
Here are a few factors
Location | PAN INDIA |
CIBIL Score | 550+ |
Minimum Salary Per Month | 16000+ |
Salary Mode | NEFT,RTGS,COMPANY TRANSFER,IMPS,CHEQUE & UPI |
Applicant Age | 18 Year to 60 Year |
Loan Amount & Tenure | 1000
to 3 Lac (Upto 4 Month) |
Rate of Interest (Type) | 1.5% to 3% (Fixed) |
Processing Fees | 6% of loan amount |
Processing Mode & TAT | Processing:
Online TAT: 5 Min to 48 Hour |
Foreclosure Charges | NIL Charges |
Part Payment Allowed | No |
OD Product | No |
BT+TopUp | No |
Minimum Job Experience | Not Required |
Current Employer Business Vintage | 3 Month Salary credit in ac |
FOIR | 65% of salary |
Whether Co-Applicant Mandatory | No |
USP | No Negative Profile |
Negative Profile | 1.
NRI Employee 2. Cash Salary |
kreditbee personal loan EMI Calculator
Interest Type
Loan Amount
Interest Rate
Loan Tenure
Loan Amount | ₹100,000 |
Interest % | 1 % |
Tenure (months) | 12 |
Emi (monthly) | ₹ 8,379 |
Total Interest | ₹ 542 |
Loan Amount + Interest | ₹ 100,542 |
Year | Total Principal ( A ) | Total Interest ( B ) | Balance ( A + B) | Total Payment | Loan Paid Till Date (%) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
₹ 24,908 | ₹ 229 | ₹ 25,137 | ₹ 75,092 | 24.91 % | |||||||||||||||||||||||||||||||||||||||||||||||||||||||
| |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
₹ 75,096 | ₹ 315 | ₹ 75,411 | ₹ 0 | 100.00 % | |||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
Required Documents to Apply for Kreditbee Personal Loan
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KYC of Applicant (Adhar Card+Pan Card+Passport Size Photo)
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Last 3 month Salary Slip
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Last 6 month Bank Statement in PDF
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Form 16 of last 2 year
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Rent Agreement if rented or Utility Bill if residence is owned
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Sanction Letter of all current running loan if any
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Office ID Card or Official EMAIL ID if any
Features
You might be wondering what an instant loan is and why you should take only from KreditBee. Here are the explanations.
Flexible repayment tenure
Cash transfer in minutes
Interest only on the amount used
7 No Credit History Required
Global Standard of Security
No paperwork
Note : *Credit history required if you are residing in New Delhi, Uttar Pradesh, Bihar, Odisha, Jharkhand, Chattisgarh and West Bengal.
Instant Loan Approval
If you've run out of money but still need some cash to keep going, an unexpected expense hits, or you just don't have the cash in hand, a personal loan may be your best option. Are you looking for an easy way to get a loan for your personal expenses? From home renovation to wedding expenses, KreditBee can help you finance all your needs with an instant Personal Loan. Here's a handy guide on everything you need to know about Personal Loans, and how you can apply with us. If you have a poor or no credit score, do not worry! Just go to KreditBee and apply for a loan now. No other credit institution can give you personal loans just like KreditBee does. Let’s discuss some of the basic details of KreditBee instant loans that will help you make an informed decision
kreditbee Customer Care
Your Financial Stability is Just a Few Steps Away

Visit Our Website
For the first step, you will have to visit our website to explore the loan options that fit your needs.
Select and Apply
Once you shortlist the loan you have been looking for, apply for it, and proceed with the further process.
Submit Your Document
One of the most important steps. Now you will have to submit all the required documents digitally.
Enjoy Your Financial Freedom!
Once your application is approved based on your eligibility, the amount will be disbursed to your account shortly.

Let us take an example, How EMI is being calculated
For instance, if "Shubham" applies for a Personal loan of INR 1 Lacs and get the loan sanctioned at the rate of 15 % with a tenure range of 36 Months , in such a case his EMI would be INR 3,467 and complete repayment amount till the end of 36 Months tenure would be INR 1,24,795 (i.e 3,467 EMI * 36 Months), wherein the total interest amount is INR 24,795 along with principal repayment of INR ₹1,24,795 . Few additional charges like those of minimal one-time processing fee upto 2-3% of loan amount may apply. T & C apply.Year | Principal (A) |
Interest (B) |
Total Payment (A + B) |
Balance | Loan Paid To Date |
---|---|---|---|---|---|
2022 | ₹ 11,363 | ₹ 5,969 | ₹ 17,333 | ₹ 88,637 | 11.36% |
Aug | ₹ 2,217 | ₹ 1,250 | ₹ 3,467 | ₹ 97,783 | 2.22% |
Sep | ₹ 2,244 | ₹ 1,222 | ₹ 3,467 | ₹ 95,539 | 4.46% |
Oct | ₹ 2,272 | ₹ 1,194 | ₹ 3,467 | ₹ 93,267 | 6.73% |
Nov | ₹ 2,301 | ₹ 1,166 | ₹ 3,467 | ₹ 90,966 | 9.03% |
Dec | ₹ 2,329 | ₹ 1,137 | ₹ 3,467 | ₹ 88,637 | 11.36% |
2023 | ₹ 30,332 | ₹ 11,266 | ₹ 41,598 | ₹ 58,305 | 41.70% |
Jan | ₹ 2,359 | ₹ 1,108 | ₹ 3,467 | ₹ 86,278 | 13.72% |
Feb | ₹ 2,388 | ₹ 1,078 | ₹ 3,467 | ₹ 83,890 | 16.11% |
Mar | ₹ 2,418 | ₹ 1,049 | ₹ 3,467 | ₹ 81,472 | 18.53% |
Apr | ₹ 2,448 | ₹ 1,018 | ₹ 3,467 | ₹ 79,024 | 20.98% |
May | ₹ 2,479 | ₹ 988 | ₹ 3,467 | ₹ 76,545 | 23.45% |
Jun | ₹ 2,510 | ₹ 957 | ₹ 3,467 | ₹ 74,036 | 25.96% |
Jul | ₹ 2,541 | ₹ 925 | ₹ 3,467 | ₹ 71,495 | 28.51% |
Aug | ₹ 2,573 | ₹ 894 | ₹ 3,467 | ₹ 68,922 | 31.08% |
Sep | ₹ 2,605 | ₹ 862 | ₹ 3,467 | ₹ 66,317 | 33.68% |
Oct | ₹ 2,638 | ₹ 829 | ₹ 3,467 | ₹ 63,679 | 36.32% |
Nov | ₹ 2,671 | ₹ 796 | ₹ 3,467 | ₹ 61,009 | 38.99% |
Dec | ₹ 2,704 | ₹ 763 | ₹ 3,467 | ₹ 58,305 | 41.70% |
2024 | ₹ 35,208 | ₹ 6,390 | ₹ 41,598 | ₹ 23,097 | 76.90% |
Jan | ₹ 2,738 | ₹ 729 | ₹ 3,467 | ₹ 55,567 | 44.43% |
Feb | ₹ 2,772 | ₹ 695 | ₹ 3,467 | ₹ 52,795 | 47.20% |
Mar | ₹ 2,807 | ₹ 660 | ₹ 3,467 | ₹ 49,988 | 50.01% |
Apr | ₹ 2,842 | ₹ 625 | ₹ 3,467 | ₹ 47,147 | 52.85% |
May | ₹ 2,877 | ₹ 589 | ₹ 3,467 | ₹ 44,270 | 55.73% |
Jun | ₹ 2,913 | ₹ 553 | ₹ 3,467 | ₹ 41,356 | 58.64% |
Jul | ₹ 2,950 | ₹ 517 | ₹ 3,467 | ₹ 38,407 | 61.59% |
Aug | ₹ 2,986 | ₹ 480 | ₹ 3,467 | ₹ 35,420 | 64.58% |
Sep | ₹ 3,024 | ₹ 443 | ₹ 3,467 | ₹ 32,397 | 67.60% |
Oct | ₹ 3,062 | ₹ 405 | ₹ 3,467 | ₹ 29,335 | 70.67% |
Nov | ₹ 3,100 | ₹ 367 | ₹ 3,467 | ₹ 26,235 | 73.76% |
Dec | ₹ 3,139 | ₹ 328 | ₹ 3,467 | ₹ 23,097 | 76.90% |
2025 | ₹ 23,097 | ₹ 1,169 | ₹ 24,266 | ₹ 0 | 100.00% |
Jan | ₹ 3,178 | ₹ 289 | ₹ 3,467 | ₹ 19,919 | 80.08% |
Feb | ₹ 3,218 | ₹ 249 | ₹ 3,467 | ₹ 16,701 | 83.30% |
Mar | ₹ 3,258 | ₹ 209 | ₹ 3,467 | ₹ 13,443 | 86.56% |
Apr | ₹ 3,298 | ₹ 168 | ₹ 3,467 | ₹ 10,145 | 89.86% |
May | ₹ 3,340 | ₹ 127 | ₹ 3,467 | ₹ 6,805 | 93.19% |
Jun | ₹ 3,381 | ₹ 85 | ₹ 3,467 | ₹ 3,424 | 96.58% |
Jul | ₹ 3,424 | ₹ 43 | ₹ 3,467 | ₹ 0 | 100.00% |
FREQUENTLY ASKED QUESTIONS
Yes, KreditBee welcomes new credit customers. We look at factors beyond your credit score to determine your repayment capacity.
KreditBee lets its customers apply without a salary slip.
The starting interest rate for Kredit Bee personal loans is 1.02% per month.
KreditBee offers various personal loan products such as Flexi Personal Loan, Personal Loan for Salaried, Personal Loan for Self-employed and Personal Loan for online purchases.
You can apply for a personal loan of up to 3 Lakhs from Kredit Bee.
The minimum ROI of a Kreditbee Personal Loan is 1.5% per month.
The minimum ROI of a Kreditbee Personal Loan is 3% per month.
The highest loan amount you can avail with Kreditbee Personal Loan is up to Rs. 3 Lacs
The processing fee for Kreditbee’s loan is between Rs. 130 to Rs. 850.
The minimum repayment tenure of Kreditbee's Personal Loan is 2 months.
The maximum repayment tenure of Kreditbee's Personal loan is 10 months.
Yes, you can apply for a Kreditbee Personal Loan anywhere from India as it holds a PAN India access
The minimum required salary to apply for a Kreditbee Personal Loan is Rs. 16,000 Monthly.
There is no set limit of Cibil score to apply for a Kreditbee Personal Loan.
Yes, there is no set limit of Cibil score to apply for a Kreditbee Personal Loan.
Yes, there is no set limit of Cibil score to apply for a Kreditbee Personal Loan.
You can go to the official website of Kreditbee or you can also switch to ReferLoan for an easy and smooth loan application process.
Yes, Kreditbee accepts minus CIBIL scores for Personal loans.
The minimum required age to apply for a Kreditbee Personal Loan is 18
There is no maximum age limit to apply for a Kreditbee Personal Loan
Yes, Kreditbee does offer funding to the Proprietorship Firm Employees.
Yes, Kreditbee does offer funding to the Partnership Firm Employees.
If you plan to apply for a Kreditbee Personal Loan, you don’t require any minimum employment period.
The minimum vintage of the applicant’s employer must be 3 months to apply for a Kreditbee Personal Loan
No, it is not mandatory to provide a Co-applicant to apply for a Kreditbee Personal Loan
No, Kreditbee doesn’t fund NRIs for Personal Loans.
No, There is no Negative Profile while applying for Kreditbee Personal Loan
Yes, because there is no Negative Profile while applying for Kreditbee Personal Loan
Can I apply for a Kreditbee Personal Loan if I work as a Delivery Boy?
Yes, because there is no Negative Profile while applying for Kreditbee Personal Loan
Yes, because there is no Negative Profile while applying for Kreditbee Personal Loan
Yes, because there is no Negative Profile while applying for Kreditbee Personal Loan
Yes, because there is no Negative Profile while applying for Kreditbee Personal Loan
Yes, MCD Workers can apply for Kreditbee’s Personal Loan.
No, there are no partial payment charges for Kreditbee’s Personal Loan.
Yes, Foreclosure is allowed for Kreditebi Personal Loans.
Yes, You can apply for a Kreditbee Personal Loan if you receive your salary through NEFT
Yes, You can apply for a Kreditbee Personal Loan if you receive your salary through RTGS
Yes, You can apply for a Kreditbee Personal Loan if you receive your salary through Company Transfer.
Yes, You can apply for a Kreditbee Personal Loan if you receive your salary through IMPS
No, you can’t apply for an Kreditbee Personal Loan if you receive our salary in ca
Yes, you can apply for a Kreditbee Personal Loan if you receive our salary through UPI.
It takes 48 hours for the disbursement of a personal loan
Kreditbee takes 5 minutes for the confirmation of a personal loan
Yes, you can apply for a Kreditbee Personal Loan online
The customer care number of Kreditbee is 80-44292200/080-68534522.