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 partners page here)
(iii) Lenders onboarded with NDX P2P Private Limited (Liquiloans) (see partners page here)
(iv) Vivriti Capital Private Limited (see website here, see 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 partners page here)
(vii) L&T Finance Limited (see partners page here)
(viii) Co-lending arrangement by YES Bank Limited (see 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 partners page of L&T Finance Limited 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)
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
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@idfcfirst.bank.in
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
Vivriti Capital Private Limited
Grievance Redressal Officer: Ajit K Menon
email-id: grievanceredressal@vivriticapital.com
Grievance Policy: https://www.vivriticapital.com/Greivance_Redressal_Mechanism
Privacy Policy: https://www.vivriticapital.com/assets/files/privacy-policy/VCL-IT-ISP-13%20Data%20privacy%20policy%20V%203.0.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/ComplainForm/Complaint
Privacy Policy: https://www.yes.bank.in/privacy-policy
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/.
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
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 November 30, 2025 (unaudited numbers):
Portfolio A1: 100.3
Portfolio A2: 77.59
Portfolio A3: 82.8
Portfolio A4: 120.11
Portfolio A5: 217.42
Portfolio A6: 214.84
Portfolio A7: 275.27
Portfolio A8: 377.72
Portfolio A9: 407.32
Portfolio A10: 512.49
Portfolio A11: 809.39
Portfolio A12: 670.93
Portfolio B1: 38.12
Portfolio C1.1: 255.85
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 November 30, 2025 (unaudited numbers):
Portfolio C2.1: 72.43
Portfolio C2.2: 438.54
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. Adwaith Associates
ii. AGPO Management Services PVT LTD
iii. Analog Legalhub Technology Solutions Private Limited
iv. AXONWISE PRIVATE LIMITED
v. Buzzworks Business Services Private Limited
vi. Captris Management Services LLP
vii. Catch Services Inc
viii. Cedar Business Solution
ix. Cimmons Integrated Services Pvt Ltd
x. Citi Enterprises
xi. Credit Solution
xii. DAOFRONT INC
xiii. Debt Care Enterprise PVT LTD
xiv. Epoch Pride
xv. Gnani Innovations Private Limited.
xvi. Guru Kripa Inc
xvii. ICollect India Private Limited
xviii. Janavi Business Solutions
xix. Jay Ambey Debt Management Pvt. Ltd
xx. Krishna Associates
xxi. Lendkraft Technologies Solutions Private Limited
xxii. OM SAI ENTERPRISES
xxiii. Orange Fintech India Private Limited
xxiv. Pointfront Technologies Private Limited
xxv. Procollect Services Private Limited
xxvi. Rajasthan Marketing & Services
xxvii. Rawla Associates Pvt Ltd
xxviii. RKS Infra Solutions
xxix. RMS Financial Services
xxx. Samavesh Marketing India Private Limited
xxxi. Sarga Associates
xxxii. Saviiour Agency
xxxiii. SES Financials
xxxiv. Shivtel Communications Private Limited
xxxv. Shrey Associates
xxxvi. Simple Telecom Private Limited
xxxvii. Srinithya Financial Services
xxxviii. SRS Associates
xxxix. Stoic AI Private Limited
xl. SWARAJ ASSOCIATES
xli. SYNERGY CONSULTANTS
xlii. The One Associate
xliii. Treline Advisory Private Limited
xliv. Vcatch Services
xlv. 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.