Regulated NBFCSalaried Employeesunsecured

KreditBee Personal Loan for Salaried

क्रेडिटबी पर्सनल लोन (वेतनभोगी)

KreditBee instant personal loan for salaried individuals up to ₹5 Lakhs in 10 minutes.

Max Loan Amount

₹10,000 to ₹5,00,000 (instant app disbursement)

Interest Rate

14.00% - 29.95% p.a. (risk-grade fixed)

Tenure

3 to 36 months

Processing Fee

Up to 3.50% to 5.00% of loan amount + GST

✦ What It Is: Product Architecture & Regulatory Scope

KreditBee's (KrazyBee Services) digital personal credit app providing rapid unsecured loans for salaried professionals with 10-minute automated bank disbursals.

What is Missing: Honest MITC Policy Gaps, Hidden Clauses & Extra Charges

Eligo consumer protection notice: Bank brochures, DSA telecallers, and comparison portals rarely disclose these conditions. Read carefully before signing.

• High processing fees of 3.5% to 5% + GST deducted upfront. • High interest rates up to 29.95% p.a. for non-prime salaried profiles. • Late payment penalties and high bounce charges of ₹500+.

✦ Key Benefits & Features

• Disbursal in under 10 minutes directly into bank account • 100% digital paperless application via KreditBee app • Low minimum loan quantum starting from ₹10,000 • Simple digital salary verification via netbanking / bank statement.

✦ Prepayment, Part-Payment & Foreclosure Rules

Prepayment allowed after 3 months with 2% to 4% fee + GST.

✦ Eligibility Requirements

Salaried employees in private or government entities. Min Age: 21, Max Age: 50. Min Net Monthly Salary: ₹10,000. Min CIBIL: 650.

Min Age21 Years

Max Age50 Years

Min Monthly Income₹10,000

Min CIBIL Score650+

✦ Documents Required

• Completely paperless (PAN, Aadhaar, and digital bank statement).

✦ Exact How-To-Apply Process (3 Pathways)

Depending on your current relationship with the bank, select the corresponding application journey:

Pathway A

Existing / Pre-Approved Customers

1. Open KreditBee App > Personal Loan banner. Select amount and tenure, complete OTP authentication. Disbursed in 5 minutes.

Pathway B

New Online Applicant (Fresh Digital)

1. Download KreditBee App. Enter PAN, mobile number, verify income via bank statement, and set up e-NACH.

Pathway C

Branch Walk-In Application

Not applicable — app-only STP digital journey.

Official Sourcing & MITC Verification

180-Day Re-Verification SLA · Last Verified: 2026-09-28

Eligo does not collect personal loan applications, sell user data to DSA telecallers, or receive affiliate commissions. All terms shown are extracted directly from official bank circulars, Most Important Terms and Conditions (MITC), and Key Fact Statements (KFS) under RBI guidelines.

Visit Official Lender Portal (KreditBee Official Portal)View Official MITC / Schedule of Charges RBI Key Fact Statement (KFS) Reference

Frequently Asked Questions on KreditBee Personal Loan for Salaried

What is the minimum salary required for KreditBee?

A minimum monthly salary of ₹10,000 is required.

How fast is the money transferred?

Directly into your bank account within 10 minutes upon digital approval.

Can I prepay my loan?

Yes, prepayment is allowed after payment of 3 EMIs with nominal charges.