Rates, APR & disclosures
How much a loan arranged through Kredistar can cost, explained upfront.
Version 2026-10-v2 · Applies to kredistar.in and the Kredistar app
Who lends to you
Kredistar Finserv Pvt. Ltd. (CIN U66190KA2025PTC196445) is a Direct Selling Agent (DSA) and loan aggregator. We are not a bank or NBFC and we do not lend. Loans are sanctioned and disbursed by RBI-regulated partner lenders, including HDFC Bank, ICICI Bank, Axis Bank, State Bank of India, IDFC First Bank, Kotak Mahindra Bank, Bajaj Finserv, Tata Capital, HDB Financial Services, Poonawalla Fincorp, and others. The lender decides whether to approve your loan and on what terms.
Personal loans — tenure, APR and fees
| Minimum repayment tenure | 3 months |
|---|---|
| Maximum repayment tenure | 60 months |
| Maximum Annual Percentage Rate (APR) | 36.5% p.a., inclusive of interest and fees |
| Processing fee | 1% to 4% of the loan amount + 18% GST |
| Kredistar fee to borrower | ₹0 |
Most borrowers are offered rates well below the maximum. Your APR depends on the lender, your credit score, income and loan amount. Loans with a repayment period of 60 days or less are not offered.
Representative example
| Loan amount | ₹5,00,000 |
|---|---|
| Tenure | 48 months |
| Interest rate | 33.38% p.a. (reducing balance) |
| Monthly EMI | ₹19,000 |
| Total interest | ₹4,12,005 |
| Processing fee 4% (₹20,000) + GST (₹3,600) | ₹23,600 |
| APR (interest + processing fee + GST, annualised) | 36.5% p.a. |
| Total amount repayable | ₹9,12,005 |
| Total cost of the loan (interest + fees) | ₹4,35,605 |
This example is built at the maximum APR, with the maximum processing fee, to show the highest likely cost. APR is calculated as the annualised internal rate of return on the net amount disbursed, as in the RBI Key Fact Statement. It is not an offer. The lender will give you a Key Fact Statement (KFS) showing your exact APR, all fees and the repayment schedule before you sign.
Indicative starting rates — all products
| Loan | Starting rate (p.a.) | Amount | Max tenure |
|---|---|---|---|
| Home Loan | 7.5% | ₹10 L – ₹2 Cr | 30 years |
| Personal Loan | 10.5% | ₹50K – ₹40 L | 5 years |
| Business Loan | 12% | ₹2 L – ₹2 Cr | 10 years |
| Loan Against Property | 9% | ₹10 L – ₹3 Cr | 15 years |
| Gold Loan | 8.5% | ₹20K – ₹50 L | 3 years |
| Vehicle Loan | 8.7% | ₹50K – ₹50 L | 7 years |
| SME Loan | As per lender | ₹10 L – ₹5 Cr | 10 years |
| MSME Loan | As per lender | ₹50K – ₹2 Cr | 7 years |
| Working Capital Loan | As per lender | ₹2 L – ₹5 Cr | 3 years |
Starting rates are offered by partner lenders to the strongest profiles and can change without notice.
Charges lenders may levy
- Processing fee — a one-time fee, usually a percentage of the loan amount, plus GST.
- Penal charges — for late or missed EMIs, as a fixed charge disclosed in the KFS (RBI does not allow penal interest to be added to the interest rate).
- Prepayment / foreclosure charges — not permitted by RBI on floating-rate term loans to individuals for non-business purposes; may apply to fixed-rate and some business loans as per the lender’s policy.
- Other charges — stamp duty, documentation, valuation/legal fees (secured loans), cheque/NACH bounce charges and GST, as disclosed by the lender.
How Kredistar is paid
Kredistar does not charge borrowers. We receive a commission from the lender after a loan is disbursed. This never increases your interest rate or fees, and we never ask you to make any payment to Kredistar or to any individual.
Contact
Kredistar Finserv Pvt. Ltd., #164, 1st Cross, Judicial Colony, AECS Layout, Sanjaynagara, Bengaluru – 560094. Phone +91 93908 07900 · Email office@kredistar.in.