RBI-Registered NBFC · CRISIL BBB– / Stable · Listed on MSE · Lending since 1992
CRISIL BBB– / Stable · ₹423+ Cr AUM · 14 states

Loans that move life forward.

From e-rickshaws and two-wheelers to home, business and property loans, Credifin is an RBI-registered NBFC trusted across 14 states. India's leading EV finance company, with fast approvals, minimal paperwork and EMIs set to your real income. Lending since 1992.

Fast approvals Transparent process Minimal documentation

OUR BRANCHES ACROSS 14 STATES & UNION TERRITORIES

Plan before you borrow

Know your EMI before you say yes

No hidden math, no surprises at signing. Move the sliders — what you see here is exactly how we'll explain it at the branch.

Transparent by default

Principal, interest and total payable side by side — before you commit to anything.

Tenure that fits your cash flow

Stretch for breathing room or shorten to save on interest — find your balance.

Talk it through with a human

Call 079651-74500 and a loan officer will walk you through every line.

₹3,00,000
14%
36 months
Your monthly EMI
₹10,253
Apply with this plan
Principal
Interest
Total payable
PrincipalInterest

Indicative only. Final rate depends on product, profile & tenure.

Leadership · Lenders · Reach

Trusted by institutions, built for people

Kumar Shalya Gupta — Managing Director & CEO, Credifin Limited KSG Kumar Shalya GuptaMD & CEO · Credifin
Message from the

Managing Director & CEO

I hope this message finds you in great health and high spirits. It is with immense joy that I share a significant milestone in our journey together. Over the past two years, your steadfast support has been a key driver in Credifin's growth, and I am truly grateful for the trust you have placed in us.

As the MD & CEO of Credifin, I am excited to announce a transformation that will further enhance your confidence in our company. We have not only crossed the remarkable milestone of ₹423 Crores in assets but have also reaffirmed our financial stability with the prestigious BBB- Stable credit rating from CRISIL. This rating is a testament to the strength and resilience of our business.

We fully recognize that none of this would have been possible without your invaluable partnership. Your belief in our vision and ongoing support has been a crucial factor in helping us reach new heights and setting even more ambitious goals for the future.

Kumar Shalya Gupta
MD & CEO, Credifin Limited
Full message

The people behind Credifin

Working alongside Kumar Shalya Gupta (MD & CEO), an experienced board with decades of combined expertise across lending, risk and rural finance.

Ashwani Kumar JindalAK
Ashwani Kumar Jindal
Director
Vijay Kumar SareenVS
Vijay Kumar Sareen
Director
Sunil Kumar MehtaSM
Sunil Kumar Mehta
Director
Aditi KapoorAK
Aditi Kapoor
Director
Meghal GuptaMG
Meghal Gupta
Director

Why institutions trust Credifin

BBB– / StableCRISIL rated · reaffirmed 2025
RBIRegistered NBFC · Category B
MSE ListedPublic disclosures · Reg 46
Since 199234 years of credit discipline

Granular secured assets, conservative LTVs, and a woman co-borrower on every loan — governance built for the long term.

For lenders & investors

OUR LENDING PARTNERS 15+ LEADING BANKS & INSTITUTIONS

Pan-India operations

Present where Bharat lives & works

Digital where it’s faster, physical where it matters — our branches and collection centres sit in the towns and tehsils our customers call home.

0States & union territories
0Regional offices
0Branches & collection centres
0On-ground professionals
Credifin presence across India — live in Bihar, Chandigarh, Chhattisgarh, Gujarat, Haryana, Himachal Pradesh, Jammu & Kashmir, Maharashtra, Madhya Pradesh, New Delhi, Punjab, Rajasthan and Uttar Pradesh; head office in Jalandhar, corporate office in Delhi NCR
  • Active lending states
  • Headquarters — Jalandhar, Punjab
  • Expanding next — Telangana · Karnataka · Andhra Pradesh
For lending partners & investors

A disciplined NBFC, scaling responsibly

Granular, secured, income-generating assets. Conservative underwriting with a woman co-borrower on every loan. Listed, rated, and refinanced by India's leading institutions.

Compliance-first governance

RBI-registered, listed on MSE, independent directors, public disclosures under Regulation 46.

4.5x AUM growth in 3 years

₹95.07 Cr in Mar 2023 to ₹423.51 Cr in Mar 2026, with falling NPAs and a healthier book.

EV-first asset strategy

Income-generating electric mobility assets aligned with India's green transition.

CRISIL BBB– / STABLERBI REGISTEREDLISTED · MSESINCE 1992

Assets under management

Mar 2023 → Mar 2026 · Audited · ₹ Crores
4.5×Growth in 3 years
₹95.07Mar
2023
₹212.28Mar
2024
₹312.01Dec
2024
₹350.77Mar
2025
₹375.17Jun
2025
₹402.21Sep
2025
₹412.43Dec
2025
₹423.51Mar
2026
Audited figures · ₹ Crores ₹95 Cr → ₹423.51 Cr · MAR 2023 TO MAR 2026
For lending partners & investors

A disciplined NBFC, scaling responsibly

Granular, secured, income-generating assets. Conservative underwriting with a woman co-borrower on every loan. Listed, rated, and refinanced by India's leading institutions.

Compliance-first governance

RBI-registered, listed on MSE, independent directors, public disclosures under Regulation 46.

4.5x AUM growth in 3 years

₹95.07 Cr in Mar 2023 to ₹423.51 Cr in Mar 2026, with falling NPAs and a healthier book.

EV-first asset strategy

Income-generating electric mobility assets aligned with India's green transition.

CRISIL BBB– / STABLERBI REGISTEREDLISTED · MSESINCE 1992

Assets under management

Mar 2023 → Mar 2026 · Audited · ₹ Crores
0Growth in 3 years
₹95.07Mar
2023
₹212.28Mar
2024
₹312.01Dec
2024
₹350.77Mar
2025
₹375.17Jun
2025
₹402.21Sep
2025
₹412.43Dec
2025
₹423.51Mar
2026
Audited figures · ₹ Crores ₹95 Cr → ₹423.51 Cr · MAR 2023 TO MAR 2026
Press & recognition

Featured in India's biggest newsrooms

National business, finance and regional media covering Credifin's growth, leadership and EV-first lending.

Scroll to explore
What our customers say

50,000+ journeys, one promise kept

★★★★★ 4.8 / 5 average customer rating Verified borrowers across Punjab · Haryana · UP · Rajasthan
★★★★★✓ VERIFIED

The loan process was quick and transparent. I got my e-rickshaw loan in just two days — now the vehicle earns for my family every single day.

RK
Rajesh Kumar
E-Rickshaw Loan📍 Jalandhar
★★★★★✓ VERIFIED

Credifin में लोन आवेदन आसान था। स्टाफ ने पूरी प्रक्रिया में मदद की और जल्दी स्वीकृति मिली — सेवाएं पारदर्शी और भरोसेमंद थीं।

N
Nikhil
Loan Against Property📍 Ambala
★★★★★✓ VERIFIED

Customer service is excellent, interest rates are competitive, and the whole branch feels familiar — like people who know your name. Thank you, Credifin.

PR
Priya Randhawa
Home Loan📍 Ludhiana
★★★★★✓ VERIFIED

A fantastic platform for exploring loan options — clear interest rates and prompt answers to every question I asked. Highly recommended.

T
Tarun
Car Loan📍 Faridkot
★★★★★✓ VERIFIED

Credifin helped me expand my business with easy financing and minimal paperwork. The branch team treated my shop’s growth like their own.

AV
Amit Verma
Business Loan📍 Meerut
★★★★★✓ VERIFIED

The loan process was quick and transparent. I got my e-rickshaw loan in just two days — now the vehicle earns for my family every single day.

RK
Rajesh Kumar
E-Rickshaw Loan📍 Jalandhar
★★★★★✓ VERIFIED

Credifin में लोन आवेदन आसान था। स्टाफ ने पूरी प्रक्रिया में मदद की और जल्दी स्वीकृति मिली — सेवाएं पारदर्शी और भरोसेमंद थीं।

N
Nikhil
Loan Against Property📍 Ambala
★★★★★✓ VERIFIED

Customer service is excellent, interest rates are competitive, and the whole branch feels familiar — like people who know your name. Thank you, Credifin.

PR
Priya Randhawa
Home Loan📍 Ludhiana
★★★★★✓ VERIFIED

A fantastic platform for exploring loan options — clear interest rates and prompt answers to every question I asked. Highly recommended.

T
Tarun
Car Loan📍 Faridkot
★★★★★✓ VERIFIED

Credifin helped me expand my business with easy financing and minimal paperwork. The branch team treated my shop’s growth like their own.

AV
Amit Verma
Business Loan📍 Meerut
Credifin EV Boarding Pass

Drive electric. Win big.

Stand a chance to ride into the future with a brand-new electric two-wheeler! Plus, grab exciting guaranteed prizes.

Get a chance to win a Free Electric Two Wheeler every month!

#BuildingBharat
Questions, answered

Before you apply

The things first-time borrowers ask us most — in plain language.

What types of loans does Credifin offer? +
Credifin offers e-rickshaw and electric vehicle loans, two-wheeler loans, used and new car loans, commercial vehicle finance, Loan Against Property (LAP), and secured MSME and business loans. We finance both individuals and small businesses across rural and semi-urban India.
Is Credifin an RBI-registered NBFC? +
Yes. Credifin Limited (formerly PHF Leasing Limited) is a Non-Banking Financial Company registered with the Reserve Bank of India since 1998, listed on the Metropolitan Stock Exchange of India and rated CRISIL BBB–/Stable. The company has been lending since 1992.
What documents are required for a loan from Credifin? +
To apply for a loan with Credifin, you typically need KYC documents (Aadhaar and PAN), proof of income or business activity, and details of the vehicle or property being financed. Our branch team prepares the exact checklist for your specific loan type, whether it's an e-rickshaw, two-wheeler, commercial vehicle, or Loan Against Property.
How long does Credifin take to approve and disburse a loan? +
Eligible customers for e-rickshaw and two-wheeler loans are usually approved within one to two working days of submitting complete documents, with funds released right after approval. Secured loans like Loan Against Property take a little longer because they involve property verification.
How is my loan EMI calculated? +
Your EMI depends on three things: the loan amount, the interest rate, and the repayment tenure. A longer tenure lowers your monthly EMI but increases the total interest paid. Try Credifin's free EMI calculator to see your monthly amount before you apply.
Which states does Credifin operate in? +
Credifin operates across 14 states and union territories with over 200 locations, including Punjab, Delhi NCR, Haryana, Himachal Pradesh, Rajasthan, Uttar Pradesh, Madhya Pradesh, Uttarakhand, Bihar, Gujarat and Jammu.
How do I apply for a loan with Credifin? +
You can apply online through our website or by visiting any Credifin branch across our 14-state network. Our team helps you complete documentation and guides you through the process from approval to disbursement.
Take the next step

Ready to grow with us?

From an e-rickshaw that earns every day to a home loan or working capital for your shop, our team helps you find the right loan and get moving. Apply online or walk into any of our branches across 14 states.

CRISIL BBB– / StableRBI-Registered NBFCListed · MSE

Credifin Limited · RBI-Registered NBFC · CRISIL BBB– / Stable · Loans at the sole discretion of the company