India’s leading digital lenders providing small ticket loans to empower underserved

India being a developing and the second most populous country, always had the need for credit. Before the adoption of technology, people had no choice to borrow money from friends & family as lending was a complicated process. Now the new age digital lending platforms have simplified the lending procedure and are providing micro loans to the vast category of underserved & missing middles with rapid online applications and instant loan disbursals. Small ticket size loans have elevated the purchasing power of people & customer trust in the lending segment. Here are India’s leading digital lenders providing small ticket loans & empowering the underserved.


Incepted in 2018, RupeeRedee is a digital lending platform that allows consumers to fulfill their lending needs in simple steps with the help of technology. The app gives you the access to personal loans within few minutes on your fingertips. It is a tech driven digital lending platform that leverages technology and data sciences to make lending accessible for India’s massive population of underserved customers. With robust KYC and smooth process it makes the consumer journey hassle free, quick and also safeguard your data. It currently has 4.51 million Installs on Google play Store and has an average traffic of 400K on its website. Operating with its own Captive NBFC FincFriends Private Limited in the background to facilitate short-term personal loans coupled with digital lending services and have deployed various forms of underwriting including alternate data sources and is not restricted to credit score-based underwriting only. Following the Fair Practice Code and compliance process it offers its consumer a great experience and satisfaction.



Mumbai-based CASHe is a digital lending platform for young salaried millennials. CASHe provides instant short-term personal loans ranging from INR 1,000 to INR 400,000 for tenure of up to 1.5 years to young working professionals based on their social profile, merit and earning potential and the company uses its proprietary algorithm-based machine learning platform.



KreditBee is a platform that facilitates loan transactions between borrowers and personal loan providers such as NBFCs/Banks. All loan applications are approved and sanctioned by the NBFCs/Banks registered with the RBI. KreditBee takes pride in being inclusive as an Instant Loan provider, where users can apply for Personal Loans up to ₹ 4 lakhs as per the requirement. The documentation needed is minimal and the entire process starting from registration to disbursement takes an average of 10 minutes. The application process is completely online and on approval, the funds are immediately transferred to the bank account of the applicant. There are a number of unique Loan Offers available with simple repayment plans.



Founded in 2016, SmartCoin Financials Pvt. Ltd. is an app-based consumer lending platform. They partner with RBI-registered NBFCs to offer instant personal loans to self-employed and salaried individuals. With a vision to address the concerns of the vast under banked in India, They are evolving from a micro-lending platform to providing a full suite of offerings, including gold savings, insurance, among others. With SmartCoin, one can get loans from ₹1,000 to ₹70,000 within tenure of 91 days to 270 days at a minimum interest rate of 20% and maximum interest rate of 36%.

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