How can we help you?

Find answers to common questions about Kredzy

Kredzy is a fintech platform that connects users with the right financial products, including government-backed loans, private loans, NBFC loans, and in-house financing. We simplify the lending process and promote financial literacy.

Kredzy is currently a financial technology platform that partners with banks, NBFCs, and other financial institutions. We are also in the process of establishing our own NBFC for direct lending.

Kredzy facilitates:
  • Government-backed loans (e.g., Mudra, Stand-Up India)
  • Personal and business loans
  • Loans from NBFCs
  • Self-NBFC loans (Kredzy lending in future)

Anyone aged 18+ with valid KYC documents and income proof (or a viable business plan for business loans).

The loan approval process typically involves:
  1. Submitting your application with required documents.
  2. Credit assessment by Kredzy and/or partnered lenders.
  3. Loan offer and acceptance.
  4. Disbursal of funds.
The timeline varies based on the loan type and lender.

Not necessarily. Kredzy works with lenders who serve low-credit or no-credit individuals. We also offer our own internal credit system for certain loan categories.

Our internal credit score is based on your usage, repayments, and financial behavior on the app.

Invite friends to join Kredzy. When they transact, you earn commission, which can be withdrawn or reinvested.

Absolutely. We use bank-level encryption and comply with RBI guidelines through our lending partners. Your data is safe and never shared without consent.

2% TDS is deducted from the payout you withdraw. Please note that if your PAN card is not linked with your Aadhar it will result in a 20% TDS deduction from the total amount.

TDS is basically a part of income tax. It has to be deducted by a person for certain payments made by them. According to the Income Tax Act, 1961, every individual or organization is liable to pay taxes if their income is above a certain threshold TDS deduction is applicable to multiple types of payments, including- Salary, Rent, Commission earned, Interest, Professional/consultant fees.

You can reach us via the Kredzy app chat support or email us at contact@kredzy.in