About KreditCall
Making personal lending simpler and more transparent.
KreditCall is a digital lending platform powered by Usha Financial Services Limited that makes personal loans simple, fast, and accessible for salaried and self-employed individuals. We understand that life is unpredictable, and sometimes you need a little financial help. That is why we help you manage your borrowing journey online with clear information and responsible repayment planning.
Why we exist
Why KreditCall exists: a simpler, clearer personal loan experience.
Launched in 2026, KreditCall was created to make personal loans easier to understand and simpler to access for modern Indian borrowers. We saw how long forms, unclear loan terms, and uncertain timelines could make a personal loan application feel harder than it needed to be. Our goal is to offer a clear digital lending experience for salaried and self-employed individuals, so borrowers can review their options and make informed decisions with confidence.
Our personal loan app brings the essential parts of the borrowing journey into one secure digital experience. Aadhaar-based e-KYC, consent-led verification, and Account Aggregator-enabled credit assessment help make the application process more efficient, while transparent information, responsible lending practices, and borrower support remain at the centre.
Loan journey
10-15 minutes
From registration to disbursement
Application experience
100% digital
No branch visit, zero paperwork
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
Confirm your identity through Aadhaar-based e-KYC and review the required consent before your application moves to assessment.
- 02
Assess responsibly
Your application is assessed through secure digital processes and policy-led checks designed to support responsible lending decisions.
- 03
Disburse quickly
If your loan is approved, review the sanctioned amount, repayment schedule, and applicable charges before accepting the offer. Disbursal is then made to your verified bank account.
- 04
Support repayment discipline
Keep track of upcoming EMIs, repayment dates, and your loan schedule through the app, with support available when you need it.
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
Apply for a personal loan through the KreditCall app.
Download the KreditCall personal loan app to complete your digital loan application, review your loan offer and repayment schedule, track your application status, and access borrower support when you need it.