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 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)

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

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

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

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 December 31, 2025 (unaudited numbers):

Lender A (in INR crore): 

Portfolio A1: 98.33

Portfolio A2: 71.73

Portfolio A3: 77.09

Portfolio A4: 111.91

Portfolio A5: 203.46

Portfolio A6: 196.54

Portfolio A7: 253.24

Portfolio A8: 346.64

Portfolio A9: 371.83

Portfolio A10: 465.65

Portfolio A11: 736.29

Portfolio A12: 979.55

Lender B (in INR crore): 

Portfolio B1: 36.57

Lender C (in INR crore): 

Portfolio C1.1: 309.96

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 December 31, 2025 (unaudited numbers):

Lender C (in INR crore): 

Portfolio C2.1: 68.64

Portfolio C2.2: 468.67

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. Adwaith Associates
ii. AGPO Management Services PVT LTD
iii. Analog Legalhub Technology Solutions Private Limited (Credgenics)
iv. Avaya India Private Limited
v. AXONWISE PRIVATE LIMITED (Sarvam)
vi. Buzzworks Business Services Private Limited
vii. Captris Management Services LLP
viii. Catch Services Inc
ix. Cedar Business Solution
x. Cimmons Integrated Services Pvt Ltd
xi. Citi Enterprises
xii. Credit Solution
xiii. DAOFRONT INC (Layerup)
xiv. Debt Care Enterprise PVT LTD
xv. Epoch Pride
xvi. Gnani Innovations Private Limited
xvii. Guru Kripa Inc
xviii. ICollect India Private Limited
xix. Janavi Business Solutions
xx. Jay Ambey Debt Management Pvt. Ltd
xxi. KANUFOX MANAGEMENT SERVICES
xxii. Krishna Associates
xxiii. Lendkraft Technologies Solutions Private Limited
xxiv. OM SAI ENTERPRISES
xxv. Orange Fintech India Private Limited
xxvi. Procollect Services Private Limited
xxvii. Rajasthan Marketing & Services
xxviii. Rawla Associates Pvt Ltd
xxix. RKS Infra Solutions
xxx. RMS Financial Services
xxxi. Samavesh Marketing India Private Limited
xxxii. Sarga Associates
xxxiii. Saviiour Agency
xxxiv. SES Financials
xxxv. Shivtel Communications Private Limited (Fonada)
xxxvi. Shrey Associates
xxxvii. Simple Telecom Private Limited (Simple2Call)
xxxviii. Srinithya Financial Services
xxxix. SRS Associates
xl. Stoic AI Private Limited (Ringg AI)
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.