Loans Made Simple
Fast, Safe, and Hassle-Free Path to Instant Loans
Quick approvals, minimal documentation, and flexible repayment options customised for you.
Apply Now For LoanInstant Approval
Get your loan approved within hours, not days.
Simple Application
A fast, paperless process designed for your convenience.
No Hidden Fees
Transparent loans with no extra charges or surprises.
Fast Approvals. Flexible Plans.
Ready to Get Your Loan Approved?
Getting your loan is just a few clicks away. Fill out the form to apply now and experience a simple, fast, and secure borrowing process. With minimal documentation, instant approvals, and flexible repayment options, KreditBharat makes it easy to get the funds you need.
Minimum Salary Required is ₹15,000.
Only for salaried people
We provide loans to salaried professionals only.
95%
Clients Satisfaction!
Your Reliable Partner for Instant Loans
Lending Made Simple and Transparent with KreditBharat
KreditBharat brings together the power of technology and a deep understanding of your financial needs. We’ve streamlined the loan process to make it faster and easier than ever, from online applications to instant approvals and direct disbursals. Whether it’s an emergency or a personal goal, we’re here to help you achieve it without the wait.
7+ Years of Experience
Over 50,000 Loans Approved
95% Customer Satisfaction
95% Customer Satisfaction
Your Loan Journey, Made Simple
Get Your Loan in Just 4 Simple Steps
STEP
Apply Online
Fill out our simple application form in just a few minutes.
STEP
Submit Documents
Upload minimal documents for quick verification.
STEP
Instant Approval
Our team reviews your application and approves it fast.
STEP
Quick Disbursal
Funds are transferred directly to your bank account.
Rate & Charges
- Minimum Loan Amount - ₹50,000/-
- Maximum Loan Amount - ₹5,00,000/-
- Tenure - 6 to 60 Months
- Processing Fees - 2% to 5% of Loan Amount Processing fee will be deducted from the approved loan amount.
Rate & Charges
- No pre-closure charges
- No pre-payment charges
- ROI (Rate of Interest) – 11% per annum
- APR (Annual Percentage Rate) – 11% per annum
- Check Bounce Charges: ₹500/-
How is APR determined?
Annual Percentage Rate (APR) is determined based on your credit score, the amount you wish to borrow and your steady income. Generally, a good CIBIL score calls for a low APR while a poor CIBIL score means high APR. But we have a fixed APR which is same for all.
Working of Our Rates and Fees
APR reflects the true rate of borrowing money. It includes the annual interest rate, a nominal processing fees and other miscellaneous expenses. APR is usually lower than your credit card interest rate. APR is the actual cost of your loan that helps you compare various loan offers from different lenders. We have a fixed APR 240% to 365% per annum
How does it works?
Enter the details
- Name
- Email Address
- Mobile Number
Send Your Documents
- Aadhar Card
- PAN Card
- Salary Slip
Approval & Disbursal
- Get the approval
- Disbursal in a few hours
- Repay the loan as per the tenure
Eligibility Criterion
- Interest Rate: 11% p.a. onwards
- Loan Pre-Closure Fee: Nil
- Loan Amount: Starting from ₹50,000
- Loan Tenure: 6 months to 60 months
Our Rates & Fees
- Resident of India
- Salaried or Self Employed
- Age 18 to 55 Years
- Bank Account Holder
Documents Required
-
If Electricity Bill or Property Tax Receipt is in Applicant's
Name:
- Aadhaar Card
- PAN Card
- Passport Size Photo
- Bank Statement or Cancelled Cheque
-
If Electricity Bill or Property Tax Receipt is NOT in Applicant's
Name:
- Applicant’s Aadhaar Card
- Applicant’s PAN Card
- Applicant’s Passport Size Photo
- Aadhaar / PAN / Passport Size Photo of the Bill Holder
Documents Required & Eligibility Criterion
Eligibility Criterion
- Filled Loan Application
- Identification Proof (PAN Card/Aadhar Card/Voter ID/ Driving Licence/ Passport)
- Residence Proof ( Utility / Electricity Bill or Property Tax Receipt)
- Bank Statements (6 Months Bank Statements)
- Income Documents (Last 3 Months Salary Slips)
- Applicants must have worked in a company for atleast 6 months
Documents Required
- Indian Citizen
- Employment Salaried or Self Employed
- Age - 18 years and above
- Savings Bank Account Holder
- CIBIL Score of 620 and above
- Consistent Monthly Income of ₹15,000/-
Payment Example (Minimum Tenure: 6 Months)
| Loan Amount | APR | Tenure | Interest Amount | Processing Fee % | Processing Fee | GST (18%) | Net Disbursed Amount | Total Repay Amount |
|---|---|---|---|---|---|---|---|---|
| ₹15,000 | 11% p.a. | 6 Months | ₹825 | 2% | ₹300 | ₹54 | ₹14,646 | ₹15,825 |
| ₹15,000 | 11% p.a. | 6 Months | ₹825 | 5% | ₹750 | ₹135 | ₹14,115 | ₹15,825 |
OUR TESTIMONIALS
Real Stories. Real Experiences. Real Trust.
Our customers are at the heart of everything we do. From handling unexpected expenses to achieving personal goals, we have helped thousands get the funds they need quickly and without hassle. Here’s what they have to say about their experience with KreditBharat.
Apply Now For Loan“It’s my pleasure to appreciate the services of the KreditBharat loan app as it helped me a lot get a loan, especially when I was much needed. There were no difficulties or no need to visit the office. I got it through the App only, and it was entirely automated. The application, documentation, approval, and disbursal were processed in a few hours. Thanks to the KreditBharat for instant support.”
“ Getting a loan became easy for me because of the KreditBharat. It is entirely online, and the loan process from application to receiving the loan amount is easy. The complete process was accomplished in A few hours. Whatever documents were required were presented by me, and I got the approval for the loan on the same day. I suggest all my friends go through the KreditBharat whenever you need financial help.”
“Thanks to the KreditBharat, which solved my cash requirements in a few minutes and saved my time. The entire process was smooth and easy, from the application to the loan approval. I got the disbursal in my account just after a few hours. I suggest all my friends choose the KreditBharat for instant financial help.”
The Smarter Way to Borrow Money Fast
Why Choose KreditBharat?
At KreditBharat, we go beyond just lending. We focus on creating a seamless, transparent, and secure borrowing experience tailored to your needs. With us, you get the funds you need without the stress or the wait.
Fast Approvals
No long waits — get your loan reviewed, approved, and disbursed within hours, so you can handle what matters most without unnecessary delays.
Flexible Options
Borrow the exact amount you need with personalized repayment plans designed to fit your budget, lifestyle, and financial situation.
Complete Transparency
Clear terms, no hidden fees, and full visibility at every stage — you’ll always know exactly what you’re signing up for, with zero surprises.
Trusted & Secure
Your data and finances are protected with top-level encryption, ensuring a safe, worry-free lending experience from application to disbursal.
Your Trust is All We Need
Collateral-Free Loans Designed for Your Convenience
At KreditBharat, we believe getting the financial support you need shouldn’t come with added risks. That’s why we offer collateral-free loans, giving you access to funds without pledging your valuable assets. Whether it’s for an emergency, a personal project, or unexpected expenses, our unsecured loans provide peace of mind with a fast and simple borrowing experience.
Our streamlined process focuses on trust and convenience. With minimal documentation, quick approvals, and flexible repayment options, you can get the money you need without the hassle of traditional loans. No security, no complex paperwork—just a straightforward loan tailored to your needs.
Apply Now For Loan