Fair practices & code of conduct

Version 2026-10-v2 · Applies to kredistar.in and the Kredistar app

Kredistar Finserv Pvt. Ltd. acts as a Direct Selling Agent (DSA) for RBI-regulated banks and NBFCs. Lenders remain responsible for the conduct of their DSAs, and each lender’s own Fair Practices Code also applies to your loan. This code sets out the commitments we make on top of that.

1. Who we are, always

• Our staff identify themselves, Kredistar Finserv, and — once your application is matched — the lender they are sourcing for.
• We carry identity cards and share the lender’s name in writing on request.
• We never claim to be a bank, an NBFC or a lender’s employee.

2. Honest information

• We explain the interest rate, APR, processing fee, tenure and key charges using the lender’s Key Fact Statement, in a language you understand.
• We never promise or guarantee approval, a particular rate or a loan amount.
• We recommend products based on your needs and repayment capacity, not on the commission we earn.

3. No money from borrowers

• Kredistar does not charge borrowers any fee. We never collect cash, “file charges” or advance payments.
• Any processing fee is paid only to the lender, as disclosed in its KFS, usually deducted from the disbursed amount.
• EMIs are paid only to the lender — never to Kredistar, an advisor or any personal account.

4. Respectful contact

• We contact you only about requests you have made, by the channels you have agreed to, between 9 AM and 7 PM, Monday to Saturday.
• You can ask us to stop contacting you at any time; we will update our records immediately.
• We do not use abusive language, threats or pressure tactics, and we do not contact your family, friends or employer about your application.

5. Your data and documents

• We collect only the information and documents the lender needs, with your consent, and share them only with the lender processing your application.
• We never ask for OTPs, UPI PINs, passwords or full card details, and we do not ask for your full Aadhaar number — only a masked copy.
• Uploaded documents are stored in private, access-controlled storage and are not sold or used for unrelated marketing.

6. Sub-agents and partners

Partners who refer borrowers to Kredistar must accept this code, may not collect any money from borrowers, and may not represent themselves as Kredistar employees or lender staff. Breaches lead to immediate termination of the partnership.

7. Complaints

If any Kredistar representative falls short of this code, tell us at contact@kredistar.in or +91 93908 07900. See our grievance redressal policy for escalation to the lender and to the RBI Integrated Ombudsman.