About CredIn
CredIn is a Financial Services company based in Vadodara (India) founded in 2018 by Birju Naik and Rupesh Bishnoi. Personal loans are provided to individuals in India by CredIn. CredIn has raised $1.8 million across 7 funding rounds from investors including GAIL and Capital Trade Link. The company has 32 employees. CredIn was last valued at $1.93 million in June 2023. Its Indian entity Upkram Technologies Private Limited reported revenue of ₹2.95 Cr. Its focus areas include Consumer and SME Loans, Consumer Loans and Personal Loans. Its competitors include KrazyBee, Bueno Finance and Suriya Chits; 2 of its 3 listed competitors have raised funding.
Company details
CredIn, based in Vadodara, focuses on offering financial products and advice, consumer and sme loans, consumer loans, and personal loans. Provider of personal loans. The company prioritizes operational excellence, innovation, and customer-centric approaches for success. It continues to evolve, meeting industry challenges with strategic approaches.
- Headquarters Vadodara, India
- Employees 32
- Founders Birju Naik, Rupesh Bishnoi
- Stage Minicorn
- SectorsFinancial Services
- Website credin.in
- Social LinkedIn X Facebook
- Legal Name Upkram Technologies Private Limited
- Date of Incorporation 25 Feb, 2019
- Jurisdiction Ahmedabad, Gujarat, India
- Annual Revenue₹2.95 Cr
FY 2026 · +15% YoY
- Net Loss-₹45.6 Lakh
FY 2026 · -20% margin
- EBITDA-₹8.5 Lakh
FY 2026 · -4% margin
- Total Equity Funding$1.8M (USD)
in 7 rounds
- Latest Funding Round$548.63K (USD), Seed
Feb 2026
- InvestorsGAIL
& 1 more
- Employee Count32
Associated legal entities of CredIn
CredIn operates through Upkram Technologies Private Limited (active). Its filings, financials, charges and directors are on the company page.
| Legal entity | Status | Incorporated | Registered in | Revenue (FY 2026) | Employees | Directors | Company page |
|---|---|---|---|---|---|---|---|
| Upkram Technologies Private Limited CIN U72900GJ2019PTC106805 | Active | 25 Feb 2019 | Ahmedabad, Gujarat | ₹2.9 Cr | 79 | 4 | View details |
Funding Insights of CredIn
CredIn has successfully raised a total of $1.8M across 7 strategic funding rounds. The most recent funding activity was a Seed round of $548.63 thousand completed in February 2026. This substantial capital infusion reflects strong investor confidence in the company's business model, growth potential, and market opportunities. The funding enables strategic expansion, product development, market penetration, and operational scaling to drive long-term value creation and competitive advantage.
- Total Funding $1.8M
- Total Rounds 7
- Last Round Seed — $548,626
- First Round $27,788
(Feb 2020)
- Investors Count 2
All 7 funding rounds of CredIn with amounts and investors; the two latest post-money valuations are shown, the rest are part of the premium plan.
| Date | Amount | Transaction Name | Valuation | Lead Investors | Investors |
|---|---|---|---|---|---|
| Feb 2026 | $548,626 | Seed | – | Capital Trade Link | – |
| Jun 2023 | $181,445 | Seed | $1.93M | GAIL | – |
| Jan 2023 | $227,398 | Angel Round | – | – | – |
| Mar 2022 | $361,731 | Angel Round | $3.59M | – | – |
| Jan 2021 | $110,507 | Angel Round | – | – | – |
| Jun 2020 | $339,313 | Angel Round | $••••• | – | – |
| Feb 2020 | $27,788 | Angel Round | $••••• | – | – |
| Date | Valuation | Stage |
|---|---|---|
| Jun 2023 | $1.93M | •••••••• |
| Mar 2022 | $3.59M | •••••••• |
| Jun 2020 | $••••• | •••••••• |
Full valuation and stage history of CredIn
Every valuation point, the growth-stage changes (minicorn, soonicorn, unicorn) and the dates behind them require an active premium plan.
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Verified entity values are shown only after access is granted.
Last known valuation $1.93M (Jun 2023). 2 investors in total: 2 institutional.
Investors in CredIn
CredIn has secured backing from 2 investors, including institutional investors. Prominent investors backing the company include GAIL and Capital Trade Link.
| Investor | Description | Founded Year | Domain | Location |
|---|---|---|---|---|
Natural gas exploration, production, transmission, marketing, and processing are conducted. | 1984 | gailonline.com | Delhi, India | |
| capitaltrade.in |
Investor details for CredIn
The complete investor list, round-by-round participation and investor portfolios require an active premium plan.
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Board of directors of Upkram Technologies Private Limited (CredIn)
Upkram Technologies Private Limited is the primary company behind CredIn. The board of Upkram Technologies Private Limited currently have 4 directors; the longest-serving is Birju Ashvinkumar Naik, appointed in 2019. 5 earlier directors have ceased.
| Director | Designation | Appointed | Tenure | Entity |
|---|---|---|---|---|
| Birju Ashvinkumar Naik DIN 08374187 | Director | 25 Feb 2019 | 7 yrs 8 mo | Upkram Technologies Private Limited |
| Bhadresh Kantilal Mehta DIN 08374185 | Director | 25 Feb 2019 | 7 yrs 8 mo | Upkram Technologies Private Limited |
| Rupesh Bishnoi DIN 08374186 | Director | 25 Feb 2019 | 7 yrs 8 mo | Upkram Technologies Private Limited |
| Hemendra Mathur DIN 02447059 | Director | 29 May 2024 | 2 yrs 5 mo | Upkram Technologies Private Limited |
People of CredIn
2 people are tracked at CredIn (2 in leadership); the tracked headcount is 32.
| Name | Role | Group |
|---|---|---|
| Co-Founder | Leadership | |
| Co-Founder | Leadership |
Complete people profiles for CredIn
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Financials of CredIn
Figures of Upkram Technologies Private Limited, the primary company behind CredIn, for FY 2026. Revenue was ₹2.95 Cr (+15% year on year). Net loss was -₹45.6 Lakh (-20% margin). EBITDA was -₹8.5 Lakh (-4% margin). Revenue has grown at a compounded annual rate of +7% over three years and +57% over five years.
- ₹2.95 CrRevenue · FY 2026 · +15% YoY
- -₹45.6 LakhNet loss · -20% margin
- -₹8.5 LakhEBITDA · -4% margin
- ₹12.6 LakhPaid-up capital
- 79Employees (provident fund records)
- +7%Revenue CAGR, 3 years
- +57%Revenue CAGR, 5 years
Balance sheet, profit and loss, cash flow and ratios of Upkram Technologies Private Limited are on its company page.
Detailed financial statements for CredIn
Statement rows, ratios, five-year trends and downloadable financials of the group companies require an active premium plan.
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Timeline of CredIn
4 dated milestones of CredIn across 8 years, from founding to its latest funding, stage changes and deals.
- Founded CredIn is founded.
- Funding First funding round of $28K.
- Milestone Reaches Minicorn status.
- Funding Latest funding round, Seed, of $549K.
Competitors of CredIn
CredIn has 3 listed competitors in our database, 2 of them funded. They include KrazyBee, Bueno Finance and Suriya Chits.
| Company Name | Domain | Founded | HQ Location | Total funding | Employees | Description |
|---|---|---|---|---|---|---|
| kbnbfc.in | 2016 | Bengaluru, India | $209.78M | 3,016 | Non-banking financial company focuses on providing credit solutions | |
| buenofinanceinc.com | 2019 | Gurugram, India | $3.13M | 1 | Provider of personal loans services | |
| suriyachits.com | 2015 | Thanjavur, India | Suriya Chits offers comprehensive personal loan services to individuals. |
Detailed competitors of CredIn
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Top companies in Consumer and SME Loans
3 companies that operate in the same segment as CredIn (Consumer and SME Loans) in India, ranked by their profile score on The Company Check.
| Company | Description | Founded | Location | Total funding | Revenue | Employees |
|---|---|---|---|---|---|---|
Consumer and SME loans are provided by Manappuram Finance. | 1992 | Valapad, Kerala, India | USD 39.98 M | USD 1.01 B | 51,650 | |
Affordable home loans are extended to low and middle-income groups. | 2010 | Mumbai, Maharashtra, India | USD 209.7 M | USD 204.93 M | 1,634 | |
Diversified lending services are provided as a non-banking financial institution. | 1994 | Mumbai, Maharashtra, India | USD 1.9 B | 167 |
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Frequently Asked Questions about CredIn
CredIn was founded in 2018 and raised its 1st funding round 2 years after it was founded.
CredIn is headquartered in Vadodara, India. It is registered at Vadodara, Gujarat, India.
CredIn is a funded company, having raised a total of $1.8M across 7 funding rounds to date. The company's 1st funding round was a Angel Round of $27.79K, raised on Feb 2020.
CredIn has 32 employees.
The primary company behind CredIn, Upkram Technologies Private Limited, reported revenue of ₹2.95 Cr for FY 2026, up 15% year on year.
CredIn, based in Vadodara, focuses on offering financial products and advice, consumer and sme loans, consumer loans, and personal loans. Provider of personal loans. The company prioritizes operational excellence, innovation, and customer-centric approaches for success. It continues to evolve, meeting industry challenges with strategic approaches.
CredIn's top competitors include KrazyBee, Bueno Finance and Suriya Chits.
CredIn has 2 investors. Key investors include GAIL, and Capital Trade Link.
The valuation of CredIn is $1.93M as of Jun 2023.
CredIn operates through Upkram Technologies Private Limited.
The legal entities of CredIn currently have 4 directors, including Hemendra Mathur, Birju Ashvinkumar Naik, Bhadresh Kantilal Mehta and others.