Loan App Checker › KreditBee  |  Reviewed by: WeCredit Research Team

KreditBee Loan App Guide: Safety, RBI Status, Lender & Complaint Contacts

What we checked

• Found
  Listed in RBI’s Digital Lending Apps directoryKreditBee appears in the directory.
• Found
  Lenders found in RBI’s NBFC listAll 13 lenders linked to KreditBee in the directory are in RBI’s list of registered NBFCs.
• Found
  Company registration number (CIN) on recordCIN is available for all 13 lenders. They are in the table below.
• Good to know
  The app operator and the lender are different companiesThe directory lists Finnovation Tech Solutions Private Limited as the app’s loan service provider, while the money comes from the lenders. See the next section.
• Found
  Official grievance contactsKreditBee’s own grievance page names a Grievance Redressal Officer, a Nodal Officer and each lender’s complaint page.

Who lends the money?

KreditBee works as a platform that connects you to lending partners. Which lender gives you a loan depends on your profile, and it is shown to you before you accept. Three names can appear, and they are not the same:

All 13 lenders are found in the RBI list of registered NBFCs. RBI’s layers show the size and regulation level of the lender (Upper is larger than Middle). They are not a quality score.

What KreditBee says about its loans

From kreditbee.in. These are the company’s own statements, not verified by us:

• Personal loans from ₹6,000 up to ₹10 lakh, with tenures from 6 to 60 months depending on the product.
• Eligibility shown: Indian citizen aged 21–60, monthly income of at least ₹10,000, and 3 months in the current job.
• Interest rates are not stated on the main page. They differ by lender and borrower, and the rate and the APR are shown in your Key Fact Statement. Compare the APR, not only the interest rate.

Customer care and complaint contacts

These are from KreditBee’s own grievance page. Phone numbers listed on other websites may be old or wrong, so check them against this page before you call.

1. Start here: reply due in 14 days
   Grievance Redressal Officer
   Phone: 080-44292200 / 080-68534522 (10:00–19:00, Monday to Saturday, except public holidays)
   Email: help@kreditbee.in
   Aims to resolve within 14 days. Address: KrazyBee Services Limited, 4th Floor, Anjaneya Techno Park, No. 147, HAL Old Airport Road, ISRO Colony, Kodihalli, Bangalore 560008.
2. After 14 days, or if not satisfied
   Nodal Officer
   Phone: 080-44292233 / 080-68534501
   Email: grievance@kreditbee.in
3. For problems with the loan itself
   The lender’s own grievance page. Find your lender in the table above.
4. After 30 days, or if you disagree with the reply
   RBI complaint portal: cms.rbi.org.in or toll-free 14448.

Write your complaint by email and keep a copy with your loan number and the date. Screenshots of messages and call logs help.

Check it yourself in 2 minutes

1. Open your loan agreement or Key Fact Statement and note the lender’s name.
2. Search that name in the RBI list of NBFCs. It should be there.
3. Check that the app you installed is in the RBI Digital Lending Apps directory.
4. Install only from the official Google Play or App Store listing, and check the developer name matches what you expect.
5. Use our Loan App Checker to look up any other app the same way.

Before you tap Apply

• You should receive a Key Fact Statement showing the loan amount, APR, all fees and the repayment schedule before you accept.
• Money should be paid into your own bank account and repaid to the lender’s account, not to a person’s personal account or wallet.
• RBI’s digital lending rules restrict apps from taking access to your contact list, files and call logs. If an app insists on them, treat that as a red flag.
• Check the processing fee and any other charges. Be wary if someone asks for a fee in advance.
• Look for the cooling-off period in the loan terms, which lets you exit early within a set time.

Getting calls or messages that make you uncomfortable?

Lenders and their recovery agents must follow RBI’s rules on fair treatment. If you receive threats, abusive messages or someone contacts your family or contacts to shame you, keep screenshots and call records, complain through the steps above, and report it at cybercrime.gov.in or call 1930. If someone is offering a loan or taking deposits without being a registered lender, report it on RBI’s Sachet portal.

More from the same lender

KrazyBee Services Limited appears as a lender for 23 apps in the RBI directory, including KreditBee and Kreditzy. Use the Loan App Checker to see the lenders behind any app.

Frequently asked questions

Is KreditBee listed in RBI's digital lending apps directory?

Yes. KreditBee appears in the RBI Digital Lending Apps directory. The directory is filled in by the lenders themselves. It is a public list, not an RBI approval or a safety rating of the app.

Who is the lender on a KreditBee loan?

It depends on the loan. The RBI directory links KreditBee to 13 regulated lenders, and KreditBee's own page lists 12 lending partners. Your lender is named in the Key Fact Statement and the loan agreement you receive before accepting, so read that name and not just the app name.

Is KreditBee an NBFC?

KrazyBee Services Limited, which is named as the developer on KreditBee's Google Play listing, appears in the RBI list of registered NBFCs as an Investment and Credit Company in the Middle Layer (CIN U65100KA2016PLC086990). The RBI directory lists the app's loan service provider as Finnovation Tech Solutions Private Limited, and the lenders behind your loan can be other NBFCs, as in the table above.

What is the KreditBee customer care number?

KreditBee's grievance page lists 080-44292200 and 080-68534522 for the Grievance Redressal Officer, between 10:00 and 19:00, Monday to Saturday except public holidays, and help@kreditbee.in by email. Phone numbers on other websites often differ, so use the ones on KreditBee's own page.

How do I complain about KreditBee?

Write to the Grievance Redressal Officer first. If there is no reply in 14 days or you are not satisfied, write to the Nodal Officer at grievance@kreditbee.in. If the matter is still unresolved after 30 days or you disagree with the reply, you can complain to RBI at cms.rbi.org.in or on 14448. For complaints about the lender itself, use the lender's own grievance page, linked above.

Does an RBI listing mean KreditBee is safe or that I will get a loan?

No. An RBI listing shows that the app and its lenders are on public RBI records. It doesn't mean RBI has approved the app, and it doesn't mean your application will be approved or that the terms suit you. Read the Key Fact Statement, the APR and all fees before you accept.