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grievance redressal

a complaint should never disappear into the product.

KredFlow is pre-launch and has no active borrowers. This page sets out the current contact route and the escalation structure that will be completed before any lending journey goes live.

no active lending product

current contact

Email arvind@kredflow.in with the subject “KredFlow complaint”. Include your name, company, contact details, what happened and the resolution you are seeking. Do not email passwords, OTPs, complete bank statements or full identity documents.

We aim to acknowledge messages within two business days. Because KredFlow is not yet operating a lending product, lender-specific response timelines do not currently apply.

before lending goes live

This page will be updated with the appointed nodal grievance officer's name, postal address, telephone number, working hours and escalation timeline. The appointed lender's grievance contact and website will also be displayed prominently.

future escalation path

  1. Contact KredFlow or the appointed regulated lender using the details shown in the Key Facts Statement and on this page.
  2. Keep the complaint reference and allow the stated resolution period.
  3. If an eligible complaint against the regulated lender is not resolved within 30 days, use the RBI Complaint Management System, subject to the RBI Ombudsman framework.

Open RBI Complaint Management System · Open RBI Sachet portal

fraud or impersonation

KredFlow will never ask for an OTP, card PIN, UPI PIN or password by phone, message or email. If someone claims to represent KredFlow and asks for these details or requests payment into a personal account, stop the interaction and report it to us.