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KreditBee Personal Loan
| KreditBee Personal Loan Highlights | |
| Interest Rate | 12% – 28.5% p.a. |
| Loan Amount | Rs. 6,000 to Rs. 10 lakh |
| Repayment Tenure | From 6 months to 5 years |
| Processing Fee | Up to 5.1% of the loan amount + GST |
Note: Interest Rate updated as of 2 June 2025.
KreditBee Personal Loan Interest Rates in 2025
KreditBee offers personal loans at an interest rates ranging from 12% to 28.5% per annum, depending on various factors, such as your credit score, income, employment, employer’s profile, loan amount, and chosen repayment tenure.
Eligibility Criteria
To be eligible for a KreditBee personal loan, you must meet the following criteria:
- Age to be 21 years and above
- Minimum Net Monthly Income of Rs. 10,000
- Monthly household income more than Rs. 25,000
- Work Experience: Min. 2 months in your current company
Required Documents
To apply for a KreditBee personal loan, you shall need to provide below mentioned documents based on your employment status:
- Passport-sized photographs
- Applicant’s PAN
- Address Proof (Permanent & Current Address)
- Income Proof (Bank Statements reflecting Monthly Income)
- Employment Proof for salaried employees (Salary Slip / Office ID / UAN authentication)
Fees & Charges
Find below comprehensive breakdown of KreditBee’s personal loan fees and charges for your consideration.
| Particulars | Charges |
| Processing Fees | Up to 5.1% + GST |
| Foreclosure charges | 4% of principal outstanding + GST |
| Part-Prepayment Charges | 4% of principal prepaid + GST |
| Penal Charges | For 2-180 days: 36% per annum on principal overdue + GST |
| EMI Bounce Charges | 1st Day – 4% of principal overdue or ₹500, whichever is lower |
KreditBee Personal Loan Repayment Options
KreditBee offers flexible personal loan repayment options to its customers. Find below the typical loan repayment options:
- Tenure: KreditBee usually offers personal loan tenures ranging from 6 months to 5 years depending upon your loan type and eligibility.
- EMIs: Repayment option of EMIs are widely chosen by borrowers that include both principal and interest amount. EMIs are calculated on the basis of offered interest rates, loan amount and chosen repayment tenure.
- Repayment mode: UPI, Net Banking, Debit card, Wallets (if integrated) and Auto-debit from bank account (via eNACH mandate)
FAQs on KreditBee Personal Loans
What are the current interest rates for KreditBee personal loans?
The personal loan interest rates offered by KreditBee to salaried and self-employed professionals is 12% – 28.5% p.a. However, the exact interest rate shall depend upon your creditworthiness, income, employment, existing credit, etc.
What is the maximum personal loan amount I can get from KreditBee?
You can avail the maximum loan amount up to Rs. 10 lakh from KreditBee lending platform.
How do I check my KreditBee Personal Loan Eligibility?
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.
Can I get instant approval on KreditBee personal loans?
Yes, you can apply and avail instant personal loan through this web platform once you meet the eligibility criteria set by KreditBee.
What is the minimum CIBIL score required for KreditBee personal loan?
There no minimum CIBIL score criteria set by KreditBee. You can avail personal loans from KreditBee even with low CIBIL score or no credit history, though at higher interest rates.
What documents are needed to apply for personal loan through KreditBee?
Documents required to apply for personal loan include identity, address and income proofs. These may collectively include your PAN card, Aadhaar card, Passport, Driving License, last 3 months’ bank statement, employment details, company ID, UAN authentication, etc.
Are there any part-payment or foreclosure charges?
Certainly, there are charges that lenders charge for part-payment and foreclosure of loan that include 4% of the principal outstanding for foreclosing your loan and 4% of principal pre-paid for part-payment plus GST.