Personal Loans FAQs

Firstly, please note that Adani One is not the primary lender for the loan. We are providing this loan via our NBFC partner KreditBee.
Here is who can apply for a loan on Adani One website/app:

• Any Indian individual
• Above the age of 22 years
• Salaried or with a regular monthly income

The interest range offered is 17% to 29.95%.

The Annual Percentage Rate (APR) represents the total annual cost of borrowing. This includes not just the interest rate but also any associated fees, such as processing fees verification charges, maintenance charges and others. However, it excludes EMI Bounce charges, Penal charges, etc. The APR helps customers understand the complete cost of a loan, unlike the interest rate, which only covers the cost of borrowing the principal amount. So, always ask for APR from your provider when you apply for a loan.

Please note that Adani One is not the primary lender for the loan. We are providing this loan via our NBFC partner KreditBee, a certified NBFC for lending.

KreditBee is a platform that offers personal loans in simple steps.
All you have to do is download the app or visit the website, and follow the steps below:

• Register using your phone number and add OTP when prompted
• Fill in the details in the form as required
• You will receive an SMS to your registered mobile number (request you to wait for 24hrs/1 working day for review and confirmation)
• Upon receiving confirmation, upload your KYC documents
• Post which the profile will be verified depending on the authenticity and quality of the documents uploaded
• Once verification is done you can apply for a loan through KreditBee and sign a Loan agreement. The amount shall be disbursed into the bank account provided by you within 15 minutes

You can apply for Personal Loans ranging from ₹1,000 to ₹5 Lakh. The two products are:

• Flexi Personal Loan: From ₹1,000/- to ₹80,000/-
• Personal Loan for Salaried: From ₹10,000/- to ₹5 Lakh

PAN Card, Proof of Address and Identity (Aadhaar Card or Voter ID or Driving License or Passport) are the mandatory documents.

Personal loans offer quick access to funds for various needs, have flexible usage without collateral, often come with fixed interest rates and predictable monthly payments, and can help consolidate higher-interest debt. They also allow for manageable repayment terms, making budgeting easier for borrowers.

Eligibility Criteria

• Indian citizen
• Age limit of 22 to 50 years
• Minimum monthly income of ₹10,000
• 3 months of work experience in your current company
• Minimum family income of ₹25,000

KreditBee offers collateral-free personal loans ranging from ₹1,000 to ₹5 Lakhs

Loan processing time is as low as 10 minutes.

The loan you receive is not considered a part of your income. No tax amount applies to the loan.

A foreclosure amount is devised at the time which includes the remaining principal, accrued interest, and applicable charges. For more details, speak to the relationship manager or the call centre at 080-44292200 / 080-68534522 or mail help@kreditbee.in

You can get a loan of up to 5 lakhs.

To apply for a personal loan, your monthly income should be a minimum of ₹10,000.

Paying your EMI on time is extremely crucial. Not paying may lead to penalty charges, a negative impact on the CIBIL Score, and may also reduce the chances of getting a loan in the future.

• KreditBee contact details: 080-44292200 / 080-68534522; help@kreditbee.in.
• Adani One contact details: 24x7 helpline number 1800-572-111111 or drop a mail at support@adanione.com.