KreditCall

KreditCall Process

How your loan moves from request to bank disbursal in minutes.

A clear, 5-step journey built for speed, compliance, and borrower safety.

Download AppExplore Steps

15 min

Average completion

5 steps

Flow stages

Fully digital

End-to-end

Five-Step Flow

Built for speed. Checked for trust.

Follow each stage from account setup to disbursal with complete transparency.

  1. 01Download & Register
  2. 02Accept Consent & Profile
  3. 03Complete KYC Verification
  4. 04Credit Assessment
  5. 05Get Your Loan

Step 01

Download & Register

Install KreditCall from Google Play and create your account using your mobile number.

  • Search KreditCall on Google Play
  • Verify your mobile number with OTP
  • Set up your basic account
  • Secure access begins instantly

Typical Time

~2 min

Step 02

Accept Consent & Profile

Review data consent terms and complete your personal and profession details.

  • Approve RBI-aligned consent flow
  • Add work and income profile
  • Confirm your core personal details
  • Proceed to verification

Typical Time

~3 min

Step 03

Complete KYC Verification

Verify identity through Aadhaar DigiLocker and complete a face liveness check.

  • Connect Aadhaar via DigiLocker
  • Authorize secure document fetch
  • Perform live selfie confirmation
  • Identity is matched and validated

Typical Time

~4 min

Step 04

Credit Assessment

Link your bank account through Account Aggregator for instant financial analysis.

  • Connect account data securely
  • Grant one-time analysis permission
  • Get AI-assisted risk evaluation
  • Receive your approved limit

Typical Time

~3 min

Step 05

Get Your Loan

Choose amount and tenure, sign digitally, and receive disbursal in your bank account.

  • Pick the amount you need
  • Review key agreement terms
  • Complete e-sign authorization
  • Funds move to your bank account

Typical Time

~3 min

Before You Begin

Keep these details ready for a smooth application.

Android Device

Android 10+ with stable internet access.

Required for app onboarding and OTP validation.

Aadhaar Card

Aadhaar linked to your active mobile number.

Used for DigiLocker identity verification.

PAN Card

Valid PAN in your legal name.

Required for responsible credit underwriting.

Bank Account

Active savings account in your own name.

Used for disbursal and repayment setup.

Ready to Apply?

Start your KreditCall application in under 15 minutes.

Complete onboarding, verify identity, and receive your funds without a branch visit.

Download on Play StoreRead FAQs