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KreditBee Review

Krazybee Services Pvt Ltd (NBFC)

Regulated NBFC, but fees + GST push real APR well above the headline rate.

Reviewed by
SahiSujhav editorial — Independent borrower-side review
Last verified
2026-05-09
Right of reply
KreditBee invited to respond on 2026-05-09. Status: pending
Indicative APR upto
Upto 48%
Indicative processing fee upto
Upto 5%
Tenure
3–18 months
Ticket size
₹1,000–₹4,00,000
3.2 / 5
SahiSujhav editorial rating

Red flags

  • •Processing fee 4-6% common — true APR often 40%+ on short tenures
  • •Aggressive in-app cross-sell of larger loans

Green flags

  • •RBI-licensed NBFC (Krazybee Services)
  • •KFS provided pre-disbursal
  • •Direct bank disbursal, no pool account

Permissions demanded

KYCBank statement (AA)SMS (optional)

Data practices

Account Aggregator-based bank fetch. Contacts permission removed post-2022 DLG.

Recovery practices

In-house collections; reports of frequent calls but largely within RBI hours.

Sources & references

Last reviewed: 2026-05-09

Grievance & support

Contact details published by the lender. If unresolved within 30 days, escalate via RBI Sachet.

Disclaimer: Reviews are independent editorial assessments based on publicly available information and user-submitted complaints. APR ranges and fees can change — always check the lender's Key Fact Statement before borrowing. Not financial or legal advice.

Next step with KreditBee

Headline rates hide fees. Run your actual offer through our free tools before you accept anything.

Check your real APR →Fees + GST + tenure, computed the RBI way.Safer alternatives to KreditBee →Lower-APR, RBI-regulated options.Escape the Payday loan trap →Guided plan to get out of a high-APR loan.Fix your CIBIL score →Diagnose, dispute, rebuild in 4 stages.

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Frequently asked questions about KreditBee

Is KreditBee RBI-registered?

KreditBee is operated by Krazybee Services Pvt Ltd (NBFC). Its RBI status: RBI-regulated NBFC. Always verify the parent lender directly on the RBI NBFC list before borrowing.

What is the real APR on KreditBee?

KreditBee charges an APR between 48% and 48% per annum with a processing fee of up to 5%. After fees and GST, the effective APR on short tenures can be significantly higher than the headline rate.

Is KreditBee safe to use?

Regulated NBFC, but fees + GST push real APR well above the headline rate. Permissions demanded: KYC, Bank statement (AA), SMS (optional). Recovery practices: In-house collections; reports of frequent calls but largely within RBI hours..

What loan amount and tenure does KreditBee offer?

Ticket size ranges from ₹1,000 to ₹4,00,000, with tenure between 3 and 18 months.

How do I close my KreditBee loan early?

Open the app, request a foreclosure quote in writing, and pay the principal + accrued interest. Demand the No Dues Certificate (NDC) within 7 working days — RBI mandates it. If KreditBee refuses or harasses you, file a complaint on the RBI Sachet portal.