Avail Instant Personal Loans ✓ Loan up to 50 Lakhs ✓ Quick Disbursal ✓ Minimum Documentation!

KreditBee allows you to avail a personal loan quickly, with minimal documentation, using their mobile and web-based platform. The KreditBee loan may be the right choice for you if you want to access funds immediately for your urgent needs.


The KreditBee Personal Loan is an option you can access with ease. In fact, you can avail of it even if you are relatively new to credit, and you can apply for this personal loan online. But before you do, check out a few basic details about the KreditBee personal loan.

KreditBee Personal Loan Details

Interest Rate

15% p.a. onwards

Loan Amount

₹1,200 to ₹4 Lakhs

Loan tenure

Up to 24 months

Minimum Monthly Income


Disclaimer: The interest rate mentioned is subject to change at the lender’s discretion.

KreditBee Personal Loan Interest Rate

With KreditBee, you get to enjoy loans at competitive interest rates, allowing you to save significantly on interest charges. The KreditBee personal loan interest rate starts from as low as 15% per annum.


Banks generally offer a high personal loan interest rate if your credit score is low. On the other hand, you can still get a competitive KreditBee loan interest rate even if you don’t have an excellent score. 


However, before applying for a personal loan, compare KreditBee's interest rates with offers from other banks and lending applications. This will help you make an informed decision about which one is the best offer for your financial requirement.

KreditBee Processing Fees & Charges

The following table showcases the KreditBee processing fee and other associated charges:

KreditBee Processing Fees and Charges

Processing Fee

  • Up to 6% of the loan amount, starting from ₹500, for Personal Loans for Salaried persons
  • Up to ₹1,250 for Flexi Personal Loan

Convenience Fee

  • No fees for IMPS/NEFT transfer
  • ₹6-₹15 per transaction for Net Banking
  • 0.90% of the amount for Debit Card transactions of above ₹2,000
  • ₹5-₹11 per transaction for UPI transactions

Late Payment Fees

  • ₹500 and a per-day penalty charge of 0.15% of the instalment amount for Personal Loans for Salaried persons
  • ₹10-₹200 and a per-day penalty charge of ₹5-₹75 for Flexi Personal Loan

Disclaimer: The processing fees and other charges are subject to KreditBee’s policy changes. Check the lender’s website before applying for the loan.

KreditBee Loan: Eligibility Criteria

Eligibility criteria to avail kreditBee instant loan are:


  • You must be a citizen of India

  • You must be above 21 years of age

  • Your net monthly salary must be at least ₹10,000

  • Your Aadhaar Card must be linked to your mobile number

KreditBee Loan: Documents Required

The list of documents required for a KreditBee loan is given below:


  • ID proof: PAN Card

  • Income proof: Bank statement/Salary slip

  • Address proof: Aadhaar Card, Passport

  • Proof of Employment

Calculate Your EMI

Loan Amount
  • Months
  • Years
Rate of Interest

Your monthly EMI is

at % interest rate for months

Total Amount Payable
Principal Amount
Total Interest
Year Principal Interest Balance

Features and Benefits of KreditBee Personal Loan

The following are some of the notable features and benefits that you get to enjoy with the KreditBee personal loan:


  • Complete versatility in usage: A KreditBee instant personal loan allows you to use the funds for a variety of purposes. Medical crises, travel bills, mid-month cash crunches, and other unforeseen expenses can all be covered with these funds.

  • No collateral: A personal loan is an unsecured loan, which means it does not require any kind of security or collateral, such as stocks, cash, or other assets.

  • Easy Application Process: The entire application procedure is based on simplicity, with features like little documentation and a repayment tenure of up to 24 months.

  • Fast disbursement: Depending on your qualifications, a personal loan application can be approved in a few minutes. 

Comparison of KreditBee Personal Loan Interest Rates with Other Partner Lenders

The following table presents the interest rate offered by our other partner lenders. You can compare them with the KreditBee loan interest rate to make an informed decision about which loan offer to choose:

Name of bank

Rate of interest (p.a., onwards)

Axis Bank


Bajaj Finance Limited






Fullerton India








L&T Financial Services




Muthoot Finance


PaySense Partners



1.5% per month 

YES Bank


Disclaimer: The interest rates in the above table are indicative and might change depending on the bank or NBFC.

Know How KreditBee Personal Loans Can Help You

You can use the KreditBee personal loan amount for various purposes like to cover expenses related to:


  • Travel

  • Wedding

  • Education

  • Shopping

  • Gifting

  • Home Renovation

In addition, as this loan is disbursed within minutes, you can use them to cover any emergency needs like medical expenses. You can also use the personal loan EMI calculator on Bajaj Markets to find a sanction with suitable terms. 

How to Apply for KreditBee Personal Loan?

Any Indian individual who is salaried with monthly income of minimum Rs. 10,000 and is above the age of 21 years, may apply for a KreditBee Personal Loan through the Bajaj Markets. Simply follow the steps below:


  • Filling Details Online: Enter your personal and professional details

  • Select your Lending Partner: From the list of loan offers, select KreditBee to proceed

  • Specify Personal Loan Details: Select the loan amount and repayment tenure as per your choice

  • Approval & Disbursal: Get online approval in 2 minutes and money in your bank within 15 mins

Do note that the lender’s personal loan eligibility terms can affect your chances of getting approval. So, check the requirements before applying. 

KreditBee Personal Loan Customer Care Details

You can contact KreditBee personal loan customer support through the following channels:


  • KreditBee personal loan customer care number: 080-44292200 / 080-68534522

  • Email: help@kreditbee.in

  • Office Address: KreditBee, 16/3, Adarsh Yelavarthy Centre, opp to Frank Anthony School, Cambridge Layout, Jogupalya Bangalore Karnataka, India- 560008

FAQs on KreditBee Personal Loan

  • ✔️How many days will it take for my personal loan to get disbursed?

    If your KreditBee personal loan application is approved, you can expect to receive funds in your bank account within minutes.

  • ✔️Where can I know about my monthly repayment schedule?

    You may access your payback schedule by logging into the KreditBee app.

  • ✔️How can I repay my personal loan?

    KreditBee accepts Net Banking, Debit Card, and UPI payments.

  • ✔️Can I avail two or more loans simultaneously at KreditBee?

    In the case of a KreditBee personal loan, this service is currently unavailable.

  • ✔️Is the KreditBee Personal loan approved by RBI?

    Yes, all loans offered by KreditBee, including the KreditBee personal loan, are approved and sanctioned by the RBI.

  • ✔️Is it possible to reschedule or postpone my EMI date?

    No, you cannot reschedule or postpone your EMI date for your KreditBee personal loan.

  • ✔️What is the minimum personal loan that can be availed in KreditBee?

    The minimum amount that you can avail of as a KreditBee personal loan is ₹1,200.