# KreditBee

> Source: https://docs.barcoder.ai/docs/wallets/kreditbee
> research date 2026-05-29 · extracted at 2026-10-07
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [KreditBee — official](https://www.kreditbee.in/)

## Overview

**KreditBee** is **India's leading digital lending app for young professionals**, serving **180+ million individuals** <sup>[1][1], [2][2], [India report](https://docs.barcoder.ai/docs/payments/IN)</sup>. **Bengaluru-based**, founded 2016.

**April 2026 — KreditBee $280M Series E + $1.5B unicorn valuation** <sup>[3][3], [4][4]</sup>:
- **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** <sup>[4][4]</sup>:
- **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** <sup>[1][1]</sup> as IN digital-lending app for young professionals.

**2018-2024 — Mass IN young-professional lending adoption** <sup>[1][1]</sup>: 180M+ individuals served (cumulative).

**April 2026 — $280M Series E + $1.5B unicorn valuation** <sup>[3][3]</sup>: 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 QR](https://docs.barcoder.ai/docs/standards/upi-qr)** (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** <sup>[4][4]</sup>:
- **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](https://docs.barcoder.ai/docs/wallets/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** <sup>[3][3], [4][4]</sup>:
- **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]: https://tracxn.com/d/companies/kreditbee/__V0swZp23kxqUss0hl-OVR-q3kqNeqi1q_qNaWWSASYQ "KreditBee — Tracxn"
[2]: https://www.kreditbee.in/about-us "KreditBee about us"
[3]: https://www.outlookbusiness.com/corporate/kreditbee-joins-unicorn-club-hits-15bn-valuation-with-pre-ipo-funding "KreditBee unicorn $1.5B Apr 2026 — Outlook Business"
[4]: https://fintechnews.sg/128737/fintech-india/kreditbee-raises-280m-valuation-1-5b-ipo/ "KreditBee $280M $1.5B IPO — Fintech Singapore"
[in-cro]: https://docs.barcoder.ai/docs/payments/IN

- [1] [KreditBee — Tracxn][1]
- [2] [KreditBee about us][2]
- [3] [KreditBee unicorn $1.5B Apr 2026 — Outlook Business][3]
- [4] [KreditBee $280M $1.5B IPO — Fintech Singapore][4]
- <sup>[India report](https://docs.barcoder.ai/docs/payments/IN)</sup> In-corpus: `reports/countries/IN-india.md`

## Source

Biography extracted from [kreditbee.md](https://docs.barcoder.ai/source/wallets/kreditbee). See `matrix.md` for standards-support matrix if present.