KreditCall
About Us
KreditCall is a digital lending platform that makes borrowing simple, fast, and accessible for salaried and self-employed individuals. We understand that life is unpredictable, and sometimes you need a little financial help.
Why we exist
Built to remove friction from personal lending without compromising trust.
Launched in 2026, KreditCall was born from a simple observation: traditional lending doesn't serve the needs of modern Indians. Long queues, endless paperwork, and weeks of waiting for approval - we knew there had to be a better way.
Using cutting-edge technology like AI-powered credit assessment, Aadhaar-based e-KYC, and Account Aggregator integration, we've built a platform that can approve and disburse loans in minutes, not days.
Loan journey
10-15 minutes
From registration to decision
Application experience
100% digital
No branch visit, no paper forms
Regulatory stance
RBI-aligned
Built on compliant lending practices
How we operate
One digital flow with policy-led controls at every stage.
Our product experience is designed for speed, but the underwriting backbone stays disciplined, transparent, and accountable.
Lending operations are backed by Usha Financial Services Limited.
- 01
Verify identity and consent
Borrowers complete Aadhaar-based checks and provide clear, explicit consent before any assessment begins.
- 02
Assess responsibly
Risk checks are done through secure digital rails and policy controls designed for fair and transparent outcomes.
- 03
Disburse quickly
Approved loans are disbursed to verified accounts with clear repayment terms visible before acceptance.
- 04
Support repayment discipline
In-app reminders, visible schedules, and responsive support help borrowers stay in control of repayments.
Regulatory backbone
Usha Financial Services Limited
KreditCall operates under Usha Financial Services Limited, a Non-Banking Financial Company registered with the Reserve Bank of India. This ensures all our lending practices are compliant with regulatory guidelines.
Visit parent company websiteCompliance commitments
- RBI-registered NBFC
- RBI Digital Lending Guidelines compliant
- Data Protection & Privacy compliant
- Fair Practices Code adherent
Get started
Borrow confidently with a platform built for clarity and speed.
Download KreditCall to complete your application digitally, track every step, and access support when you need it.