Decide based on your real situation, not on how fast the loan is approved.
Small loans of Rs 1,000 to Rs 40,000 with quick approval — good for an urgent, low-amount need.
Daily rate of about 0.2% works out to roughly 73% per annum — expensive versus a bank loan.
Capped at Rs 40,000, so it won't cover a larger expense.
Kredito24 operates an accessible website at kredito24.in advertising loans of up to ₹40,000 "in 5 minutes". As accessed on 3 September 2026, its homepage, Terms and Conditions, Privacy Policy and Contact Us page did not clearly name the legal operator or the regulated lender, and no registered office, founding details, official app-store listing or publisher could be identified from those first-party sources. No public contractual figures for APR, fees, tenure or total repayment were identified either. On that basis Kredito24 is classified as "pause pending verification": it should not be described as safe, fake or RBI regulated until the lender is identified. The FAQs below cover what the website does and does not prove, how to identify the lender, and how to reach support or report a problem.
Accepted answer
Conditions: Proceed only with a complete KFS, matching agreement and verified beneficiary.
Key benefit: Kredito24 advertises loans up to ₹40,000, subject to lender approval.
Main characteristic: The website is live, but its legal operator remains unidentified.
Differentiator: RBI regulates the named bank or NBFC, not the app brand.
