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KreditBee Personal Loan Highlights |
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| Interest Rates | Up to 29.95% p.a. |
| Tenure | 62 days to 2 years |
| Loan Amount | Rs 1,000 to Rs 4 lakh |
| Processing fees |
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| Minimum Net Monthly Income |
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Note: Rates as of 5th June 2023
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Table of Contents
KreditBee Personal Loan Interest Rates
The interest rates for KreditBee Personal Loan goes up to 29.95% p.a.
| Particulars | Interest Rates (p.a.) |
| Flexi Personal Loan | 18.00% – 29.95% |
| Personal Loan for Salaried | 15.00% – 29.95% |
| Online Personal Loan/E-Voucher Loan | Up to 24.00% |
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Compare Interest Rate for Personal Loans from Top Banks and NBFCs
| Banks/NBFCs | Interest Rates(p.a.) | |
| HDFC Bank | 10.50% onwards | Apply Now |
| SBI | 11.00%-15.00% | |
| ICICI Bank | 10.50% onwards | Apply Now |
| Axis Bank | 10.49% onwards | Apply Now |
| Kotak Mahindra Bank | 10.99% onwards | Apply Now |
| IndusInd Bank | 10.49% onwards | Apply Now |
| IDFC First Bank | 10.49% onwards | Apply Now |
| Bajaj Finserv | 11.00% onwards | Apply Now |
| Tata Capital | 10.99% onwards | Apply Now |
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Also Read: Check the personal loan interest rates offered by top banks and NBFCs
Processing Fees and Charges
| Particulars | Rates |
| Processing fees* |
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| Convenience fees** |
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| Penalty Charges for Auto Debit | Rs 100 |
| Late Payment Charges | Flexi Personal Loan:
Personal Loan for Salaried:
Online Purchase Loan/E-Voucher Loan:
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*charges are indicative and may change based on an individual’s profile. It is deducted from the loan amount upfront
**excluding GST and other applicable taxes
Also Read: What is the processing fees and charges on personal loans for top banks and NBFCs?
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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 15 minutes of application
- Tenure: 2 months (minimum 62 days) to 6 months
- Loan Amount: Rs 1,000 – Rs 10,000 (Based on the repayment track record and other factors, borrowers can increase their loan amount eligibility to Rs 1 lakh at later stages)
- Interest Rate: 18.00% – 29.95% p.a.
- Minimum Salary requirement: More than 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: 3 months to 2 years
- Loan Amount: Rs 10,000 to Rs 4 lakh
- Interest Rate: 15.00% – 29.95% p.a.
- 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
Online Purchase Loan/E-Voucher Loan
- Online Purchase Loan/E-Voucher Loan is offered to salaried individuals for financing their shopping on KreditBee partner platforms. They can register on KreditBee and make an upfront down payment to avail E-Vouchers on EMI to shop on multiple online platforms.
- Tenure: The E-Voucher expires within a year from the date of issue
- Loan Amount: The E-Voucher loan amount should be within the assigned credit limit (available on the KreditBee app) and the down payment amount selected for purchasing the product.
- Interest Rate: Up to 24% p.a.
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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 45 years
Personal Loan for Salaried
- Indian Citizen
- Minimum Salary requirement: Rs 15,000 per month (net)
- Age: 21 to 45 years
- Work Experience: At least 3 months (in the current organization)
Online Purchase Loan/E-Voucher Loan
- Indian Citizen
- Age: above 21 years
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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
Online Purchase Loan/E-Voucher Loan
- PAN Card
- KYC Address Proof
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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 080-4429-2200 (call charges applicable)
- You can send an email on help@kreditbee.in
- You can send a letter on 3rd Floor, No.100, The Royal Stone Tech Park, Benninganahalli, K.R.Puram, Bengaluru, India – 560016