KreditCall

Usha Financial Services Limited

About this app

Kreditcall is a digital lending application owned and operated by Usha Financial Services Limited, an RBI-registered Non-Banking Financial Company (NBFC). All loans on the Kreditcall platform are directly disbursed, serviced, and managed by Usha Financial Services Limited (RBI Registration Number: B-14.02818) (CIN: L74899DL1995PLC068604)

Lender Website: https://www.ushafinancial.com

Compliance: Kreditcall operates in accordance with applicable RBI Digital Lending Guidelines. All loan terms, charges, and borrower obligations are transparently disclosed in the Key Facts Statement (KFS) and loan agreement prior to disbursement.

Who We Serve: Kreditcall provides access to credit for individuals who may not have easy access to traditional banking, including:

• Salaried individuals and gig workers
• Self-employed individuals, freelancers, and small business owners
• Individuals with irregular or non-fixed income

Eligibility Criteria:
Applicants must meet the following conditions:

• Indian resident
• Age between 21 and 58 years
• Minimum monthly income of ₹15,000

Loan approval is subject to internal credit assessment and risk evaluation.

Documents Required:
Applicants may be required to provide:

• Selfie photograph
• PAN card
• Aadhaar card
• Address proof (Driving License / Voter ID / Passport / Aadhaar)

Loan Product: Kreditcall enables a fully digital process for applying for unsecured personal loans with EMI-based repayment.

Loan Details:

• Loan Amount: ₹3,000 – ₹25,000
• Loan Tenure: 3 months to 12 months
• Interest Rate: 15.95% to 35.95% per annum
• Processing Fee: 3% to 10% (as per risk profile)
• APR Range: 17% to 70%
• Maximum APR: 70%

GST is applicable on fees as per prevailing tax laws.

How to Apply:

Install the Kreditcall application
Register using your mobile number
Complete KYC and eligibility verification
Provide bank account details
Review and accept the loan agreement and KFS
Upon approval, funds are transferred directly to the applicant’s bank account.

Repayment Options:
Repayment can be made through:

• UPI (BHIM, Google Pay, PhonePe, Paytm, Amazon Pay)
• Bharat BillPay
• Payment gateways (Razorpay / Cashfree)
• Auto-debit via eNACH / eMandate

Representative Loan Example:

Loan Amount: ₹5,000
Tenure: 3 months
Interest Rate: 29.95% per annum
Processing Fee: ₹150
GST on Processing Fee: ₹27
Net Disbursed Amount: ₹4,823
EMI: ₹1,715 per month
Total Repayment Amount: ₹5,145
Total Interest: ₹145
Total Cost of Loan: ₹322
Approximate APR: 48%

Privacy Policy: https://www.kreditcall.com/policies/privacy-policy/

Customer Support:
For any queries or data deletion requests:

Email: [e-mail]
Phone: [phone]
Corporate Office:
3rd Floor, Plot No 40,
Near Wave Cinema, Kaushambi,
Ghaziabad, Uttar Pradesh – 201012, India

What’s new

- AutoPay now clearly explains when the selected bank account does not match the verified loan account, then helps
you retry with the right one.
- In-progress AutoPay setup is remembered more reliably, reducing duplicate attempts when you return to the app.
- Verified bank details are shown more clearly before continuing with loan signing and AutoPay.
- Loan agreements and other PDF documents now open more reliably, and temporary copies are cleaned up after
viewing.