KredBharat

Twominutes Fintech Pvt. Ltd.

About this app

About Credbharat
Credbharat is a loan facilitator. We do not issue loans or collect repayments. Loans are provided by our RBI-registered NBFC partner(s): AGF Finlease (India) Limited.

Lending Partner:
AGF Finlease (India) Limited (RBI Registered NBFC)

Loan Information (Required Disclosures):

Minimum repayment period: 3 months

Maximum repayment period: 72 months

Maximum Annual Percentage Rate (APR): 24% (includes all applicable fees)

Representative Example:

| 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** | ₹1416 |
| **Interest (approx.)** | ₹2400 |
| **Amount Disbursed** | ₹48,584 |
| **Total Repayment (EMIs)** | ₹53800 |
| **Effective APR** | **≈20.0%** |


*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.

Eligibility Criteria:

Indian citizen

Age 21 years and above

Stable monthly income

Note: Credbharat does not charge users directly or disburse loans. All loans are provided by our verified lending partners.

Privacy Policy: https://credbharat.com/privacy-policy

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