A BSE-listed Digital NBFC
focused on disciplined credit growth

Transparent performance, strong governance and tech-enabled underwriting across India

Who we are?

Decades of delivering trusted, sustainable and accessible
credit solutions

Kreon Finnancial Services Limited is a listed, RBI-regulated NBFC focused on expanding access to credit through technology-led solutions. We serve underserved segments with innovative lending products across digital
platforms.

Our approach combines data-driven underwriting with a strong focus on financial literacy, enabling customers to build responsible credit behavior over time.

30 years
Experience in Finance
Experience
674 cr
Total Credit Extended
Credit
357.61 cr
Total Disbursement (FY-25/26)
Disbursement
3.8 lacs
Active Users
Users
How we make money?

Our products provide quick and
responsible access to credit,
when people need it most.

StuCred App®
Real-Time Student Credit
MDPD App™
Salary Advanced Credit
Retail and MSME loans
Business & Other Credit Solutions
★★★★☆ 4.6 (60k+ Reviews)
1M+ downloads

About App

A digital lending platform providing interest free instant credit
to college students across India, promoting formal
financial inclusion literacy.

Revenue Model

  • Processing fee on each loan
  • Late payment charges (if applicable)
  • Higher engagement through repeat usage

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Upcoming App
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About App

  • Earned Wage Access (EWA) platform for salaried employees
  • Enables access to earned salary before payday
  • Designed to reduce dependency on high-cost borrowing

Revenue Model

  • Service fee per transaction
  • Employer partnerships

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Structured Lending Solutions

We offer structured lending solutions across working capital, project financing, and niche segments like personal finance. Our approach ensures faster turnaround, minimal paperwork, and competitive interest rates.

Our Offerings

💰
Working Capital
Loans
🏢
Project
Financing
🎥
Personal
Financing
Performance in Numbers

Transparent financial and
operational trends that demonstrate
sustainable business growth.

📈 Revenue Growth
+139%

Growth driven by expansion of digital lending and repeat user engagement

₹38.68 Cr ₹23.33 Cr ₹16.17 Cr FY 25-26 FY 24-25 FY 23-24
💸 Loan Disbursement Trend (Cr)
Fresh Disbursements Extensions
+73%

Consistent increase in disbursement volumes across products

₹206 Cr
₹140 Cr
₹66.0 Cr
FY 23-24
₹232 Cr
₹158 Cr
₹73.1 Cr
FY 24-25
₹358 Cr
₹229 Cr
₹129 Cr
FY 25-26
👥 User Base Growth
+248%

Rapid growth supported by digital onboarding and strong retention

58,189
FY 22-23
1,47,333
FY 24-25
2,02,630
FY 25-26
Collection Efficiency
95.33%

Total collected against total disbursement

Why Kreon Finnancial?

Provide digital lending products for the underserved segments of India

Regulated & Listed

RBI-registered NBFC

Publicly listed entity

Focused Credit Segments

Students & salaried employees

Small businesses

Digital-First Lending

Automated underwriting

Faster disbursement cycles

Scalable Product Architecture

Modular API platforms

Design for reliability