We are building India's most borrower-friendly lending platform — powered by AI, built on open data infrastructure, and committed to making responsible credit accessible to every qualified Indian.
To eliminate friction from personal borrowing in India. Traditional lending forces borrowers through branch visits, stacks of paperwork, and opaque decisions that can take days. We believe credit decisions should be instant, transparent, and available from your pocket — 24/7.
KrimKar Financial Services was founded by the team at Krim SSI Labs — a deep-tech company focused on AI-driven financial infrastructure for India. After building AI tools for lenders, we saw the other side of the problem: borrowers facing a fractured, paper-heavy, offline experience despite modern smartphones and open data systems.
We built KrimKar to solve this from first principles: an AI-guided application that replaces forms with conversation (Kira), consent-based data access via the Account Aggregator framework, DigiLocker for instant KYC, and a credit model that goes beyond bureau scores to reward honest, asset-backed profiles.
Today, over 12,400 borrowers have received funds through KrimKar, with ₹247 crore disbursed and a 4.8-star average rating. We're just getting started.
Every loan product is offered in partnership with RBI-registered NBFC(s). We operate within the full regulatory framework.
Fast doesn't mean careless. Our AI performs rigorous credit assessment in seconds, not days — but never cuts corners.
Every feature is designed from the borrower's perspective. No dark patterns, no hidden fees, no fine-print traps.
We serve the full ₹50K–₹10L segment — from young professionals to small business owners to families in need.
Check your personalised rate in 2 minutes — no credit impact.
Apply at apply.krim.ai