About Credit Dharma
Credit Dharma is a Financial Services company based in Bengaluru (India) founded in 2021. Credit Dharma is recognized as a trusted home loan platform in India. It operates on a Brokerage / Intermediation and FinTech model. Credit Dharma has raised $4 million across 1 funding round from investors including Kalaari Capital, Better Capital and iSeed. The company has 5 employees. Its Indian entity Tres Commas Technologies Private Limited reported revenue of ₹1.48 Cr. Credit Dharma offers products and services including Home Loan, Balance Transfer, and Mortgage Loan. Its focus areas include Banking and Home Loans.
Company details
Credit Dharma is operated as a leading home loan platform in India, focusing on providing transparent, simple, and unbiased home loan solutions. Services are extended across various financial needs, including home loans, balance transfers, and mortgage loans. Partnerships are established with over 40 top banks to offer competitive interest rates and high funding options. The platform is designed to ensure quick disbursals, digital processes, and lifetime support through dedicated experts. Operations are primarily centered in the financial services sector, targeting home buyers and property investors with tailored solutions for diverse profiles and requirements.
- Headquarters Bengaluru, India
- Employees 5
- SectorsFinancial Services
- Email••••••••
- Website threedots.app
- Social LinkedIn X Instagram
- Legal Name Tres Commas Technologies Private Limited
- Date of Incorporation 09 Feb, 2021
- Jurisdiction Bangalore, Karnataka, India
- Annual Revenue₹1.48 Cr
FY 2025 · +2% YoY
- Net Loss-₹6.49 Cr
FY 2025 · -439% margin
- EBITDA-₹6.45 Cr
FY 2025 · -436% margin
- Total Equity Funding$4M (USD)
in 1 rounds
- Latest Funding Round$4M (USD), Seed
Jan 2022
- InvestorsKalaari Capital
& 12 more
- Employee Count5
Associated legal entities of Credit Dharma
Credit Dharma operates through Tres Commas Technologies Private Limited (active). Its filings, financials, charges and directors are on the company page.
| Legal entity | Status | Incorporated | Registered in | Revenue (FY 2025) | Employees | Directors | Company page |
|---|---|---|---|---|---|---|---|
| Tres Commas Technologies Private Limited CIN U72900KA2021PTC143997 | Active | 09 Feb 2021 | Bangalore, Karnataka | ₹1.5 Cr | 5 | 2 | View details |
Products & Services of Credit Dharma
Credit Dharma offers a comprehensive portfolio of products and services, including Home Loan, Balance Transfer, and Mortgage Loan.
Home loans are offered at lowest interest rates.
Balance transfers are facilitated to lower interest rates.
Mortgage loans are provided against property at attractive rates.
Funding Insights of Credit Dharma
Credit Dharma has successfully raised a total of $4M through 1 strategic funding round. The most recent funding activity was a Seed round of $4 million completed in January 2022. 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 $4M
- Total Rounds 1
- Last Round Seed — $4M
- First Round $4M
(Jan 2022)
- Investors Count 13
All 1 funding rounds of Credit Dharma 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 |
|---|---|---|---|---|---|
| Jan 2022 | $4M | Seed | – | Kalaari Capital |
13 investors in total: 4 institutional and 9 angel.
Investors in Credit Dharma
Credit Dharma has secured backing from 13 investors, including venture fund and angel investors. Prominent investors backing the company include Kalaari Capital, Better Capital and iSeed.
| Investor | Description | Founded Year | Domain | Location |
|---|---|---|---|---|
Investments in early-stage technology companies are made by Kalaari Capital. | kalaari.com | Bengaluru, India | ||
Early-stage companies are invested in by Better Capital. | bettercapital.vc | Santa Clara, United States | ||
Micro venture capital fund focused on multiple sectors | iseed.vc | |||
Micro venture capital firm investing in cloud startups | cloudcap.in | Delhi, India | ||
KS Kunal Shah | Founder of CRED, serial entrepreneur, and prominent Indian angel investor | unknown_48cd7482d3664234b | ||
JG Jitendra Gupta | Founder of Jupiter, ex-Citrus Pay, prominent fintech angel investor | unknown_de7ba0b2c2574997a | ||
LK Lalit Keshre | Co-founder of Groww, leading Indian investment platform, active angel investor | unknown_e3aebaddd8f948529 | ||
AR Amrish Rau | CEO of Pine Labs, fintech leader, active angel investor | unknown_18e994c1fa9346ecb | ||
SR Sweta Rau | Angel investor, founder of White Ventures, focused on early-stage startups | unknown_3d64de877add45999 | ||
RS Ramakant Sharma | Co-founder of Livspace, angel investor in Indian startups | unknown_2bfe7a83e8cf42df9 |
Investor details for Credit Dharma
The complete investor list, round-by-round participation and investor portfolios require an active premium plan.
- Complete investor list
- Round participation
- Investor portfolios
- Co-investor network
Verified entity values are shown only after access is granted.
Board of directors of Tres Commas Technologies Private Limited (Credit Dharma)
Tres Commas Technologies Private Limited is the primary company behind Credit Dharma. The board of Tres Commas Technologies Private Limited currently have 2 directors; the longest-serving is Akul Aggarwal, appointed in 2021. 3 earlier directors have ceased.
| Director | Designation | Appointed | Tenure | Entity |
|---|---|---|---|---|
| Akul Aggarwal DIN 09076773 | Director | 24 Feb 2021 | 5 yrs 8 mo | Tres Commas Technologies Private Limited |
| Rishu Garg DIN 09076725 | Director | 24 Feb 2021 | 5 yrs 8 mo | Tres Commas Technologies Private Limited |
Financials of Credit Dharma
Figures of Tres Commas Technologies Private Limited, the primary company behind Credit Dharma, for FY 2025. Revenue was ₹1.48 Cr (+2% year on year). Net loss was -₹6.49 Cr (-439% margin). EBITDA was -₹6.45 Cr (-436% margin). Revenue has grown at a compounded annual rate of +47% over three years.
- ₹1.48 CrRevenue · FY 2025 · +2% YoY
- -₹6.49 CrNet loss · -439% margin
- -₹6.45 CrEBITDA · -436% margin
- ₹11.5 LakhPaid-up capital
- 5Employees (provident fund records)
- +47%Revenue CAGR, 3 years
Balance sheet, profit and loss, cash flow and ratios of Tres Commas Technologies Private Limited are on its company page.
Detailed financial statements for Credit Dharma
Statement rows, ratios, five-year trends and downloadable financials of the group companies require an active premium plan.
- Statement rows
- Financial ratios
- Five-year trends
- Downloads
Verified entity values are shown only after access is granted.
Timeline of Credit Dharma
2 dated milestones of Credit Dharma across 1 years, from founding to its latest funding, stage changes and deals.
- Founded Credit Dharma is founded.
- Funding First funding round of $4.0M.
Top companies in Housing Finance
3 companies that operate in the same segment as Credit Dharma (Housing Finance) in India, ranked by their profile score on The Company Check.
| Company | Description | Founded | Location | Total funding | Revenue | Employees |
|---|---|---|---|---|---|---|
Operates an online platform for educational loans tailored to students. | 2019 | Bengaluru, Karnataka, India | USD 24.31 M | 1,250 | ||
Loans for housing and business are provided by Aavas Financiers in India. | 2011 | Jaipur, Rajasthan, India | USD 99.6 M | 6,379 | ||
Finance services encompassing loans and insurance in India. | 1991 | Jaipur, Rajasthan, India | USD 8.21 M |
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Frequently Asked Questions about Credit Dharma
Credit Dharma was founded in 2021 and raised its 1st funding round 1 year after it was founded.
Credit Dharma is headquartered in Bengaluru, India. It is registered at Bengaluru, Karnataka, India.
Credit Dharma is a funded company, having raised a total of $4M across 1 funding round to date. The company's 1st funding round was a Seed of $4M, raised on Jan 2022.
Credit Dharma has 5 employees.
The primary company behind Credit Dharma, Tres Commas Technologies Private Limited, reported revenue of ₹1.48 Cr for FY 2025, up 2% year on year.
Credit Dharma is operated as a leading home loan platform in India, focusing on providing transparent, simple, and unbiased home loan solutions. Services are extended across various financial needs, including home loans, balance transfers, and mortgage loans. Partnerships are established with over 40 top banks to offer competitive interest rates and high funding options. The platform is designed to ensure quick disbursals, digital processes, and lifetime support through dedicated experts. Operations are primarily centered in the financial services sector, targeting home buyers and property investors with tailored solutions for diverse profiles and requirements.
Credit Dharma offers Home Loan, Balance Transfer, and Mortgage Loan.
Credit Dharma has 13 investors. Key investors include Kalaari Capital, Better Capital, iSeed, CloudCap, and Kunal Shah.
Credit Dharma operates through Tres Commas Technologies Private Limited.
The legal entities of Credit Dharma currently have 2 directors, including Akul Aggarwal, Rishu Garg.