About Quikkred
India's most trusted AI-powered digital lending platform — committed to making credit accessible, affordable and transparent for every Indian. Our mission is to empower dreams and enable financial inclusion through technology and trust.
From a 2018 idea to a regulated digital NBFC stack
Quikkred began in 2018 as a digital lending platform with a clear goal: build a seamless lending experience for the underserved population of India. In partnership with Satsai Finlease Private Limited — an RBI-registered NBFC — we recognised that millions of individuals and small businesses were excluded from traditional financial systems, facing complex processes and limited access to credit.
We saw the challenges many faced with traditional financing. By leveraging cutting-edge technology, we set out to offer accessible and fair loan products. Our digital-first approach removes barriers, simplifies the process, and empowers individuals to achieve their financial goals with dignity and ease.
In 2026 we launched the Quikkred Partner Platform — a B2B2C and B2B2B2C architecture that lets Private Limited companies plug into the same regulatory and tech stack to offer loans under their own brand, reaching last-mile borrowers through a proprietor network of neighbourhood retailers.
Today, we continue to innovate and expand, staying true to our mission of making financial services accessible to everyone who needs them.
Three entities. One regulated lending pipeline.
Every loan on the Quikkred platform flows through this stack. It's how we stay compliant, scalable and unambiguous about who does what.
Quikkred
Customer-facing identity + product UX
The brand borrowers know. Product strategy, user experience, growth, communication — and the reason someone downloads the app.
Fluxusforge
Tech stack + credit ops + collections
Business Rules Engine, KYC, Key Fact Statement generation, disbursal rails, payment links, eNACH, DPD tracking, telephony, field collections — all in one production stack.
Satsai Finlease Private Limited
RBI Reg. B-14.01646 — licence, balance sheet, lender of record
Every loan on the Quikkred platform is lent by Satsai Finlease. Credit sanction, bureau reporting, final grievance escalation — Satsai is the Regulated Entity on record for each transaction.
This separation — brand, LSP, NBFC — is by design. It keeps accountability sharp, makes the compliance posture auditable, and mirrors RBI's intent under the Digital Lending Directions, 2025.
A future where everyone has the financial tools they need
To be India's most trusted and preferred digital lending platform, empowering millions to achieve their financial aspirations — from salaried borrowers in metros to informal-sector self-employed reaching us through our neighbourhood retail partners.
Our Mission
To make our vision a reality, we are on a mission to:
Provide innovative, accessible and responsible lending solutions.
Leverage technology for a seamless end-to-end customer experience.
Foster financial inclusion across all of India — metro and rural, salaried and self-employed.
Our core values
These principles guide everything we do and define who we are as a company.
Customer first
Every decision starts and ends with our customers' best interests at heart.
Trust & transparency
All-inclusive APR on every Key Fact Statement. No hidden charges, no surprise fees.
Innovation with discipline
Cutting-edge AI for faster, fairer lending — built on a regulatory-first architecture that survives an RBI inspection on a Tuesday morning.
Inclusivity
Credit accessible to every Indian, regardless of background — including last-mile borrowers reached through our proprietor network.
Excellence
The highest standards of service in everything we do — from origination to collections to grievance resolution.
Social impact
Empowering communities and contributing to India's economic growth through responsible, PSL-eligible lending.
What you can count on
Ten standards that shape every loan we make — and every interaction after it.
RBI-aligned practices
Lending and collections follow RBI's Digital Lending Directions, start to finish.
Transparent pricing
One all-inclusive rate on your Key Fact Statement — no hidden charges, ever.
Fast, secure onboarding
Apply in minutes with fully digital KYC, verified through secure channels.
Repayment on your terms
Pay early or pay extra to shorten your tenure, with zero prepayment penalty.
Bank-grade security
Your data stays encrypted and private, to DPDP and ISO-grade standards.
Real-time tracking
Watch your balance update live, with a reminder before every due date.
Dedicated support
Real people for borrowers and partners — over phone, email and chat.
Responsible lending
We lend only what comfortably fits your income and existing obligations.
Always-on fraud monitoring
Continuous checks guard every account against fraud and misuse.
Smart underwriting
Technology-led credit decisions get you an answer in minutes, not days.
Built for the audit
The current 2025–2026 regulatory instruments that govern how we originate, service and collect every loan on the platform.
RBI (Digital Lending) Directions, 2025
DoR.AML.REC.24/14.10.001/2025-26 · 8 May 2025
RBI Default Loss Guarantee Circular
8 June 2023 · Feb 2026 ECL restoration
RBI Co-Lending Arrangements Directions, 2025
Effective 1 January 2026 (RE-to-RE only)
RBI KYC Master Direction
Updated 2024 · UBO ≥ 10% declared
Outsourcing of Financial Services
RBI Master Direction · 2017, updated 2023
DPDP Act 2023 + DPDP Rules 2025
Notified 13 Nov 2025 · phased through May 2027
NBFC Scale-Based Regulation
RBI SBR Directions 2023 + Feb 2026 amendments
Fair Practices Code + RBI Integrated Ombudsman
End-to-end grievance posture
The Quikkred Partner Platform is live
Six partnership paths — Collection Services for Lenders (B2B), Lending Partner Program (B2B2C), Proprietor Network (B2B2B2C), Channel Partner, Field Collection Agent, Investor Relations — built on the same regulated stack that runs Quikkred.
Let's connect
Have questions? We're here to help. Reach out through any of these channels.
Let’s start a conversation
Loan questions, paperwork, or something else on your mind? Pick a channel below or send us a note — we’ll be right with you.
You’ll find us at
1308, 13th Floor, Vikrant Tower,
Rajendra Place, New Delhi - 110008
Form №4 · Contact