What is CrediVitt? Who runs it, and how to check any loan site
Who runs CrediVitt, what it does and doesn't do, where your details go, and the checks that tell you whether any loan site is genuine.
Before you type your salary and your loans into a website you've only just found, you want to know who's behind it. Fair enough. CrediVitt is a loan comparison and application-assistance service run by Credivitt Fintech Private Limited, a company incorporated in India and based in New Delhi. It estimates what you may be eligible for across lenders, shows the terms side by side, and helps you submit an application to the lender you choose. It is not a lender.
This page sets out what that means in practice, how to check the company yourself, what happens to your details, and what to do if something goes wrong.
What CrediVitt does, and what it doesn't
| CrediVitt does | CrediVitt doesn't |
|---|---|
| Estimate what you may be eligible for, from the details you enter | Approve, sanction or pay out loans |
| Show indicative amounts, rates and EMIs side by side | Set interest rates or fees |
| Offer calculators that show repayments from the numbers you enter | Hold your money at any point |
| Help you prepare an application and, when you ask, submit it to the lender you select | Charge you for an enquiry, an eligibility check, a comparison or an application |
CrediVitt is not a bank or a non-banking financial company, holds no lending licence, and is not regulated by the Reserve Bank of India. The lenders are banks and NBFCs that are. Any loan is a contract between you and the lender alone, on the lender's terms, and the final amount, rate and fees are the lender's decision.
That's also why every figure you see before applying is an estimate. CrediVitt works it out from the figures you typed in, before any lender has seen your details. It isn't an offer.
Who runs it, and how to check
| Detail | CrediVitt |
|---|---|
| Registered name | Credivitt Fintech Private Limited |
| Trading as | CrediVitt |
| CIN | U62099DL2024PTC434667 |
| Based in | New Delhi, India |
| Support | support@credivitt.com |
You don't have to take this page's word for it. A CIN is the number the Ministry of Corporate Affairs gives every registered company. The ministry's website, mca.gov.in, lets you look up a company's registered details by its CIN. They should match the table above and the footer of every page on this site.
What happens to your details
A loan application holds some of the most private information you have, so it's worth knowing exactly where it goes.
- Checking your eligibility uses only the figures you type in. No lender sees them, and CrediVitt doesn't obtain your credit report to do it. Here's why that matters.
- Applying is the only point at which a lender receives your details. The application and documents go to the lender you selected, and to that lender's authorised agents and service providers, and only when you ask for it to be submitted.
- Storage. The application servers, database, document storage and backups are in Mumbai. Some service providers process limited data outside India, and the Privacy Policy lists which.
- Protection. Your PAN and bank account number are encrypted individually, documents are kept in private storage, and staff access is limited by role and logged. An uploaded Aadhaar card has the first 8 digits blacked out before it's stored.
- Your data isn't sold.
- Your choices. You can see, correct and download the data in your account, and delete your account.
The full detail, including what's deleted and what's kept, is in the Privacy Policy.
How to check that any loan site is genuine
These checks work for CrediVitt and for any other site or app that offers to find you a loan:
- Look up the company. Find the company's CIN, usually in the site's footer or About page, and search it on mca.gov.in. No CIN, or a name that doesn't match, is a reason to stop.
- Expect the lender to be named before you share documents. A genuine service tells you which bank or NBFC your application is going to before you upload your PAN, pay slips or bank statements. On CrediVitt the lender is named on every estimate and at the top of the application form.
- Treat any request for a fee as a red flag. Nobody acting for CrediVitt is allowed to ask you for money. A processing fee, if there is one, is set and charged by the lender under its own agreement with you. Anyone asking for an advance payment or a "file charge" to get a loan approved is not to be paid.
- Never share an OTP. The code you're sent is for you to type in yourself. CrediVitt never asks you for it.
If someone does ask you for money or a code in CrediVitt's name, don't pay or share anything, and write to grievance@credivitt.com.
If something goes wrong
A complaint about CrediVitt's platform or service goes to the Grievance Officer, Yash Sharma, at grievance@credivitt.com or +91 93106 72401. The process is on the About page.
A complaint about a loan, a lender's decision or a lender's use of your data goes to that lender's own grievance officer. If the lender doesn't resolve it within 30 days, you can take it to the RBI Ombudsman at cms.rbi.org.in. The RBI Ombudsman doesn't handle complaints about CrediVitt itself, because CrediVitt isn't regulated by the RBI.
Where to go from here
If you're weighing up a personal loan, find out what you're likely to be offered, lender by lender, before you apply anywhere. CrediVitt can work that out with you. To work out a repayment first, the calculators need no account.
CrediVitt is a loan comparison and application-assistance service operated by Credivitt Fintech Private Limited. It is not a lender. Loans are approved and disbursed only by the lender, at its sole discretion.