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Kreditzy vs Mahindra Finance
Side-by-side comparison of Kreditzy and Mahindra Finance on real APR, processing fees, RBI status, and red flags. Both reviewed independently by SahiSujhav — we don't take money from lenders.
| Kreditzy | Mahindra Finance | |
|---|---|---|
| RBI status | regulated | regulated |
| Parent lender | Krazybee Services Pvt Ltd (KreditBee group secondary brand) | Mahindra Group |
| Category | Personal Loan | personal |
| APR range | 100–Upto 200% | 15–Upto 34% |
| Processing fee | Upto 10% | Upto 3% |
| Tenure | 1–3 mo | 12–61 mo |
| Ticket size | ₹1,000–₹50,000 | ₹50,000–₹1,000,000 |
| Our rating | 4.2/5 | 4.2/5 |
| Verdict | Caution | Recommended |
Kreditzy
Watch out
- Reported APR exceeds 100% — predatory range
- Verify NBFC partner directly with RBI before applying
Last reviewed: 2026-05-16
Mahindra Finance
Good
- Upper Layer NBFC under RBI SBR
- Mahindra Group governance
- 1,300+ branches
- Listed on NSE/BSE
Watch out
- APR up to 34% for rural/thin-file borrowers
- PF + GST on disbursal
Last reviewed: 2026-06-06