Kredito24 India customer service — Verified IN phone numbers, complaint & refund help
Looking for the real Kredito24 India customer service number in 2026? Kredito24 India's verified contact line is +91 124 692 0540, staffed Mon–Fri 09:00–18:00 IST. This page lists every confirmed Kredito24 India phone number, email, complaint address, and refund channel — pulled directly from https://kredito24.in/page/connect and refreshed regularly so you don't waste time on outdated or spoofed numbers. Below you'll find the escalation ladder, regulator path (Reserve Bank of India (RBI) — Ombudsman & CMS portal), and step-by-step instructions for filing a formal complaint when first-line support cannot resolve your issue.
Kredito24 India is a bank company operating in India, legally registered as Kredito24 (Kreditech Group / partner NBFCs, India ops). Kredito24 India's official bank helpline number is +91 124 692 0540, available mon–fri 09:00–18:00 ist in en-IN. Kredito24 India is owned and operated by Kredito24 operates via RBI-registered NBFC partners for India lending. Kredito24 India is regulated by Reserve Bank of India (RBI) — Ombudsman & CMS portal in India. Last verified on 2026-06-27 by Dr Hint Editorial Team (Consumer Helpline Editor).
Verified Kredito24 India phone numbers
| Channel | Number | Hours | Region | |
|---|---|---|---|---|
| Kredito24 Customer Care | +91 124 692 0540 | Mon–Fri 09:00–18:00 IST | All India | |
| Kredito24 Customer Care Alternate | +91 124 692 0541 | Mon–Fri 09:00–18:00 IST | All India |
Kredito24 (Kreditech Group / partner NBFCs, India ops) operates one of the largest bank customer-service operations in the country. The main consumer line +91 124 692 0540 routes through an automated menu first — to reach a human agent quickly, press 0 repeatedly or say 'agent' when prompted. Wait times are typically shortest mid-week between 9am and 11am local time, longest on Monday mornings and the day after a service outage or product launch.
Kredito24 India segments specialist teams behind the main number: billing, technical support, account security, and an executive escalation desk reachable only after Tier 1 has logged the case. The brand publishes its contact details at https://kredito24.in/page/connect; the page is updated periodically with new toll-free numbers, regional offices, and country-specific lines for international customers. Always verify the number on that page before dialing — scam operators routinely buy ads on the brand's name and substitute their own number to harvest payment details.
If Kredito24 India cannot resolve your case after two contacts, the regulator for this category is Reserve Bank of India (RBI) — Ombudsman & CMS portal (https://cms.rbi.org.in/). A regulator complaint forces a written response within 30 days and is the single most effective consumer tool in this market.
Quick answers — Kredito24 India customer service
The 8 most-asked "how to" questions about Kredito24 India, answered from verified data on this page. Tap a question to expand.
How to contact Kredito24 India customer service?#
The fastest way to reach Kredito24 India customer service is by calling +91 124 692 0540 (Kredito24 Customer Care, Mon–Fri 09:00–18:00 IST). You can also use the official support portal at https://kredito24.in/page/connect. All numbers and hours are verified on this page.
How to talk to a real person at Kredito24 India?#
Call +91 124 692 0540 and, when the IVR menu plays, press 0 or say "representative" / "agent" repeatedly until you are routed to a human. Calling during off-peak hours (early morning local time) usually reduces wait time significantly.
How to file a complaint against Kredito24 India?#
Dial +91 124 692 0540 and ask the agent to escalate to a supervisor. Note the agent name and case ID — you'll need them at every later step. If unresolved, escalate through the 5-step process documented on this page, and finally to the regulator (Reserve Bank of India (RBI) — Ombudsman & CMS portal) if the issue is still not resolved.
How to get a refund from Kredito24 India?#
For card refund (original payment method), Kredito24 India typically processes refunds within 5–10 working days (foreclosure and bounce reversals) via Back to the same card. Call +91 124 692 0540 with your order/transaction ID ready to start the request.
How to escalate an issue with Kredito24 India?#
Start at Tier 1 — Customer Service (+91 124 692 0540) — Routine issues resolved in one call. Ask for a case ID before hanging up.. If unresolved within the expected window, move to the next tier of the escalation ladder documented on this page. Final escalation goes to the regulator: Reserve Bank of India (RBI) — Ombudsman & CMS portal.
What are Kredito24 India's customer service hours?#
Kredito24 India customer service operating hours: Mon–Fri 09:00–18:00 IST; Mon–Fri 09:00–18:00 IST. Hours can vary by region and channel — full per-number breakdown is in the verified numbers table on this page.
Is Kredito24 India customer service free to call?#
Calls to Kredito24 India (+91 124 692 0540) are charged at your standard carrier rate — there is no separate per-minute service fee, but airtime or international charges may apply depending on your plan.
How to email Kredito24 India support?#
Kredito24 India does not publicise a single inbound support email — instead use the contact form on the official support portal (https://kredito24.in/page/connect). Submitting through the official portal is faster and creates a tracked case number for follow-up.
Common Kredito24 India issues & solutions
Kredito24 loan application not moving past 'personal details'
The most common reason is a PAN–Aadhaar linkage failure at the NSDL API. Check on incometax.gov.in that your PAN is 'Operative' and linked to Aadhaar. Once fixed, restart the Kredito24 application — the KYC screen refetches within seconds. Call the Kredito24 customer care number +91 124 692 0540 only if it still hangs after two clean attempts.
Kredito24 loan customer care number keeps disconnecting
The IVR uses DTMF tones; some Android dial-pads (especially with third-party keyboard apps) do not send tones correctly. Switch to the default Google Phone dialer or use a Reliance Jio 4G-Voice line and the IVR responds normally. In-app chat is a reliable alternative for status queries.
Rejected due to 'existing loan on another app'
Kredito24 pulls a live bureau report; any active NBFC loan (KreditBee, IncRed, Moneyview) reduces available FOIR (Fixed Obligation to Income Ratio). Close the smallest existing loan, wait one bureau cycle (30 days) and retry. Do not apply on 3-4 loan apps in the same week — each hard enquiry pulls the score down further.
Repayment link expired after clicking on SMS
Kredito24's payment links expire after 24 hours for security. Log in to the app instead and use the 'Pay EMI' button — the app generates a fresh link tied to your session. If the app itself throws a payment error, use the direct UPI ID shown under Account → Repayment (verify it appears inside the logged-in app, never trust an SMS UPI ID).
Interest calculation dispute — 'more than shown at approval'
Kredito24's KFS shows both the flat and APR figures; the total repayment amount at approval is contractually binding. If the app now shows a higher amount, take a screenshot of the KFS and email care@kredito24.in — the extra amount is credited back within 5–7 working days if the KFS number is lower.
'Insurance addon' auto-selected during e-sign
Under RBI Digital Lending Guidelines, an insurance add-on cannot be pre-ticked by default. If it was, cancel the policy inside the 15-day free-look window and get a full premium refund. Keep the cancellation email as proof — refunds land in 15–20 working days from the insurer, not from Kredito24.
How to check the NBFC that actually funded your Kredito24 loan
Read the sanction letter and Key Fact Statement — the 'Lender' row names the actual RBI-registered NBFC. Your CIBIL entry will show that NBFC's name, not 'Kredito24'. For any RBI Ombudsman complaint you must name the NBFC, not the tech platform.
Loan account not visible in the app after re-install
Re-installing the Kredito24 app on a new phone will not show old loans until you log in with the exact registered mobile number and complete OTP + Aadhaar face-liveness. If you have changed the phone number, email care@kredito24.in with a self-signed request to update — updates are done within 3 working days.
Prepayment charge applied on a loan under 6 months old
Some Kredito24 partner NBFCs charge 2–4% + GST for prepayment before 6 months; others (especially the smaller 6-month personal loans) charge zero. The exact charge is in the KFS. Ask for a foreclosure statement in writing before paying so you can compare.
Recovery agent claiming 'legal notice' by SMS
A genuine legal notice arrives on court letterhead by post, never by SMS. Any SMS from a random 10-digit number saying 'Kredito24 legal case has been filed' is a threat, not a real notice. Save it, note the sender number, and file grievance@kredito24.in plus a copy at cybercrime.gov.in — RBI Fair Practices Code Section 6.4 explicitly bans false threats.
CIBIL not updated after 45 days of full closure
NBFCs report monthly on the 5th. If your closure was on the 6th and 45 days have passed with no update, request the loan closure statement and NOC via care@kredito24.in, then raise a member-dispute on cibil.com uploading the NOC. Resolution SLA on cibil.com is 30 days.
Kredito24 app crashes on Android 14 during e-sign
Some Android 14 builds block the UIDAI SDK. Update the Kredito24 app to the latest version, clear cache, and disable any battery-saver mode during e-sign. If it still crashes, complete the e-sign on the Kredito24 mobile web page instead of the app.
Unauthorized transaction on your card
Call +91 124 692 0540 immediately (24/7). Kredito24 India will freeze the card, issue a provisional credit within 10 business days under Regulation E (US) or the equivalent local rule, and ship a replacement card in 3–5 days.
Online banking locked out
Three failed password attempts lock the account. Use the 'forgot password' flow with your registered phone/email; if both fail, call +91 124 692 0540 with your account number and answer the knowledge-based questions. Branch visits with ID also unlock instantly.
How to file a formal complaint against Kredito24 India
- Step 1: Call customer service firstDial +91 124 692 0540 and ask the agent to escalate to a supervisor. Note the agent name and case ID — you'll need them at every later step.
- Step 2: Email executive escalationWrite to care@kredito24.in. Keep it under 200 words: account number, what went wrong, what you tried, what resolution you want.
- Step 3: Submit a written complaintKredito24 India must acknowledge a written complaint within 5 business days under most national consumer rules. Send via certified mail or the brand's secure-message portal and keep proof.
- Step 4: File with the regulatorOpen a case with Reserve Bank of India (RBI) — Ombudsman & CMS portal at https://cms.rbi.org.in/. The regulator will not adjudicate your specific dispute in most cases, but the brand must respond in writing within 30 days.
- Step 5: Small-claims court or ombudsmanIf the dispute is under the local small-claims threshold, file at your local court. Most brands settle in writing before the hearing rather than send a lawyer.
Escalation ladder — what to do if nothing works
Refund & cancellation timeline
| Scenario | Window | Method |
|---|---|---|
| Card refund (original payment method) | 5–10 working days (foreclosure and bounce reversals) | Back to the same card |
| Bank transfer refund | 5–10 business days | Original account |
| Voucher / brand credit | Issued same day | Kredito24 India account credit |
| Regulator-mandated refund | 30 days after regulator decision | Original payment method, with interest where applicable |
⚠️ Scam advisory
Kredito24 India impersonation scams are common in IN. Warning signs: (1) caller asks for your password, full card number, PIN, or one-time passcode; (2) tells you a 'fraudulent' transaction or login happened and pressures you to act in minutes; (3) asks you to install remote-access software like AnyDesk or TeamViewer; (4) demands payment in gift cards or cryptocurrency. If any of these happen — hang up. Then dial +91 124 692 0540 yourself (never call back a number the caller gave you) to verify there is no real issue. Kredito24 India will never call from a personal mobile asking for a ₹500–₹2,000 'processing fee' via UPI to release the loan. The real Kredito24 customer care numbers are +91 124 692 0540 and +91 124 692 0541, and the official complaint path is the form at kredito24.in/complaint. Report the scam to https://cms.rbi.org.in/ and to Kredito24 India's abuse address listed on https://kredito24.in/page/connect.
Kredito24 India vs competitors
Frequently asked questions
What is the real Kredito24 India customer service number?
+91 124 692 0540 — published on https://kredito24.in/page/connect and verified on the date shown at the top of this page.
Is Kredito24 India customer service 24/7?
Mon–Fri 09:00–18:00 IST
How do I talk to a real human at Kredito24 India?
Dial +91 124 692 0540 and press 0 repeatedly, or say 'agent' / 'representative' at the IVR prompt — most bank IVRs route to a human within 5 minutes during business hours.
Is calling Kredito24 India free?
Calls are charged at your carrier's standard rate; check the table above for the hours that match your time zone.
Can I email Kredito24 India?
Yes — care@kredito24.in is the executive-escalation address. For routine queries the helpline or in-account chat is faster.
How long does a Kredito24 India refund take?
5–10 working days (foreclosure and bounce reversals) for card refunds; instant for account credit; up to 30 days for disputes that go through the regulator.
What if Kredito24 India customer service can't help?
Escalate to a supervisor (Tier 2), then executive customer relations, then the regulator Reserve Bank of India (RBI) — Ombudsman & CMS portal at https://cms.rbi.org.in/.
Will Kredito24 India ever ask for my password or full card number?
No. Real Kredito24 India agents will never ask for your password, full card number, PIN, SSN/national ID, or one-time passcodes over the phone or email.
What hours does the main Kredito24 India line operate?
Mon–Fri 09:00–18:00 IST
How do I file a written complaint to Kredito24 India?
Use the contact form on https://kredito24.in/page/connect or send certified mail to the registered address. By law, Kredito24 India must acknowledge in 5 business days and resolve or update you within 30 days.
Where do I report a scam pretending to be Kredito24 India?
Forward the email to Kredito24 India's abuse address (listed on https://kredito24.in/page/connect) and report to the regulator https://cms.rbi.org.in/.
Does Kredito24 India have a complaint email?
care@kredito24.in is the executive-relations channel. For first-line complaints use the contact form on https://kredito24.in/page/connect.
What is the Kredito24 customer care number in India?
The verified Kredito24 customer care numbers in India are +91 124 692 0540 and +91 124 692 0541, published on kredito24.in/page/connect. Hours are 9 am to 6 pm, Monday to Friday.
What is the Kredito24 loan customer care number for repayment issues?
Use +91 124 692 0540 or +91 124 692 0541 for repayment and loan-servicing queries. Existing clients can also email care@kredito24.in from the registered email and include their name plus mobile number in the subject line.
Is Kredito24 the actual lender or a marketplace?
Kredito24 is a technology platform in India. The loan is booked on an RBI-registered NBFC partner named in the Key Fact Statement. Your CIBIL will show the NBFC's name, not Kredito24.
Can I get a Kredito24 loan without a salary slip?
Small-ticket loans (up to ₹25,000) can be approved on a 3-month bank statement showing salary or business credits. Above ₹25,000 a salary slip or ITR is generally required — the exact rule depends on the funding NBFC partner.
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Other India helplines
Glossary
- IVR (Interactive Voice Response)
- The automated phone menu — press 0 or say 'agent' to reach a human faster.
- Tier 1 / Tier 2
- Tier 1 is the front-line agent; Tier 2 is a supervisor with authority to override policy or issue goodwill credits.
- Goodwill credit
- A discretionary refund or service credit issued by the brand outside its standard policy to retain a customer.
- Regulator
- Independent body that oversees bank businesses — for Kredito24 India that is Reserve Bank of India (RBI) — Ombudsman & CMS portal.
- Chargeback
- A reversal of a card payment initiated through your bank instead of the merchant. Slower than a brand refund but legally enforceable.
- SLA (Service Level Agreement)
- Contractual response/resolution times. Most consumer SLAs are 5 business days to acknowledge and 30 days to resolve a written complaint.
Sources & references
- https://kredito24.in/page/connect
- https://kredito24.in/complaint
- Regulator: Reserve Bank of India (RBI) — Ombudsman & CMS portal
• Unofficial directory — DrHint is independent and not affiliated with this brand.
• Numbers verified from the brand's official contact page on the date shown. Call charges depend on your carrier.
• For life-threatening emergencies call the local emergency number instead of any helpline below.
• We will never ask for your full card number, PIN, password, or one-time passcode.