KreditBee
KreditBee Personal Loan
An app that places loans of ₹3,000–₹10 lakh over 3–60 months with its own NBFC and 11 partner lenders, at a published 12–27.5% a year, with up to 5% charged to foreclose or part-prepay.
- 12% to 27.5% a year
- ₹3,000 to ₹10 lakh
Rates and charges
- Interest rate
- 12% to 27.5% a year
- Processing fee
- Up to 4.7% of the loan amount + GST
- Foreclosure
- Up to 5% of principal outstanding + GST
- Part-prepayment
- Up to 5% of principal prepaid + GST
What ₹1,00,000 for 12 months would cost
| At | EMI | Interest | Fee + GST | Total cost |
|---|---|---|---|---|
| Lowest rate (12%) | ₹8,885 | ₹6,619 | ₹5,546 | ₹12,165 |
| Highest rate (27.5%) | ₹9,626 | ₹15,514 | ₹5,546 | ₹21,060 |
Uses the highest published processing fee (4.7%) plus 18% GST. Try your own numbers in the EMI calculator.
Loan terms and eligibility
- Loan amount
- ₹3,000 to ₹10 lakh
- Tenure
- 3 months to 5 years
- Who can apply
- Salaried and Self-employed
- Minimum income
- ₹10,000 a month
- Age
- 21–60 years
- Disbursal (lender's claim)
- Disbursal within minutes; it advertises 10 minutes
- Who lends
- KrazyBee Services Limited, Northern Arc Capital Limited, MAS Financial Services Ltd, PayU Finance India Private Limited, Kisetsu Saison Finance (India) Private Limited, Piramal Finance Limited, Cholamandalam Investment and Finance Company Limited, Mirae Asset Financial Services (India) Pvt. Ltd., Tata Capital Limited, Oxyzo Financial Services Limited, Aditya Birla Capital Limited, Vivriti Capital Limited
- RBI digital lending apps directory
- Listed (as reported by the lender)
Apply with KreditBee
Apply nowVia our referral partner. We may earn a commission.CreditParakh is not a bank or lender and doesn't guarantee approval. Approval is at the bank's or lender's discretion. The lender decides your rate, amount and approval.
Work out your EMI with KreditBee's rates
Prefilled with KreditBee's lowest published rate and its highest published processing fee (4.7%). Change any number to match your offer.
Your loan
- Monthly EMI
- ₹8,885
- Total interest
- ₹6,619
- Processing fee + 18% GST
- ₹5,546
- Total cost of the loan
- ₹12,165
- Effective annual cost
- 22.98%
- Money in hand
- ₹94,454
- You pay back in 1 yr
- ₹1,12,165
Total cost = interest + processing fee + GST. Effective annual cost is the yearly rate you really pay on the money in hand, the way lenders work out the APR in a Key Fact Statement.
Same loan, different tenures
| Tenure | EMI | Total interest | Total cost (incl. fee + GST) | Effective annual cost |
|---|---|---|---|---|
| 12 months (yours) | ₹8,885 | ₹6,619 | ₹12,165 | 22.98% |
| 24 months | ₹4,707 | ₹12,976 | ₹18,522 | 17.82% |
| 36 months | ₹3,321 | ₹19,572 | ₹25,118 | 16.02% |
| 48 months | ₹2,633 | ₹26,402 | ₹31,948 | 15.10% |
| 60 months | ₹2,224 | ₹33,467 | ₹39,013 | 14.54% |
A longer tenure lowers the EMI but raises the total interest. A fixed fee costs more per year on a short loan.
Not sure this lender is right for you? See offers matched to your profile
Check your loan offersVia our referral partner. It uses your PAN, credit score and income to suggest lenders likely to approve you. Approval isn't guaranteed. We may earn a commission. CreditParakh is not a bank or lender and doesn't guarantee approval. Approval is at the bank's or lender's discretion.
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Questions people ask
What interest rate does KreditBee Personal Loan charge?
KreditBee publishes 12% to 27.5% a year. The rate you're offered depends on your credit score, income and the lender's own checks, and is usually above the starting rate.
What is KreditBee's processing fee?
Up to 4.7% of the loan amount + GST. GST at 18% is added to the fee.
Who actually gives the loan?
KreditBee is a lending app. The loan is given by KrazyBee Services Limited, Northern Arc Capital Limited, MAS Financial Services Ltd and 9 others, which are regulated by the RBI. Your Key Fact Statement names the exact lender.
Is KreditBee registered with RBI?
The Kreditbee app is listed in RBI's directory of digital lending apps, as reported by KrazyBee Services Limited and Kisetsu Saison Finance (India) Private Limited. The directory shows what lenders report; RBI doesn't vouch for the app. The app itself isn't a lender; the bank or NBFC behind it is regulated by RBI.
Can I close or prepay a KreditBee loan early?
Closing early: Up to 5% of principal outstanding + GST. Part-prepayment: Up to 5% of principal prepaid + GST.
Who can apply for a KreditBee personal loan?
Salaried and self-employed applicants. Minimum income ₹10,000 a month. Age: 21–60 years. Approval is at the lender's discretion.
How much does a ₹1,00,000 loan from KreditBee cost?
Over 12 months at the lowest published rate, about ₹12,165 in interest and fees (a 4.7% processing fee plus GST); at the highest published rate, about ₹21,060. Your EMI depends on the rate you're offered.
Related guides
- True Cost of a Personal Loan: Fees and APRWhat a personal loan really costs: flat vs reducing rate, processing fee and GST, APR in the Key Fact Statement, foreclosure and penal charges.
- CIBIL Score: Check Free, Improve in 90 DaysCheck your CIBIL score free with one full report a year from each bureau, dispute errors yourself, and build a better score with a 90-day checklist.
- True cost of a ₹1 lakh loan at every lenderInterest, processing fee and GST, side by side
Last verified 18 Oct 2026 on KreditBee's official page. Rates and fees change; check the lender's terms before you apply.