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KreditBee Personal Loan 2026
Interest rate, eligibility, documents & fees
- Interest Rate
- 17%–29.95%
- Loan Amount
- Up to ₹5 lakh
- Tenure
- 3–24 mo
KreditBee Personal Loan — Key Details
Last reviewed August 2026
- Interest rate
- 17% – 29.95% p.a.
- Loan amount
- ₹1,000 – ₹5 lakh
- Tenure
- 3 – 24 months
- Processing fee
- 2%–6%
- Minimum CIBIL score
- No minimum (new-to-credit accepted)
- Minimum monthly income
- ₹10,000
- Age
- 21 – 45 years
- Employment type
- Salaried, Self-Employed, New-to-Credit
KreditBee Personal Loan EMI
Monthly EMI at the starting rate of 17% p.a. Your rate may be higher.
| Loan amount | 12 months | 24 months |
|---|---|---|
| ₹1,00,000 | ₹9,120 | ₹4,944 |
| ₹3,00,000 | ₹27,361 | ₹14,833 |
| ₹5,00,000 | ₹45,602 | ₹24,721 |
KreditBee Personal Loan Eligibility
- Age 21–45 years
- Monthly income ≥ ₹10,000
- No minimum CIBIL (NTC welcome)
- Valid Aadhaar and PAN
- Active smartphone
Documents Required for KreditBee Personal Loan
Salaried
- PAN Card
- Aadhaar Card
- Selfie for video KYC
Self-Employed
- PAN Card
- Aadhaar Card
- Bank statements (3 months)
Pros & Cons
Advantages
- Zero CIBIL requirement — NTC welcome
- Low income requirement (₹10k/month)
- Micro loans from ₹1,000
- Money in 15 minutes
- 100% app-based
Watch out for
- Very high rates (up to 29.95%)
- High processing fee (up to 6%)
- Small max loan (₹5L)
- Short tenure only (max 24 months)
How to Apply for a KreditBee Personal Loan
KreditBee's own application process
- 1Download KreditBee app
- 2Register with Aadhaar OTP
- 3Enter income and employment details
- 4Complete eKYC (5 minutes)
- 5Get personalised loan offer
- 6Accept and receive money in 15 minutes
Not sure KreditBee is right for you? Compare offers from RateCut's lending partners first.
Compare OffersKreditBee Personal Loan — FAQs
What is the KreditBee personal loan interest rate?
KreditBee personal loan interest rates range from 17% to 29.95% p.a. (last reviewed August 2026). The rate you get depends on your credit score, income, employer and loan amount.
What is the minimum salary for a KreditBee personal loan?
KreditBee requires a minimum monthly income of about ₹10,000. It lends to: Salaried, Self-Employed, New-to-Credit.
What is the processing fee for a KreditBee personal loan?
KreditBee charges a processing fee of 2%–6%, plus 18% GST. It is usually deducted from the loan amount at disbursal.
What CIBIL score is needed for a KreditBee personal loan?
KreditBee considers applicants with no credit history (new-to-credit), using alternative data to assess them. A good repayment record will help you get better terms later.
How long does KreditBee take to disburse a personal loan?
As per KreditBee's stated process: Accept and receive money in 15 minutes. Existing customers with pre-approved offers are usually faster.
Is KreditBee regulated by the RBI?
KreditBee is a digital lending platform that lends through RBI-regulated entities and must follow RBI's fair practices and digital lending guidelines.
Compare KreditBee with other lenders
Get matched with RBI-registered lenders. Checking offers doesn't affect your CIBIL score.
Figures last reviewed August 2026 and shown for information only. Interest rates, fees and eligibility are set by each lender and depend on your credit profile — confirm the final terms in the lender's Key Fact Statement before you sign. RateCut is a loan marketplace, not a lender.