About CredBean

Most Indians who need ₹10,000 do not need a bank branch, a guarantor or three weeks of paperwork. They need a fair, transparent decision today. CredBean was built for exactly that borrower — the first-timer, the small-ticket earner, the household with a thin credit file.

What we do

CredBean is a technology platform. We collect your application, verify your identity with OTP and Aadhaar-based eKYC, score you using both bureau data and cash-flow signals, and match you to an RBI-registered lending partner who disburses the loan. Every charge is shown in a Key Fact Statement before you sign.

How we assess you

• Bureau record where one exists — never the only input.
• Bank-statement and UPI cash-flow patterns for thin-file borrowers.
• Household or co-applicant income for homemakers and students.
• Stability signals such as address tenure and employment continuity.

Our commitments

• No hidden fees. The full cost is disclosed before acceptance.
• No dark patterns, no forced insurance, no auto-increases in limit.
• Recovery follows the RBI Fair Practices Code — no harassment, ever.
• We never read your contacts, gallery or messages.