Our Lending Partners

CRED facilitates distribution of loans for the following banks and NBFCs  (Lenders):

(i) IDFC First Bank Limited (see partners page here)

(ii) Kisetsu Saison Finance (India) Private Limited (see website here, see active partners page here)

(iii) Lenders onboarded with NDX P2P Private Limited (Liquiloans) (see website here, see active partners page here)

(iv) Hari & Company Investments Madras Private Limited (see website here, see active partners page here)

(v) DBS Bank India Limited (see privacy policy here, see partners page here)

(vi) Newtap Finance Private Limited (formerly known as Parfait Finance and Investments Private Limited) (see website here)
(vii) L&T Finance Limited (see website here, see active partners page here)
(viii) Co-lending arrangement by YES Bank Limited (see website here and partners page of YES Bank Limited here under the sections titled ‘Our Sourcing Partners’ and ‘Co-lending Partners’) and Newtap Finance Private Limited (see partners page of Newtap Finance Private Limited here under the sections titled ‘Our Partners’ and ‘Co-lending Partners’). For further details on YES Bank Limited's digital lending arrangements, please see here.

(ix) Co-lending arrangement by L&T Finance Limited (see website here, see active partners page here) and Newtap Finance Private Limited (see partners page of Newtap Finance Private Limited here under the sections titled ‘Our Partners’ and ‘Co-lending Partners’).

(x) Aditya Birla Capital Limited (see website here, see privacy policy here, see partners page here)

(xi) DSP Finance Private Limited (see website here, see privacy policy here, see partners page here)

(xii) Poonawalla Fincorp Limited (see website here, see privacy policy here)
(xiii) KrazyBee Services Limited (see website here, see privacy policy here)

CRED Grievance Redressal

User shall have information in relation to the loan available to him/her on the CRED App and may seek additional information via CRED Customer Support through the CRED App. If the information on CRED App is not sufficient to resolve the query, the user may reach out to CRED at the following details below:

Email: grievanceofficer@cred.club

Contact: Grievance Redressal Form
Address: Grievance Officer, CRED, No. 769 and 770, 100 Feet Road, 12th Main Road, HAL 2nd Stage, Indiranagar, Bangalore, Karnataka, India - 560038.

CRED Telephone No: 080-62209150

Grievance redressal details of our lending partners

The User is also entitled to contact the relevant Lender and/or follow the relevant Lender’s grievance redressal policy. The Lenders and their respective grievance redressal mechanisms are as listed below:

IDFC First Bank Limited
Principal Nodal Officer details:
Principal Nodal Officer: Mr. Vipul Raj
email-id: pno@idfcfirstbank.com
Address: IDFC First Bank Limited, Building No. 9, 17th floor, Gigaplex Raheja Mindspace IT-5, Airoli, Navi Mumbai - 400708, Maharashtra
Grievance Policy: https://www.idfcfirst.bank.in/support/grievance-redressal
Privacy Policy: https://www.idfcfirst.bank.in/privacy-policy

Kisetsu Saison Finance (India) Private Limited
Grievance Redressal Officer: Mr. Emaad Khan
email-id: grievance@creditsaison-in.com
Grievance Policy: https://regulatory.creditsaison.in/grievance-redressal-policy
Privacy Policy: https://creditsaison.in/privacy-policy

NDX P2P Private Limited (Liquiloans)
email-id: customercare@liquiloans.com (Mon to Fri - 10:30 a.m. to 6:00 p.m.)
Grievance Policy: https://www.liquiloans.com/customer-grievances-redressal-mechanism
Privacy Policy: https://www.liquiloans.com/privacy-policy

Hari & Company Investments Madras Private Limited
Grievance Redressal Officer: Ajit K Menon
email-id: grievanceredressal@vivriticapital.com
Grievance Policy: https://www.vivriticapital.com/assets/files/digital-lending/Grievance%20Redressal%20Mechanism.pdf
Privacy Policy: https://www.vivriticapital.com/assets/files/privacy-policy/PRIVACY_POLICY.pdf

DBS Bank India Limited
Grievance Redressal Officer: Ms. Anita Dixit (Principal Nodal Officer)
email-id:  dbsnodalofficer@dbs.com
Grievance Policy: https://www.dbs.bank.in/in/treasures/common/redressal-of-complaints-and-grievances.page?pid=in-digi-pweb-footer
Privacy Policy: https://www.dbs.bank.in/in/treasures/privacy-policy.page

Newtap Finance Private Limited (formerly known as Parfait Finance and Investments Private Limited)
Grievance Redressal Officer: Mr. Ankush Parasor
email-id: gro@newtap.in
Grievance Policy: https://newtap.in/page/customer-grievance-redressal
Privacy Policy: https://newtap.in/page/privacy-policy

YES Bank Limited

Nodal Grievance Redressal details:
Grievance Redressal Officer : Mustufa Khajurwala
Email: mustufa.khajurwala@yes.bank.in
PNO details:
Principal Nodal Officer: Mr. Vikas Bindal
email id- principal.nodalofficer@yes.bank.in
Between 9.30 am to 6.00 pm
(except on 2nd and 4th Saturday, Sunday and bank holidays)
Grievance Policy: https://www.yes.bank.in/pdf?name=grievanceredressal_policy_english.pdf
Grievance Redressal - https://yesorigins.yes.bank.in/ords/r/yesorigins/complaint-form/main
Privacy Policy: https://www.yes.bank.in/privacy-policy

L&T Finance Limited
Grievance Redressal Officer: Mr. Vinod Varadan
Email-ID: gro@ltfs.com
Grievance Policy: https://www.ltfs.com/grievance-redressal
Privacy Policy: https://www.ltfinance.com/privacy-policy

Aditya Birla Capital Limited
Grievance Redressal Officer: Mr. Arijit Sen
Email id: grievance.finance@adityabirlacapital.com
Grievance Policy: https://www.adityabirlacapital.com/loans/grievanceandredressal
Privacy Policy: https://www.adityabirlacapital.com/privacy-policy
Address: Aditya Birla Capital Limited,10th Floor, R-Tech Park, Nirlon Complex, Goregaon, Mumbai – 400063

Poonawalla Fincorp Limited
Grievance Redressal Officer: Arnab Das
email-id: grievance@poonawallafincorp.com
Mob No: 020-67808090

Customer Care -
email-id: customercare@poonawallafincorp.com
Mob No: 020-67808090
Grievance Policy: https://poonawallafincorp.com/documents/d/poonawalla-fincorp/grievance-redressal-policy
Privacy Policy: https://poonawallafincorp.com/privacy-policy

KrazyBee Services Limited

Grievance Redressal Officer: Mr. Sauraw Kumar

Address: KrazyBee Services Limited, 3rd Floor, No. 128/9, Maruthi Sapphire, HAL Old Airport Road, Murugesh Palya, Bangalore - 560017
email-id: reachus@kbnbfc.in
Mob No: 8044292555 / 8068534555

Grievance Policy: https://www.kbnbfc.in/grievance-redressal
Privacy Policy: https://www.kbnbfc.in/privacy-policy

Terms & Conditions: https://www.kbnbfc.in/terms-and-conditions

DSP Finance Private Limited
Grievance Redressal Officer details:
Name of Officer: Mr. Nishant Athmakoori
email-id: grievance.officer@dspfin.com
Mob No: 022-41484529 (9am - 5pm on business days)

Principal nodal officer
Name of Officer: Mr. Sahib Pahwa
email-id: nodalofficer@dspfin.com
Mob No: 022-41484529
Grievance Policy: https://dspfin.com/grievance-redressal/
Privacy Policy: https://dspfin.com/assets/policies/privacy-policy.pdf#page=1

If your grievance remains unresolved, or if there is no response or if you are not satisfied with the response of Grievance Redressal Officer within 30 days of making the complaint, you may contact the Banking Ombudsman at https://cms.rbi.org.in/.

Default Loss Guarantee Disclosures

Digital Lending App: CRED

Below are the details regarding the outstanding AUM in the loan portfolios where CRED has entered into default loss guarantee arrangements with its lending partners. The numbers below indicate the outstanding AUM as on April 30, 2026 (unaudited numbers):

Lender A (in INR crore): 

Portfolio A1: 90.79

Portfolio A2: 56.37

Portfolio A3: 57.61

Portfolio A4: 84.91

Portfolio A5: 156.75

Portfolio A6: 131.38

Portfolio A7: 175.31

Portfolio A8: 242.94

Portfolio A9: 257.38

Portfolio A10: 308.14

Portfolio A11: 488.17

Portfolio A12: 680.57

Portfolio A13: 948.17

Portfolio A14: 393.14

Lender B (in INR crore): 

Portfolio B1: 29.74

Portfolio B2: 38.01

Portfolio B3: 36.99

Lender C (in INR crore): 

Portfolio C1.1: 413.44

Portfolio C1.2: 55.87

Digital Lending App: Prefr / CreditVidya

Below are the details regarding the outstanding AUM in the loan portfolios where Prefr / CreditVidya has entered into default loss guarantee arrangements with its lending partners. The numbers below indicate the outstanding AUM as on April 30, 2026 (unaudited numbers):

Lender C (in INR crore): 

Portfolio C2.1: 52.24

Portfolio C2.2: 514.92

Portfolio C2.3: 81.68

Lender D (in INR crore): 

Portfolio D1: 29.31

Portfolio D2: 40.20

List of Sub-contractors / Collection Agencies

1. CRED uses the following sub-contractors/technology service providers to offer Credit Products. Some of your data/data concerning Credit Products may be shared with these entities and/or stored in their systems:

i. Amazon Web Services (Indian servers)

ii. Khosla Labs Private Limited

iii. Dreamplug Paytech Solutions Private Limited

iv. Razorpay Software Private Limited

v. Cashfree Payment India Private Limited

vi. Hyperverge Technologies Private Limited

vii. Ozonetel Communication Private Limited

viii. Sumeru Enterprise Tiger Business Solutions Private Limited

ix. Signzy Technologies Private Limited

x. Digiotech Solutions Private Limited

xi. Yes Bank Limited

xii. Karza Technologies Private Limited

2. As an LSP, CRED provides the Lender's collections/recovery/loan services on behalf of lenders. To perform this function, if any amount is overdue with respect to any Credit Product, your data may be shared with the sub-contractors listed below, who may contact you for debt counseling and to encourage repayment of outstanding amounts.

i. Adept Guild

ii. Adwaith Associates

iii. AGPO Management Services Private Limited

iv. Analog Legalhub Technology Solutions Private Limited

v. Avaya India Private Limited

vi. Axonwise Private Limited

vii. Captris Management Services LLP

viii. Catch Services Inc

ix. Cedar Business Solution

x. Citi Enterprises

xi. Credit Solution

xii. Epoch Pride

xiii. Gnani Innovations Private Limited

xiv. Guru Kripa Inc

xv. ICollect India Private Limited

xvi. Janavi Business Solutions

xvii. Jay Ambey Debt Management Private Limited

xviii. Joy Ventures

xix. Kanufox Management Services

xx. Kaushik Enterprises

xxi. Krishna Associates

xxii. Om Sai Enterprises

xxiii. Orange Fintech India Private Limited

xxiv. Pointfront Technologies Private Limited

xxv. Rajasthan Marketing & Services

xxvi. Rawla Associates Private Limited

xxvii. RKS Infra Solutions

xxviii. RMS Financial Services

xxix. Samavesh Marketing India Private Limited

xxx. Sarga Associates

xxxi. Saviiour Agency

xxxii. SES Financials

xxxiii. Shivtel Communications Private Limited

xxxiv. Shrey Associates

xxxv. Shri Sainath Financial Services

xxxvi. Simple Telecom Private Limited

xxxvii. Srinithya Financial Services

xxxviii. Srinivasa Enterprises

xxxix. SRS Associates

xl. Stoic AI Private Limited

xli. Swaraj Associates

xlii. Synergy Consultants

xliii. Tanuraj Associates

xliv. The One Associate

xlv. Treline Advisory Private Limited

xlvi. Vcatch Services

xlvii. White Stone

3. When you utilize Credit Products to execute payments to merchants, relevant transaction data may be shared and stored by the pertinent payment aggregators and/or the merchants.

4. When you avail insurance along with your Credit Products, your Personal Data may be shared with insurers, and it may be necessary to undertake the Know Your Customer (KYC) process.