About Credit Dharma
Credit Dharma is a Financial Services company based in Bengaluru (India) founded in 2021 by Akul Aggarwal, Rishu Garg, and Sanjay Bharti. Home loan platform is provided to connect borrowers with lenders. The company has 5 employees. Its chief executive, as recorded, is Rishu Garg. Its website creditdharma.in draws about 24 thousand monthly visits. 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, Mortgage Loan, and EMI Calculator. Its focus areas include FinTech, Alternative Lending, Online Lenders and Mortgages.
Company details
Credit Dharma was founded in 2021 in Bengaluru, India, within the fintech sector focused on personal finance. A digital platform is operated to link borrowers with multiple lenders for home loans. Loan offers from various banks are compared, and support is extended for balance transfers and the full application process. Tools for assessing loan eligibility and calculating EMIs are also made available to users.
- Headquarters Bengaluru, India
- Employees 5
- Founders Akul Aggarwal, Rishu Garg, Sanjay Bharti
- SectorsFinancial Services
- Website category Finance · Accounting and Auditing
- Email••••••••
- Phone•••• ••••
- Website creditdharma.in
- Social LinkedIn X Instagram
- Legal Name Tres Commas Technologies Pvt. Ltd.
- 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
- Investors
- 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, Mortgage Loan, and EMI Calculator.
Service for obtaining home loans with low rates and fast disbursal.
Option to shift loans to lower interest rates and reduce EMIs.
Loans against property for personal or business needs.
Tool to calculate home loan repayments and interest.
Funding Insights of Credit Dharma
- Total Rounds 2
- Investors Count 1
All 2 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 |
|---|---|---|---|---|---|
| Jun 2022 | Seed | – | – | ||
| Nov 2021 | Angel Round | – | – | – |
1 investors in total: 1 institutional.
Investors in Credit Dharma
Credit Dharma has secured backing from 1 investor, including venture fund investors. Prominent investors backing the company include 10x Founders.
| Investor | Description | Founded Year | Domain | Location |
|---|---|---|---|---|
Venture capital firm focused on multiple sectors | 10xfounders.com | Munich, Germany |
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
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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 |
People of Credit Dharma
3 people are tracked at Credit Dharma (3 in leadership); the tracked headcount is 5.
| Name | Role | Group |
|---|---|---|
| Co-Founder & COO | Leadership | |
| Co-Founder & CEO | Leadership | |
Sanjay Bharti | Co-Founder & CBO | Leadership |
Complete people profiles for Credit Dharma
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- Full employee list
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- Board tenure
- Professional contacts
Verified entity values are shown only after access is granted.
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.
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- Downloads
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Timeline of Credit Dharma
3 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.
- Funding Latest funding round, Seed,.
Web traffic of Credit Dharma
The website of Credit Dharma (creditdharma.in) receives about 24.1K visits a month and ranks #1,147,738 among all websites worldwide, #2,836 in Accounting and Auditing.
- Monthly visits24.1K
▲ 4.8% vs previous month
- Unique visitors11.8K
per month
- Global rank#1,147,738
among all websites
- Category rank#2,836
Finance · Accounting and Auditing
- Bounce rate40%
- Pages per visit2.0
- Average visit38 sec
- DevicesDesktop 25% · Mobile 75%
Websites whose visitors overlap most with Credit Dharma. Affinity shows how closely the audiences match.
| Website | Domain | Audience affinity | Monthly visits | Global rank | Profile |
|---|---|---|---|---|---|
| eztax.in | 100% | 156.1K | #260,930 | View details | |
| herohousingfinance.com | 100% | 15.1K | #1,243,120 | View details | |
titanwealthinternational.com | titanwealthinternational.com | 100% | #495,719 | – | |
| mymudra.com | 100% | 93.3K | #418,302 | View details | |
accountinginsights.org | accountinginsights.org | 100% | #2,433,679 | – | |
| •••••••••• | ••••••.com | ••% | •.•M | #••••• | – |
| •••••••••• | ••••••.com | ••% | •.•M | #••••• | – |
| •••••••••• | ••••••.com | ••% | •.•M | #••••• | – |
All 40 similar websites and full traffic analytics for Credit Dharma
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- 40 similar websites
- Audience overlap
- Engagement analytics
- Traffic by brand
Verified entity values are shown only after access is granted.
Top companies in Alternative Lending
3 companies that operate in the same segment as Credit Dharma (Alternative Lending) in India, ranked by their profile score on The Company Check.
| Company | Description | Founded | Location | Total funding | Revenue | Employees |
|---|---|---|---|---|---|---|
Payment acceptance and processing solutions provider for businesses | 2018 | Gurugram, Haryana, India | USD 589.25 M | USD 179.52 M | 3,670 | |
Technology platform for real estate transactions and mortgages is provided. | 2014 | Gurugram, Haryana, India | USD 97.98 M | USD 28.9 M | 9,619 | |
Financial services are provided, specializing in personal and business loans. | 2016 | Mumbai, Maharashtra, India | USD 320.39 M | USD 185.7 M | 2,787 |
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Frequently Asked Questions about Credit Dharma
Credit Dharma was founded in 2021.
Credit Dharma is headquartered in Bengaluru, India. It is registered at Bengaluru, Karnataka, India.
Rishu Garg is the CEO of Credit Dharma, as recorded in our data. They have also founded this company.
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 was founded in 2021 in Bengaluru, India, within the fintech sector focused on personal finance. A digital platform is operated to link borrowers with multiple lenders for home loans. Loan offers from various banks are compared, and support is extended for balance transfers and the full application process. Tools for assessing loan eligibility and calculating EMIs are also made available to users.
Credit Dharma offers Home Loan, Balance Transfer, Mortgage Loan, and EMI Calculator.
Credit Dharma has 1 investor. Key investors include 10x Founders.
Credit Dharma operates through Tres Commas Technologies Private Limited.
The legal entities of Credit Dharma currently have 2 directors, including Akul Aggarwal, Rishu Garg.