Our Story
About OpenCredit
We started with one mission: make personal loans accessible, transparent, and fair for every Bangalorean.
Democratizing Access to Fair Credit
Founded in 2020 in Bangalore, OpenCredit.Money was born from a frustrating personal experience — the opacity and complexity of getting a personal loan in India.
We are a SEBI and RBI compliant loan marketplace (DSA — Direct Selling Agent) that connects qualified borrowers with our network of 25+ partner banks and NBFCs.
We don't lend money directly. Instead, we work hard to find you the best possible rate from our partner network — completely free of charge to you.
4,200+
Loans Processed
₹280 Cr+
Disbursed
25+
Bank Partners
4.8★
Customer Rating
Our Values
What We Stand For
Transparency First
No hidden fees. All interest rates, charges, and terms disclosed upfront before you apply.
Customer Centric
Every decision we make puts the borrower's financial wellbeing at the center.
RBI Compliance
We operate strictly within RBI guidelines. All partner lenders are registered and regulated.
Best Rate Matching
Our algorithm matches your profile with the most suitable lender to maximize approval chances.
Leadership
Our Team
Arjun Sharma
Co-Founder & CEO
Ex-HDFC Bank. 12 years in retail lending.
Kavitha Reddy
Co-Founder & COO
IIM Bangalore MBA. Fintech & operations specialist.
Rohit Menon
Head of Partnerships
15+ bank and NBFC partnerships managed.
Compliance
Regulatory Compliance
We operate with full transparency and regulatory compliance.