क्रेडिटबी पर्सनल लोन (स्वरोजगार)
KreditBee instant personal loan for self-employed individuals and small traders up to ₹3 Lakhs.
💳उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)
उत्पाद का संक्षिप्त विवरण
Short-term digital credit facility from KreditBee for self-employed individuals, small shopkeepers, and gig workers to bridge working capital or personal cash shortages.
प्रमुख लाभ एवं विशेषताएं
• Disbursal in under 15 minutes directly to bank account • No audited financials required for small ticket sizes • 100% paperless onboarding via mobile app • Flexible tenures from 3 to 24 months.
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें एवं आय आवश्यकताएं
Self-employed individuals and shop owners with regular bank account credits. Min Age: 21, Max Age: 50. Min Monthly Turnover: ₹15,000. Min CIBIL: 650.
प्रीपेमेंट एवं फोरक्लोजर नियम (Prepayment & Foreclosure)
Prepayment allowed after 3 months with 3% fee + GST.
📂आवश्यक दस्तावेज (Required Documents)
• Completely paperless (PAN, Aadhaar, and digital bank statement).
⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Hidden Costs)
• Higher interest rate floor (starts at 16% p.a.). • Maximum loan quantum capped at ₹3 Lakhs. • High processing fees deducted upfront.
🚀आवेदन के चरण (How to Apply)
1. Open KreditBee App > Self-Employed Loan banner. Select amount and e-sign via OTP.
1. Download KreditBee App. Enter PAN, business details, verify bank statements, and complete digital KYC.
Not applicable — app-only digital product.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
Do I need ITR for KreditBee self-employed loan?
For smaller ticket loans up to ₹1 Lakh, ITR is not mandatory; bank statement analysis suffices.
How quickly are funds disbursed?
Within 15 minutes directly to your verified bank account.
What is the maximum tenure?
Up to 24 months (2 years).