Terms of use

Who we are

KredBaba ("we") operates kredbaba.com as a Lending Service Provider (LSP). We are not a bank or NBFC, we do not lend, and we do not guarantee that any lender will approve any application. Legal entity details: [VERIFY — entity name, CIN, registered address to be inserted before launch].

The service

We collect the information you give us, obtain a consent-based soft bureau pull, and show you offers from RBI-registered lending partners that match. All loan decisions, agreements, disbursals, and collections are between you and the lender.

No fees from you

We never charge borrowers. Anyone demanding a fee to process "your KredBaba loan" is committing fraud — report it to us and to cybercrime helpline 1930.

Eligibility to use the service

You must be 18+ (in practice most partners lend only to 21+), an Indian resident, applying for yourself with your own documents.

Accuracy

You agree the information you submit is true. Rates, fees and product details shown for lenders are compiled in good faith and re-verified on a cycle; the lender's own Key Fact Statement is always the authoritative document.

Liability

The service is provided as-is. We are not liable for a lender's decision, pricing, service or conduct — but we do want to know about misconduct: it affects whether a lender stays on the platform. Report via grievance redressal.

Governing law

Indian law; courts at [VERIFY — jurisdiction city].