Wallets/kreditbee
KreditBee
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Overview
KreditBee is India's leading digital lending app for young professionals, serving 180+ million individuals [1, 2, in-cro]. Bengaluru-based, founded 2016.
April 2026 — KreditBee $280M Series E + $1.5B unicorn valuation [3, 4]:
- Round structure: $220M primary capital (deployed into business) + $60M secondary (existing shareholders partial-exit).
- Pre-IPO marker: Series E is final private fundraising before planned IPO.
- IPO timing: After securing final regulatory approval.
Financial performance [4]:
- Q4 2025 operating revenue: ₹805 crore.
- Q4 2025 net profit: ₹137 crore.
- FY25-26 total disbursals: ₹30,000 crore.
- FY25-26 AUM: ₹15,000 crore.
History
2016 — KreditBee founded [1] as IN digital-lending app for young professionals.
2018-2024 — Mass IN young-professional lending adoption [1]: 180M+ individuals served (cumulative).
April 2026 — $280M Series E + $1.5B unicorn valuation [3]: Final private round pre-IPO; IPO process pending final regulatory approval.
Ownership & operator
Operating entity: Finnovation Tech Solutions Private Limited (KreditBee).
Co-founders: Madhusudan E + Karthikeyan K + Wan Hong (Bengaluru-based).
Major investors: Premji Invest + ICONIQ Capital + Mitsubishi UFJ Financial Group + MUFG Bank + Mirae Asset + Motilal Oswal Alternates + Newquest Capital Partners + others — major late-stage IN-fintech investor base.
Regulator: RBI (Reserve Bank of India) Non-Banking Financial Company (NBFC) license + SEBI (for IPO).
Technical integration
| Layer | Description |
|---|---|
| Channels | KreditBee mobile app (iOS + Android) |
| Identifiers | Phone + email + PAN + Aadhaar |
| IN rail | [[upi]] (NPCI national A2A rail) for disbursements + collections |
| License | NBFC (RBI-licensed) + pursuing IPO via SEBI |
| Customer focus | Young professionals (digital lending) |
| Loan products: Personal loans + Credit-Line + EMI on shopping + Pre-approved credit | |
| AI underwriting: Alternative-data-driven young-professional credit scoring |
Users & growth
FY25-26 baseline [4]:
- Cumulative individuals served: 180+ million
- Q4 2025 operating revenue: ₹805 crore (~$95M)
- Q4 2025 net profit: ₹137 crore (~$16M)
- FY25-26 total disbursals: ₹30,000 crore (~$3.5B)
- FY25-26 AUM: ₹15,000 crore (~$1.8B)
- April 2026 valuation: $1.5B (unicorn)
- April 2026 Series E: $280M ($220M primary + $60M secondary)
Use cases
IN young-professional digital lending (personal loans + credit-line + EMI on shopping + pre-approved credit); UPI-disbursed loans + UPI-collected EMI; alternative-data-driven credit underwriting; pre-IPO consumer-lending NBFC.
Implementations & partners
Operator: Finnovation Tech Solutions Private Limited (KreditBee).
Co-founders: Madhusudan E + Karthikeyan K + Wan Hong (Bengaluru).
Major investors: Premji Invest, ICONIQ Capital, Mitsubishi UFJ Financial Group, MUFG Bank, Mirae Asset, Motilal Oswal Alternates, Newquest Capital Partners.
Major Indian digital-lending NBFC competitors:
- MoneyTap (IN credit-line app)
- EarlySalary (now Fibe; IN salary-advance + personal loans)
- InCred (IN consumer + SME lending)
- CASHe (IN young-professional lending)
- PaySense (IN now-defunct + acquired by PayU India)
- Slice (IN credit-card-alternative; covered Batch 10)
Regulator: RBI + SEBI (pursuing IPO).
Fun facts
- Bengaluru-founded 2016 by Madhusudan E + Karthikeyan K + Wan Hong.
- 180M+ individuals served (cumulative).
- April 2026 $280M Series E + $1.5B unicorn valuation — final private round pre-IPO.
- FY25-26: ₹30,000 crore (~$3.5B) total disbursals + ₹15,000 crore (~$1.8B) AUM + Q4 2025 ₹805 crore revenue + ₹137 crore net profit.
- Backed by Premji Invest + ICONIQ + Mitsubishi UFJ Financial Group + MUFG Bank + Mirae Asset.
- Distinctive Japanese-bank-backed (Mitsubishi UFJ + MUFG) young-professional IN lender.
- Profitable + pre-IPO — distinctive vs IN-NBFC loss-makers.
Comparison
| Feature | KreditBee | MoneyTap (IN credit-line rival) | Fibe / EarlySalary (IN young-pro lending) | InCred (IN consumer + SME) | [[slice]] (IN credit-card-alt covered Batch 10) |
|---|---|---|---|---|---|
| Operator | Finnovation Tech Solutions / KreditBee (Madhusudan E + Karthikeyan K + Wan Hong; Premji Invest + ICONIQ + MUFG + Mirae backed) | MoneyTap | Fibe (EarlySalary) | InCred | Slice |
| Type | IN young-professional digital lending NBFC | IN credit-line app | IN salary-advance + personal loans | IN consumer + SME lending | IN credit-card-alternative + payments |
| Country | India | India | India | India | India |
| Users | 180M+ individuals cumulative + ₹30K crore FY25-26 disbursals | Major IN | Major IN | Major IN | Major IN |
| Valuation | $1.5B unicorn (April 2026 Series E) | Major | Major | Unicorn | Unicorn |
| Distinctive | Mitsubishi UFJ + MUFG Bank + Mirae Asset Japan/Korea backing; FY25-26 ₹30K crore disbursals; Q4 2025 ₹137 crore net profit; pre-IPO final private round | Credit-line focus | Salary-advance focus | Consumer + SME | Credit-card-alt + payments app |
Status
Active, India's leading digital-lending NBFC for young professionals [3, 4]:
- Finnovation Tech Solutions Private Limited (KreditBee) since 2016.
- 180M+ individuals served + ₹30K crore (~$3.5B) FY25-26 disbursals + ₹15K crore (~$1.8B) AUM.
- April 2026 $280M Series E + $1.5B unicorn valuation — pre-IPO final private round.
- Profitable: Q4 2025 ₹805 crore revenue + ₹137 crore net profit.
- RBI NBFC + SEBI (pursuing IPO) regulated.
Sources
- 1 KreditBee — Tracxn
- 2 KreditBee about us
- 3 KreditBee unicorn $1.5B Apr 2026 — Outlook Business
- 4 KreditBee $280M $1.5B IPO — Fintech Singapore
- in-cro In-corpus:
reports/countries/IN-india.md
Source
Biography extracted from kreditbee.md. See matrix.md for standards-support matrix if present.