Every EMI you pay on time moves you up the KrimKar Rate Index — and drops your rate on the next loan. Start at your first-loan rate. Keep going down.
Personal loans ₹50,000–₹10,00,000 · from 13.5% p.a. (reducing balance) · credit decision in minutes
Checking your rate does not affect your credit score.
One platform, 5 products.
₹50K–₹10L · 2–60 months · Salaried or self-employed
₹1L–₹25L · GST-based underwriting · No branch visit
₹25K–₹5L · Same-day disbursal · Minimal documents
Up to ₹1.5L · 12–48 months · New or used bikes
₹25K–₹2L · Under 15 minutes · Salaried borrowers
All loan products are originated and disbursed by our RBI-registered NBFC lending partner(s). KrimKar is a technology platform, not a lender.
The KrimKar Rate Index combines 5 real-time signals to personalise your interest rate. No black box — here's exactly what moves it.
On-time EMI payments build your KrimKar Score — the biggest driver of your rate. Pay consistently, move up tiers, pay less interest.
Your CIBIL / Experian score is an input, not the verdict. We weight it alongside your actual repayment behaviour with us.
FDs, gold, property, mutual funds — declared and verified assets unlock additional rate discounts up to 2% p.a.
Like flight tickets, rates adjust with real-time loan demand on the platform. Apply when demand is low — get a lower rate.
Off-peak applications (11 PM–6 AM IST) qualify for a 5% reduction on your base rate. The platform rewards early risers and night owls alike.
Start at your first-loan rate. Every milestone you hit moves you up — and your rate goes down.
Your first KrimKar loan. Build your repayment history.
Starting tier3 consecutive on-time EMIs. Save up to ₹2,400/yr on a ₹2L loan.
3 on-time EMIsComplete your first loan with zero missed payments. Save up to ₹5,200/yr on a ₹2L loan.
First loan repaidTwo loans completed with clean repayment. KrimKar's best rates — reserved for our most trusted borrowers.
Two loans repaidRate illustrations are indicative. Actual rates depend on credit assessment at time of application.
Most applicants complete the entire journey in under 8 minutes.
Tell Kira how much you need and for how long. Get a personalised indicative rate instantly — no credit impact, no obligation.
Our AI guide walks you through your application conversationally. Upload documents via your phone camera. Account Aggregator pulls your financials securely.
Credit decision within minutes of submission. Upon approval and e-signing, funds are disbursed directly to your bank account — often same day.
No paperwork · No branch visit · 100% digital
Not a form. A conversation.
Kira is your personal AI loan guide — available 24/7, speaks your language, answers in seconds. No queues, no branch visits. Just a smart conversation that leads to your loan.
Partnered with RBI-registered NBFC(s) for all lending. Fully regulated.
Government-verified documents via DigiLocker. No physical copies needed.
RBI-licensed AA framework for secure, consent-based financial data sharing.
Every request, every document — end-to-end encrypted in transit and at rest.
Real experiences from KrimKar customers.
“I needed ₹2 lakhs for my mother's surgery. KrimKar had the money in my account the same evening. No branch, no agent, no drama.”
Rahul M.
Personal loan · ₹2,00,000 · Mumbai
“I had a low CIBIL score and expected rejection. Kira asked me about my income and assets — I got approved at 18%. Paid it off in 18 months and my next loan came at 15.5%.”
Priya S.
Personal loan · ₹1,50,000 · Bangalore
“As a self-employed CA, banks always wanted 2 years of ITR and a CA letter. KrimKar pulled my bank statements via AA in 30 seconds. Done.”
Amit K.
Personal loan · ₹3,00,000 · Pune
Names abbreviated for privacy. Experiences are representative of typical borrower journeys.
Takes 2 minutes. No credit impact. No paperwork.
₹50K–₹10L · Rates from 13.5% p.a. · 100% digital
Check My RateSubject to credit assessment and KYC verification.