Kreditbee
“Can an RBI-licensed NBFC-backed digital lender become the full-stack credit and financial services platform for India's underserved young professionals?”
Founded2018
HQBengaluru, Karnataka, India
Total raised$412.8M
Latest roundSeries D
Valuation~$1.5B (pending, 2026)
IndustryFintech / Lending
The story
Founded in 2018 as an instant digital personal loan app targeting salaried Indian professionals, KreditBee expanded its embedded finance offering by partnering with merchants (Mswipe, PayU) to offer cardless EMI and checkout credit. It launched its own prepaid credit card (KreditBee Card) via RBL Bank and RuPay, signaling a move toward a broader consumer credit platform. With Series D funding and an expected unicorn valuation in 2026, the company is deepening its NBFC-backed product stack to serve 180M+ registered users across personal loans, business loans, LAP, and two-wheeler loans.
Product timeline
2018
KreditBee founded as a digital lending platform under Finnovation Tech Solutions Pvt. Ltd., offering instant personal loans to salaried professionals in India.· lending
2021
Partnered with Mswipe to offer 'Cardless EMI' at offline retail stores, expanding into point-of-sale BNPL.· lending
2021
Launched 'KreditBee Card', a credit-line backed prepaid card in partnership with RuPay and RBL Bank, targeting new-to-credit customers.· card
2023
Collaborated with PayU to launch 'Online Checkout Finance', embedding credit at digital checkout.· lending
2026
Hornbill Tech Investments received CCI approval to acquire stake in KreditBee/KrazyBee Services, expected to push KreditBee into unicorn status at ~$1.5B valuation.· acquisition
Regulated entities
NBFC
India (RBI)
KrazyBee Services Private Limited
The stack
Payments / PSP
Banking / BaaS
Card issuing
Lending
KrazyBee Services Private Limited (in-house NBFC)Personal Loan (₹6,000–₹10 Lakhs)Business Loan (₹6,000–₹1 Crore)Loan Against Property (LAP)Two-Wheeler LoanCardless EMI (via Mswipe)Online Checkout Finance (via PayU)
Sponsor bank
Accounting gap: minor