi Personal Loan
- Flexi Personal Loan is aimed at salaried individuals looking for small-ticket size loans for meeting unexpected emergencies or taking care of small expenses (insurance premiums, utility bills, etc.). The loan amount is disbursed within 10 minutes of application.
- Tenure: 6 months to 5 years
- Loan Amount: Rs 6,000 – Rs 10 lakh
- Minimum Salary requirement: Minimum Rs 10,000 per month (net)
Personal Loan for Salaried
- Personal Loan for Salaried is disbursed to eligible salaried applicants within 1 working day of making loan application. KreditBee prefers providing loans to employees seeking to continue with their existing employers during their loan tenure.
- Tenure: 6 months to 5 years
- Loan Amount: Up to Rs 10 lakh
- 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
Personal Loan for Self-Employed
- Personal Loan for Self-Employed is disbursed to eligible self-employed individuals within 10 minutes of making the loan application. KreditBee offers this personal loan facility to self-employed applicants for meeting their business-related expenses.
- Tenure: 6 months to 5 years
- Loan Amount: Rs 6,000 to Rs 10 lakh
Eligibility Criteria for KreditBee Personal Loan
The eligibility criteria for KreditBee Personal Loan is similar to the eligibility criteria for personal loans set by most banks and NBFCs. Some of the main factors considered by KreditBee for ascertaining the personal loan eligibility of their loan applicants are as follows:
Eligibility for Flexi Personal Loan
- Indian Citizen
- Minimum Salary requirement: Rs 10,000 per month (net)
- Age: 21 to 60 years
Eligibility for Personal Loan for Salaried
- Indian Citizen
- Minimum Salary requirement: Rs 10,000 per month (net)
- Age: 21 to 60 years
- Work Experience: At least 3 months (in the current organization)
- Minimum Family Income: Rs 25,000
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Eligibility for Personal Loan for Self-Employed
- Indian Citizen
- Minimum Salary requirement: Rs 10,000 per month (net)
- Age: 21 to 60 years
Documentation Required for Personal Loan from KreditBee
Flexi Personal Loan
- PAN Card
- Address Proof: Voter ID Card, Aadhaar Card, Passport
Personal Loan for Salaried
- PAN Card
- Address Proof: Voter ID Card, Aadhaar Card, Passport
- Bank statement of salary account
- Salary slips
Personal Loan for Self-Employed
- PAN Card
- Address Proof: Aadhaar Card, Passport
KreditBee Personal Loan EMI Calculator
Monthly EMI ₹ 15,622
Total Amount Payble ₹ 5,62,395(Principal + interest)
Principal Amount ₹ 5,00,000
Total Interest Payble ₹ 62,395
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KreditBee Personal Loan Customer Care
You can reach out to KreditBee personal loan customer care through one of the following ways:
- You can call on 080-44292200/080-68534522 (call charges applicable)
- You can send an email to help@kreditbee.in
- You can send a letter to the Grievance Redressal Officer
Ms. Asharani
Address: Finnovation Tech Solutions Private Limited,
4th Floor, Anjaneya Techno Park, No. 147,
HAL Old Airport Road, ISRO Colony,
Kodihalli, Bangalore
Karnataka-560008
FAQ’s on KreditBee Personal Loan
Is it safe to take a Personal Loan from KreditBee?
Ans. KreditBee hosts multiple NBFCs, licensed by the RBI, on its online platforms for offering personal loans. Therefore, it is safe for borrowers to avail personal loans from KreditBee.
What is the Personal Loan limit in KreditBee?
Ans. The maximum loan amount offered on the KreditBee platform is up to Rs 10 lakh.
How do I check my KreditBee Personal Loan Eligibility?
Ans. Prospective applicants seeking KreditBee Personal Loans can check their eligibility criteria by visiting the website, going to the ‘Check eligibility’ section, selecting the personal loan scheme they wish to avail and providing the necessary details.