RBI Regulated NBFC
ISO Certified
SSL Secured
4.8/5 Customer Rating
50,000+ Happy Borrowers
Financial Growth Partner

Empowering Financial Growth for Everyone

Quick, secure, and transparent loan solutions designed for every Indian. From personal needs to business dreams — we fund your future with dignity and ease.

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₹500Cr+
Loans Disbursed
50K+
Happy Borrowers
24hrs
Approval Time
Loan Dashboard Approved
₹2,50,000
Business Loan · 24 months
72% disbursed₹70,000 remaining
Monthly EMI₹12,480
Interest Rate12.5% p.a.
Next Due Date15 Jun 2026
Quick Approval
24 Hours
CIBIL Safe
650+ Score
About Us

Building India's Financial Future

Our Story

Credilab Micro Finance Private Limited is a next-generation NBFC-MFI committed to bridging India's credit gap. We combine cutting-edge technology with empathetic lending to serve the underserved — micro-entrepreneurs, women, rural households, and growing MSMEs.

Headquartered in India and driven by the vision of financial inclusion, we deliver fast, fair, and fully digital loan products that reach the last mile. Our processes are transparent, our policies are borrower-friendly, and our team is dedicated to your growth.

Our Vision
A financially inclusive India where every citizen has access to fair credit
Our Mission
Deliver transparent, tech-powered micro-credit to 1 million families
Core Values
Integrity, empathy, innovation and unwavering customer focus
Social Impact
Empowering underserved communities through dignified lending
Growth Metrics 2025–26

Credilab at a Glance

Driving financial empowerment across India

₹500 Cr+
Total Loans Disbursed
50,000+
Active Borrowers
12+
States Covered
98.2%
Repayment Rate
82% YoY Growth
Loan Products

Solutions for Every Need

From personal emergencies to business expansion — choose from our wide range of loan products crafted for your specific goals.

Personal Loan
Quick funds for medical emergencies, home renovation, education, weddings, and personal milestones — with minimal documentation.
Up to ₹5 LakhLoan Amount
12.5% p.a.Starting Rate
12–60 mo.Tenure
Apply Now
Business Loan
Grow your business with working capital, machinery purchase, inventory financing, or expansion funds tailored for SMEs.
Up to ₹25 LakhLoan Amount
13% p.a.Starting Rate
12–84 mo.Tenure
Apply Now
Microfinance Loan
Designed for rural and semi-urban borrowers — empowering low-income households with dignified, group-based credit access.
₹10K–₹1 LakhLoan Amount
10% p.a.Starting Rate
6–24 mo.Tenure
Apply Now
MSME Loan
Dedicated credit solutions for Micro, Small and Medium Enterprises under PMMY and government-backed schemes for growth.
Up to ₹50 LakhLoan Amount
11.5% p.a.Starting Rate
12–96 mo.Tenure
Apply Now
Women Empowerment Loan
Special loan schemes with lower rates for women entrepreneurs, self-help groups, and women-led households to thrive independently.
Up to ₹10 LakhLoan Amount
9.9% p.a.Starting Rate
12–60 mo.Tenure
Apply Now
Group Loan
Joint liability group loans for communities and self-help groups — collective borrowing with shared accountability and community support.
₹5K–₹2 LakhPer Member
9.5% p.a.Starting Rate
12–36 mo.Tenure
Apply Now
Why Credilab

Why Borrowers Choose Us

We've built every process around your convenience, trust, and financial wellbeing.

Quick Approval
AI-powered credit assessment delivers loan decisions within 24 hours — no waiting in queues or lengthy processes.
Minimum Documentation
Aadhaar, PAN, and a bank statement is all you need. Our digital-first process eliminates paperwork hassle.
Secure Process
Bank-grade SSL encryption, OTP-verified applications, and fully KYC-compliant procedures protect your data.
Transparent Policies
Zero hidden charges. Every fee, interest rate, and penalty is clearly communicated before you sign any agreement.
Trusted Financial Partner
RBI-regulated, with 50,000+ satisfied borrowers and a 98.2% repayment rate — we're a partner you can trust.
24/7 Customer Support
Dedicated relationship managers, WhatsApp support, and a multilingual helpdesk available whenever you need us.
How It Works

Get Your Loan in 5 Simple Steps

Our end-to-end digital process makes borrowing effortless — from application to account credit.

1
Apply Online
Fill out a quick 5-minute application form on web or app
2
Upload Documents
Submit Aadhaar, PAN & bank statement digitally
3
Verification
AI-powered credit check and KYC verification
4
Approval
Get approval notification within 24 hours via SMS/Email
5
Disbursement
Funds credited directly to your bank account same day
Loan Application

Start Your Loan
Application Today

Join 50,000+ happy borrowers who got funded through Credilab. The process is fully digital, 100% secure, and takes just 5 minutes.

No collateral required for loans up to ₹5 Lakh
100% digital — no branch visit needed
Competitive interest rates starting 9.5% p.a.
Flexible EMI with no prepayment charges
Funds disbursed within 24–48 hours of approval

Apply for Loan

Fill in your details and we'll call you back within 30 minutes

Select Loan Type
Personal
Business
Microfinance
MSME
Women
Group

Your data is 100% secure and never shared with third parties

EMI Calculator

Calculate Your Monthly EMI

Plan your repayments before you apply. Use our smart calculator to find the perfect loan plan for your budget.

Loan Amount ₹2,00,000
Interest Rate (p.a.) 12%
Loan Tenure 24 months
Eligible Amount Range
₹10,000 – ₹50,00,000 · Rates from 9.5% p.a.
Monthly EMI
₹9,416
For ₹2,00,000 at 12% for 24 months
Principal Amount
₹2,00,000
Total Interest
₹25,990
Total Payable
₹2,25,990
Processing Fee
~1% of loan
Apply for This Loan
Testimonials

Trusted by 50,000+ Borrowers

Real stories from real customers whose lives changed with Credilab.

★★★★★

"I needed funds urgently for my kirana shop's expansion. Credilab approved my MSME loan in just 18 hours! The entire process was on my phone. No branch visit, no agent harassment. Truly amazing service."

RS
Ramesh Sharma
Shop Owner, Lucknow
MSME Loan — ₹3 Lakh
★★★★★

"As a woman running a tailoring business, banks always turned me away. Credilab's Women Empowerment Loan gave me ₹2 Lakh at 9.9% — the lowest rate I've ever seen. My business has grown 3x!"

PD
Priya Devi
Tailoring Business, Kanpur
Women Loan — ₹2 Lakh
★★★★★

"Our SHG took a group loan to buy farming equipment for 12 families. The process was explained in Hindi, everything was transparent, and the EMI is very affordable. Credilab actually cares about us."

MK
Meena Kumari
SHG Leader, Varanasi
Group Loan — ₹1.2 Lakh
Mobile App

Manage Your Loans On the Go

Apply, track, repay, and manage all your Credilab loans from the palm of your hand — available in Hindi and English.

Instant Application
Apply for loans in under 5 minutes
Live Tracking
Real-time loan status updates
Auto Repayment
Set NACH mandates for easy EMIs
Smart Reminders
Never miss an EMI date
Get it on
Google Play
Download on
App Store
My Loans
Active: 2 accounts
₹2.5L
Business Loan
₹50K
Personal Loan
72% repaid28 EMIs left
Next EMI Due
₹12,480
15 June 2026
DSA Program

Become a Credilab Business Partner

Earn attractive commissions by referring loan customers. Join our 2,000+ DSA network across India.

High Commission Payouts
Earn 0.5%–2.5% commission on every disbursed loan you refer, paid directly to your account
Dedicated Partner App
Track leads, commissions, and disbursements in real-time through the Credilab DSA mobile app
Training & Support
Free onboarding, product training, and a dedicated relationship manager for every DSA
Monthly Incentives
Top performers get bonus payouts, certificates, and recognition at Credilab's annual partner events
Partner Helpdesk
1800-XXX-XXXX
Mon–Sat · 9 AM to 6 PM

Partner Registration

Join our DSA network and start earning today

Compliance

Regulated, Trusted, Compliant

Credilab operates under full RBI regulatory oversight. Your rights as a borrower are protected at every step.

RBI / NBFC-MFI Registered
Fully licensed and regulated by the Reserve Bank of India as an NBFC-MFI
Data Privacy Policy
We never sell your data. Full compliance with IT Act 2000 and DPDP Act 2023
Fair Lending Policy
Transparent terms, no predatory lending, and RBI Fair Practice Code adherence
Grievance Redressal
Dedicated grievance officer, 30-day resolution guarantee, and ombudsman access
CIN: U65929UP2024PTC000000 · RBI Registration No. XXXXX · NBFC-MFI Certified
Privacy Policy Terms & Conditions Grievance Policy Refund Policy Fair Practice Code
FAQ

Frequently Asked Questions

Who is eligible to apply for a loan at Credilab?
Any Indian resident aged 18–65 with a valid Aadhaar card, PAN card, and an active bank account is eligible. Salaried employees, self-employed individuals, small business owners, farmers, and SHG members are all welcome to apply based on respective loan product criteria.
What documents do I need to apply?
Basic requirements: Aadhaar Card, PAN Card, last 3–6 months bank statement, passport-size photograph, and proof of income (salary slip or business proof). For MSME loans, GST registration or Udyam certificate may be needed. All documents can be submitted digitally.
How fast will my loan be approved and disbursed?
Our AI-powered system processes applications within 24 hours of complete document submission. Once approved, funds are typically disbursed to your bank account within 24–48 hours. For pre-approved customers, disbursement can happen within 4 hours.
Is there a prepayment or foreclosure charge?
Credilab does not charge prepayment penalties after 6 months of loan tenure. Foreclosure within 6 months may attract a nominal charge as per your loan agreement. All such terms are clearly communicated before signing — no hidden surprises.
What is the minimum CIBIL score required?
We generally require a CIBIL score of 650 or above for personal and business loans. However, for microfinance and group loans, we evaluate applications on alternative credit parameters, making credit accessible even to first-time borrowers and those without formal credit history.
How do I contact Credilab for a complaint or grievance?
Email our grievance officer at grievance@credilab.in or call 1800-XXX-XXXX (toll-free). Complaints are acknowledged within 48 hours and resolved within 30 working days. If unresolved, you may approach the RBI Banking Ombudsman or the nearest Consumer Forum.