01 · Technology
Lending & payment platforms
LOS, LMS, credit decisioning and collections, plus web and mobile journeys that take a loan from application to repayment. Explore the platform →
NEWNow onboarding early lending partners
Lending infrastructure for India's banks, NBFCs and MFIs, built on trust.
Kredova helps lenders launch, run and grow lending with digital platforms, compliance expertise and customer sourcing. Borrower services with RBI-regulated partner lenders are launching soon.
Connecting the credit ecosystem
LendersBanks
LendersNBFCs & MFIs
KredovaTechnologyAdvisorySourcing
BorrowersIndividuals
BorrowersMSMEs
Built to partner with RBI-regulated lenders
Compliance-first by design
Built for Indian regulation
Clear grievance redressal
Solutions
Four capabilities. One accountable partner.
Use one service or combine them. Each is built for the realities of Indian lending: high volume, tight regulation and thin margins.
02 · Advisory
Governance, risk & compliance
Regulatory compliance, internal controls, process improvement and digital transformation strategy.
03 · Lending services
Sourcing & loan servicing
DSA, DMA and loan service provider work: lead generation, application support and customer assistance.
04 · Distribution & literacy
Financial products & inclusion
Loans, insurance and investments from partners, plus financial literacy and awareness programmes.
Lending technology
The full loan lifecycle, from first click to final repayment.
Origination, servicing, credit decisioning and collections, configurable for JLG, individual, MSME and secured lending.
LOSEarly access
Onboard borrowers and move applications to sanction, faster
Digital and assisted onboarding for branch, field and online channels, with every step tracked and auditable.
- Web, mobile and field-app onboarding
- eKYC, CKYC and document capture
- Credit bureau integration
- Configurable approval workflows
- Sanction letter and KFS generation
- e-Sign, e-Stamp and eNACH mandates
Workflow
- 1Lead captured
- 2KYC verified
- 3Bureau and credit check
- 4Approval and sanction
- 5Disbursement
LMSEarly access
Service every loan accurately, from disbursement to closure
A single system of record for the loan book, with schedules, charges and accounting that stay in sync.
- Loan booking and disbursement
- EMI, weekly and flexible schedules
- Interest accrual, charges and waivers
- Prepayment, foreclosure and restructuring
- DPD tracking and asset classification
- GL posting and regulatory reports
Workflow
- 1Loan booked
- 2Schedule generated
- 3Repayments posted
- 4DPD and provisioning
- 5Closure and NOC
BREEarly access
Consistent credit decisions, with policy you control
A configurable rule engine that applies your credit policy the same way every time. The final decision always stays with your credit team.
- Configurable credit policy rules
- Bureau and alternate data inputs
- Scorecards and eligibility checks
- Deviation and approval matrix
- Full audit trail of every decision
- Policy changes without code
Workflow
- 1Application data
- 2Policy rules applied
- 3Score and eligibility
- 4Deviations routed
- 5Decision recorded
COLLECTIONSEarly access
Collect on time, reconcile in real time
Digital and field collections with automated repayments and reconciliation, designed around fair practices for borrowers.
- Field collections app with offline mode
- eNACH and UPI AutoPay presentations
- UPI and payment-link repayments
- Real-time reconciliation
- DPD buckets and case allocation
- Digital receipts for every payment
Workflow
- 1Dues scheduled
- 2Auto-debit presented
- 3Field or digital collection
- 4Reconciled to the loan
- 5Receipt sent
Three ways to work with us
Kredova platformEarly access
Our own cloud-based lending platform. Join as an early partner and help shape the roadmap.
Partner platforms
Proven platforms from our technology partners, implemented and supported by Kredova.
Implementation services
Already chosen a system? We help you select, configure, migrate and roll it out to your branches.
Use cases
How we can help.
Illustrative scenarios showing how our services come together for different needs. Pick an audience, then a scenario.
Launching a new digital personal loan product
The challenge
A mid-sized NBFC wants to add a digital personal loan, but has no app journey, no sourcing channel and needs every step to meet RBI digital lending rules.
What Kredova does
- Design and deploy the web and mobile application journey
- Set up Key Fact Statements, consent capture and grievance flows
- Activate a DSA sourcing channel for the first borrowers
The outcome
One partner takes the product from idea to first disbursement, with compliance built in rather than retrofitted.
Setting up a bank–NBFC co-lending partnership
The challenge
A bank and an NBFC agree to co-lend, but need a clear operating model, aligned credit processes and systems that talk to each other.
What Kredova does
- Map the co-lending process, roles and approvals
- Review policies and agreements against applicable RBI directions
- Integrate data flows between the two partners' systems
The outcome
A partnership that goes live with clear accountability, auditable processes and fewer manual handoffs.
Readiness review against digital lending guidelines
The challenge
A lender working with several apps and service providers isn't sure every journey meets current disclosure, consent and grievance requirements.
What Kredova does
- Walk through each borrower journey end to end
- Check KFS, disclosures, data handling and LSP arrangements
- Deliver a prioritised gap report and remediation plan
The outcome
A clear view of compliance gaps, with a practical plan the board and auditors can track.
Reaching new borrowers in Tier 2 and Tier 3 towns
The challenge
An NBFC wants to grow outside metros, but building its own branch and field network would be slow and costly.
What Kredova does
- Source and qualify customers through a trained DSA network
- Support applications and document collection
- Provide local customer assistance after sanction
The outcome
Faster entry into new markets with a variable-cost sourcing channel.
Loan services are launching soon with RBI-regulated partner lenders. Register your interest and we'll contact you when they go live.
A shop owner who needs working capital before the festive season
The challenge
A retailer needs funds for stock ahead of peak season, but doesn't know which lender suits a business of their size.
What Kredova does
- Understand the business and its credit need
- Introduce suitable offers from partner lenders
- Help with documents and the application
The outcome
The right credit, from a regulated lender, explained clearly before signing.
A salaried professional comparing personal loan offers
The challenge
Different offers quote different rates and fees, and it's hard to compare the true cost.
What Kredova does
- Explain the Key Fact Statement and total cost of each offer
- Guide the application with the chosen lender
- Stay available for questions after sanction
The outcome
An informed choice, with no surprises in fees or terms.
Financial literacy for women entrepreneurs and SHGs
The challenge
Self-help group members want to grow their enterprises but lack confidence with credit, savings and digital payments.
What Kredova does
- Run sessions on budgeting, credit and safe borrowing
- Show how to use digital payments safely
- Explain how to raise a complaint and protect personal data
The outcome
More confident borrowers who make safer financial decisions.
How it works
One partner across the credit journey.
Step 01 · Source
Find and qualify the right customers
Our sourcing teams and digital channels generate leads for partner lenders and check basic eligibility before anyone applies.
DSA and DMA networks
Digital lead generation
Eligibility pre-screening
Step 02 · Assess
Support underwriting with clean, complete files
We help collect documents and data so lenders can make faster, better-informed credit decisions. The decision always stays with the lender.
Document collection
Data and consent capture
Application support
Step 03 · Comply
Build compliance into every journey
Disclosures, consent, data handling and grievance processes are designed in from the start and reviewed against applicable RBI rules.
KFS and disclosures
Internal controls
Grievance processes
Step 04 · Digitise
Run lending on modern platforms
Web and mobile journeys, payment solutions and SaaS tools reduce manual work and give lenders real-time visibility.
Application journeys
Digital payments
Dashboards and reporting
Step 05 · Grow
Scale with confidence
As volumes grow, we help lenders expand into new products and markets, and help borrowers build healthier financial habits.
New products and markets
Customer assistance
Financial literacy
Why Kredova
Trust, in motion.
Kredova is founded by a lending operator with over 18 years across microfinance field operations, NBFC leadership and lending technology. We know how credit works on the ground, not just on paper.
Our mark carries three commitments, and every engagement is measured against them.
Technology & Execution
Digital systems that are practical, secure and delivered on time.
Trust & Governance
Compliance built in from the first conversation, not added at the end.
Financial Growth
Better access to credit for borrowers, better outcomes for lenders.
Leadership
Built by someone who has run lending on the ground.
PP
Pranav Prakash
Founder, Kredova
My journey started in the field, in branches and with credit and collections teams. Kredova exists for one purpose: to make lending more structured, scalable and accessible.View on LinkedIn
Pranav has spent over 18 years across microfinance field operations, NBFC leadership and lending technology. He began as an Area Manager, led process design and digital transformation at Bharat Financial Inclusion and Satin Creditcare, and has since co-founded businesses in lending and lending infrastructure.
NDIA5Co-FounderPayment and lending infrastructure for banks and NBFCs.
SriFin CreditCo-FounderNBFC-MFI focused on microfinance lending.
Lending technology ventureCo-FounderCo-built a UPI-based collections solution that helped NBFCs collect instalments remotely, with real-time reconciliation.
Satin Creditcare NetworkHead of OperationsLed digital transformation and credit administration.
Bharat Financial InclusionArea Manager to Senior Principal ManagerFormerly SKS Microfinance. Regional operations, process and policy design.
For borrowers
Know your EMI before you borrow.
Borrowing responsibly starts with understanding what you'll repay. Move the sliders to estimate your monthly instalment.
For illustration only. Your actual EMI depends on the lender's interest rate, fees and terms, which must be shown to you in the Key Fact Statement before you sign.
Monthly EMI
₹14,404
Total interest₹45,692
Total repayable₹3,45,692
Borrower protection
Kredova never charges borrowers any fee and never asks for upfront payment to get a loan. Loans are offered only by RBI-regulated lenders, and any loan offer must come with a Key Fact Statement. If anyone asks you to pay to get a loan in Kredova's name, please report it to us.
Contact
Let's talk about what you're building.
Tell us about your organisation or requirement, and our team will get back to you shortly.
- admin@kredova.in
- +91 99899 32255
- 2707, Pristine Block, Spring Valley Road, Lingampalli, Serilingampally, K.V. Rangareddy, Hyderabad – 500019, Telangana, India