Privacy Policy

Last updated: 08 Oct 2025

Kredbharat (“we”, “our”, “us”) operates the Kredbharat mobile application and website. We are a loan facilitator: we do not disburse loans ourselves and we do not collect repayments. Loans, if any, are provided by our RBI-registered NBFC partner(s).

We respect your privacy and are committed to being transparent about our data practices. This Privacy Policy explains what information we collect, how we use it, with whom we share it, and your rights. It applies to the Kredbharat app and the website located at kredbharat.com.

1. Scope & key disclosures

We do not access your contacts, photos, media, call logs, or SMS.
We do not offer or facilitate loans requiring full repayment in 60 days or less.
We collect only the information needed to match you with suitable financial products and to operate our services.

2. Information we collect

Category	Examples	Source
Account & Contact	Name, email address, mobile number	Provided by you
Profile & Eligibility	Date of birth/age, city & pincode, income range, employment type, desired loan amount & tenure	Provided by you
KYC & Compliance (optional / when needed)	PAN, ID numbers, address details, documents required by partners	Provided by you with consent
Device & Technical	App version, device model, OS, anonymized identifiers, crash logs, IP address	Automatically from your device
Usage	Pages/screens visited, clicks, time on page, referral source	Automatically via cookies/SDKs

Precise location, contacts, SMS, call logs, photos/media are not collected.

3. How we use information

To provide and improve our services, including matching you with potential lending partners and products.
To communicate with you (service messages, application status, support).
To prevent fraud, ensure security, and comply with legal obligations.
To analyze app and website performance (analytics and crash diagnostics).
With your explicit consent, to send marketing communications which you can opt out of at any time.

5. Retention

We keep personal data only as long as needed for the purposes above or as required by law. If you create an account, we retain your information while your account is active and thereafter for a reasonable period (for example, up to 5 years) for audit, fraud prevention and legal compliance. Partners may retain KYC/loan records as required by applicable regulations.

6. Security

We use administrative, technical and organisational safeguards appropriate to the nature of the data we handle, including transport encryption (HTTPS), access controls and regular monitoring. However, no method of transmission or storage is 100% secure.

7. Your rights & choices

Access, correct or update your information.
Withdraw consent where processing is based on consent.
Object to or restrict certain processing and opt out of marketing.
Request deletion: we will delete or de-identify data unless we are required to keep it (for example, for fraud prevention or legal compliance).

To exercise your rights, email us at [email protected].

8. Children

Our services are intended for users aged 21 years and above. We do not knowingly collect personal data from children.

Loan Information (Required Disclosures)

The details below are provided to comply with personal loan disclosure requirements (e.g., minimum/maximum repayment periods, maximum APR, and a representative example showing the total cost of credit).

Key Parameters

Parameter	Value
Minimum repayment period	3 months
Maximum repayment period	72 months
Maximum Annual Percentage Rate (APR)	24% (includes interest and all applicable fees)

Representative Example: Personal Loan

Item	Amount
Loan Amount	₹50,000
Tenure	12 months
Interest Rate	17.5% p.a.
Processing Fee	₹1,000 (2%)
Onboarding Fee	₹200
GST on Fees	₹216
Total Fees	₹1,416
Interest Approx	₹2,400
Amount Disbursed	₹48,584
Total Repayment Amount	₹53,800
Effective APR	≈20.00%

Notes

APR reflects the total cost of credit, including interest and applicable fees, on an annualized basis.
Actual APR and EMI may vary based on the applicant’s profile, partner lender policies, and applicable taxes.
No hidden charges. Any statutory taxes/fees are levied as per law.
Kredbharat does not charge users directly or disburse loans. All loans are provided by our verified lending partners.

Reminder: This is an example for illustration. Before approval/disbursal, applicants receive the exact loan terms, including applicable APR, fees, EMI schedule, and total repayment.

For questions on loan terms or charges, please contact our support or the Grievance Redressal team.

9. Changes to this policy

We may update this Privacy Policy to reflect changes in our practices or the law. The “Last updated” date indicates the latest revision. We will notify you of material changes as required.

10. Contact & Grievance Redressal

For privacy questions or requests, email [email protected]. For complaints or unresolved issues, contact our officers below:

Grievance Redressal Officer

Mehak Wadhawan

📞 +91 7838156865

📧 [email protected]

Nodal Officer (for unresolved complaints)

Pradeep Pandey

📞 +91 7838602641