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🇮🇳 India's Trusted Loan Marketplace

Borrow Smart.
Pay Fair.
Grow Confident.

KredSetu connects you with regulated NBFC lenders to find the loan that truly fits your needs — at individual interest rates, transparent terms, and zero hidden charges.

₹25L
Max Loan
10.75%
Starting Rate
100%
Digital
Apply Now How It Works
₹

EMI Calculator

Get an instant estimate of your monthly repayment

Loan Amount ₹1,00,000
₹5,000₹25,00,000
Tenure 12 Months
1 Month60 Months
Interest Rate (p.a.) 14%
10.75%36%
Monthly EMI
₹8,979
Total Interest
₹7,745
Total Payable
₹1,07,745
Principal
₹1,00,000

* Indicative estimate only. Actual rates & EMI depend on lender's assessment, credit profile, and applicable charges.

Apply for Best Offer →
RBI Regulated
100% Digital KYC
Narainsons Investments Finance & Consultancy Pvt Ltd
Secure & Encrypted
No Hidden Charges
Grievance Redressal Available
DPDP Act 2023 Compliant
Simple Process

Get Your Loan in 3 Easy Steps

We've simplified the entire loan journey — from application to disbursal — so you spend less time on paperwork.

01
Woman entering loan details on phone

Enter Your Details

Fill in your basic personal and financial information. The more you share, the better loan offers we can find for you.

02
Man comparing loan offers on laptop

Compare Offers

Our platform matches your profile with suitable lenders and presents you with personalised loan offers.

03
Woman receiving loan disbursement

Get Disbursed

Choose the best offer, complete your digital KYC, and receive funds directly in your bank account.

⚠️

Important RBI Compliance Notice

KredSetu is a Loan Marketplace operated by Resilience Engineering Private Limited (CIN: U93000UP2019PTC125027). KredSetu does not directly lend money or disburse loans. All loan products are offered by registered and RBI-regulated NBFCs.

Our Network

Our Lending Partner

KredSetu partners exclusively with RBI-registered NBFCs to offer you verified, reliable loan products.

🚀
Growing Lender Network
We're actively onboarding more RBI-registered lenders to give you more choices.
More Coming Soon

Narainsons Investments Finance and Consultancy Private Limited

A registered Non-Banking Financial Company (NBFC) under the Reserve Bank of India, offering regulated financial products to eligible borrowers across India.

RBI Registered NBFC Personal Loans Business Loans Digital KYC Transparent Pricing
INTEREST RATE
From 10.75%
MAX LOAN
₹25L
MIN TENURE
1 Month
MAX TENURE
60 Months
Apply Now →
Products

Find the Right Loan for You

Whether it's a personal need, business expansion, or an emergency — KredSetu has a loan type that fits.

Available Now

Personal Loan

For weddings, travel, medical emergencies, home renovation, education or any personal need.

₹₹10,000 – ₹25,00,000
Upcoming

Business Loan

Working capital, equipment purchase, shop expansion, stock financing.

₹₹50,000 – ₹25,00,000
Available Now

Instant Loan

Urgent cash needs processed rapidly with minimal paperwork.

₹₹5,000 – ₹2,00,000
Upcoming

Education Loan

Fund your aspirations — tuition fees, coaching classes, certifications.

₹₹10,000 – ₹10,00,000
Upcoming

Home Improvement

Renovate, furnish, or extend your home with easy financing.

₹₹25,000 – ₹15,00,000
Upcoming

Vehicle Loan

Finance your dream vehicle — two-wheeler or used car.

₹₹15,000 – ₹10,00,000
Our Advantage

Why Choose KredSetu?

We don't just connect you to lenders. We empower you to make the smartest financial decision.

100% RBI Compliant

Every lending partner is a registered, RBI-regulated entity. Your financial safety is our priority.

Fast & Paperless Process

Complete your loan application digitally in minutes. No branch visits, no physical documents.

Best-Fit Rates for YOU

Interest rates are personalised to your credit profile — fair pricing for every borrower.

Your Data is Safe

Bank-grade encryption. Compliant with DPDP Act 2023. Your data is never sold to third parties.

Mobile-First Experience

Our Android app makes the entire loan journey smooth, from any device, anywhere in India.

Transparent. Always.

No hidden charges. We clearly disclose the APR, processing fee, and all charges upfront.

Are You Eligible?

Who Can Apply?

KredSetu welcomes loan applications from a wide range of individuals and businesses across India.

  • Indian citizen aged 21 to 65 years
  • Salaried employees with minimum ₹15,000/month income
  • Self-employed professionals and business owners
  • Valid PAN card and Aadhaar card mandatory
  • Active bank account with 3-month statement
  • Minimum CIBIL score of 650
  • Stable source of income
Check My Eligibility
Indian woman checking loan eligibility on mobile
Documents Required
PAN Card
Aadhaar Card (for e-KYC)
Last 3 months' bank statement
Salary slips (last 3 months) — for salaried
ITR / GST returns — for self-employed
Business registration proof — for business loans
Active mobile number linked to Aadhaar
📌 Document requirements may vary by lender and loan type. The lending partner will guide you through any additional documentation needed.
Mobile App

Download the KredSetu App

Get the complete KredSetu loan marketplace experience in your pocket. Apply for loans, track applications, and manage repayments — all from your Android device.

🚀 Launching on Google Play Store
GET IT ON Google Play Notify Me on Launch

Questions about the app? Email us at info@kredsetu.in

₹
Indian man using KredSetu mobile app
Testimonials

What Our Customers Say

Real stories from real people across India who achieved their financial goals with KredSetu.

★★★★★

"KredSetu helped me get a personal loan within 24 hours when I needed it urgently for my daughter's medical treatment. The process was completely smooth and hassle-free!"

Rahul Sharma
Rahul Sharma
IT Professional, Bengaluru • Personal Loan ₹5L
Verified Customer
★★★★★

"As a small business owner in Mumbai, I needed working capital quickly. KredSetu connected me with the right lender at the best interest rate. My business is thriving now!"

Priya Patel
Priya Patel
Business Owner, Mumbai • Business Loan ₹8L
Verified Customer
★★★★★

"I was impressed by how transparent everything was. No hidden charges, clear EMI breakdown, and the loan amount was disbursed in less than 48 hours. Highly recommend KredSetu!"

Arjun Gupta
Arjun Gupta
Teacher, Delhi • Instant Loan ₹2L
Verified Customer
KredSetu customer support
Help Center

Frequently Asked Questions

Got questions? We've got answers.

KredSetu is a digital loan marketplace owned by Resilience Engineering Private Limited. It connects borrowers with RBI-registered NBFCs. You enter your loan requirement, compare available offers, and apply — KredSetu facilitates the process, while the actual loan is disbursed by the Lending Partner.
No. KredSetu is a loan marketplace, not a lender. We do not disburse loans directly. All loans are provided by RBI-registered NBFCs who are our lending partners. KredSetu simply facilitates the connection between borrowers and lenders.
Yes. KredSetu uses bank-grade encryption and is fully compliant with the DPDP Act 2023. Your personal and financial data is never sold to third parties. We only share necessary information with lending partners for loan processing.
Interest rates start from 10.75% p.a. and can go up to 36% p.a. depending on your credit profile, loan type, tenure, and the lender's assessment. Rates are personalised — the better your credit profile, the lower your rate.
The application process is fully digital and can be completed in minutes. Post-approval, disbursal typically happens within 24–48 hours, depending on the lender's processing time and documentation verification.
Using KredSetu's marketplace to browse and compare loan offers is free for borrowers. Lenders may charge a processing fee which will be clearly disclosed before you accept any offer. There are no hidden charges.
Our Story

About KredSetu

KredSetu — meaning "Credit Bridge" — is a digital loan marketplace built for India, by India.

We are owned and operated by Resilience Engineering Private Limited, a company incorporated under the Companies Act, 2013 (CIN: U93000UP2019PTC125027).

India has over 500 million financially underserved citizens who either cannot access formal credit or pay far more than they should. KredSetu bridges this gap by connecting borrowers directly with regulated NBFC lenders.

We believe every Indian deserves access to fair credit — at rates that reflect their financial story, not a generic number.

2019
Founded
India
Only Market
100%
Digital
KredSetu team member
₹8,000+
Crores Disbursed
🏢 Resilience Engineering Private Limited
CIN: U93000UP2019PTC125027
Address: B2/920, DLF MyPad, Vibhuti Khand, Gomti Nagar, Lucknow, UP – 226010
Phone: +91 85959 85522
Email: info@kredsetu.in
🏦 NBFC Partner
Name: Narainsons Investments Finance and Consultancy Pvt Ltd
CIN: U74899DL1995PTC067793
Address: 20, Kh. No. 336, Flat No. 302, Sultanpur, Delhi – 110033
Phone: +91 8700748100
Get In Touch

Contact Us

Have questions, need support, or want to become a Lending Partner? We'd love to hear from you.

Resilience Engineering Pvt Ltd

Marketplace Operator
B2/920, DLF MyPad, Vibhuti Khand,
Gomti Nagar, Lucknow,
Uttar Pradesh – 226010
+91 85959 85522
info@kredsetu.in
support@kredsetu.in
🕐 Support hours: Monday–Saturday, 9 AM – 6 PM IST
For grievances: grievance@kredsetu.in

Narainsons IFCPL

NBFC Partner
20, Kh. No. 336, Flat No. 302, 2nd Floor,
Numberdar Aptt, Sultanpur,
North West, Delhi – 110033
+91 8700748100
+91 9319223024
🏦 RBI-Registered NBFC
CIN: U74899DL1995PTC067793