Credit Saison India (Kisetsu Saison Finance India Pvt Ltd) is an RBI‑registered NBFC headquartered in Bengaluru, Karnataka. The company offers a wide range of loan products such as Business Loans, Small Business Loans, Vyapari (trader) Loans, Doctor Loans, Home Loans, and Loan Against Property designed to support entrepreneurs, professionals, and individuals with flexible credit solutions, fast digital processing, and competitive interest rates.
Highlights of Credit Saison Loan
Here’s a quick overview of the key features of Credit Saison Loan:
| Feature | Details |
|---|---|
| Loan Products | Business Loan, Small Business Loan, Vyapari Loan, Doctor Loan, Home Loan, Loan Against Property |
| Loan Amount Range | ₹2 lakh to ₹5 crore (secured vs. unsecured varies) |
| Interest Rates | Starting from 9.75% p.a. for secured loans to ~20% for some unsecured options |
| Tenure | 12 months up to 20 years, depending on the product |
| Collateral Requirement | No collateral for most business and vyapari loans; property-secured for Loan Against Property |
| Approval & Disbursal | Quick approval (48–72 hours) for unsecured products; doorstep services for secured ones |
Suggested Read: Know more about Doctor Loans & Other Loans for Professionals
Credit Saison Loan Interest Rate
Credit Saison offers competitive interest rates across a variety of secured and unsecured loan products. The applicable rate depends on factors like loan type, loan amount, applicant’s credit profile, income, and repayment capacity.
Below is a summary of the typical interest rate ranges for each loan category:
| Loan Type | Interest Rate (p.a.) |
|---|---|
| Business Loan | Starts from 16% p.a. |
| Small Business Loan | Starts from 22% p.a. |
| Vyapari Loan | Starts from 20% p.a. |
| Doctor Loan | Starts from 13% p.a. |
| Home Loan | Starts from 10% p.a. |
| Loan Against Property | Starts from 9.75% p.a. |
Note: Actual interest rates may vary based on the applicant’s credit score, income level, loan tenure, and lender’s internal assessment.
Credit Saison Loan Eligibility Criteria
The eligibility requirements change depending on whether the loan is secured or unsecured and the specific product. It typically includes:
- Age: 21–60 years (varies slightly)
- Stable income or business revenue, bank statements history
- CIBIL score: usually 650+ for unsecured, 600+ for secured
- Minimum business vintage and turnover thresholds, depending on the loan
Credit Saison Loan EMI Calculator
You can use an online EMI calculator to estimate your monthly payments by entering the loan amount, interest rate, and tenure. The calculator is available for all loan products and improves clarity on loan affordability.
Your Amortization Schedule (Yearly/Monthly)
Credit Saison Loan Documents Required
Loan documentation varies by product, but common documents include:
- Identity Proof: PAN, Aadhaar
- Address Proof: Utility bills, Aadhaar
- Financials: Salary slips, bank statements, ITRs (for self-employed)
- Business documents: GST certificate, trade license (for business or vyapari loans)
- Property documents for secured loans like Home Loan or Loan Against Property
Types of Loans Offered by Credit Saison
Credit Saison serves multiple borrower segments with these major loan categories:
1. Credit Saison Business Loan
Credit Saison offers flexible, collateral-free business loans up to ₹75 lakh for entrepreneurs, SMEs, and growing companies to support business expansion, working capital needs, equipment purchases, or digital transformation.
Key Features
| Feature | Details |
|---|---|
| Loan Amount | Up to ₹75 lakh |
| Interest Rate | Starts at 16% p.a. |
| Loan Tenure | 12 to 60 months |
| Collateral | Not required |
| Approval Time | As fast as 48 hours |
| Processing Mode | 100% online application and verification |
| Penal Charges | 3% per month on the overdue amount + GST |
Eligibility Criteria for Credit Saison Business Loan
- Age: Applicant should be between 23 and 60 years
- Business Vintage: Minimum 3 years of operations preferred
- Business Type: Proprietorship, Partnership, LLP, Pvt Ltd or Public Ltd Company
- Turnover: Minimum 25 Lakhs annually
- CIBIL Score: 650+ recommended
Documents Required for Credit Saison Business Loan
- Identity Proof: PAN Card, Aadhaar Card, Passport, or Voter ID
- Address Proof: Aadhaar, Passport, or Driving License, Trade License
- Business Proof: GST registration, Udyam certificate, trade license
- Financial Documents: Last 6–12 months bank statements, ITRs, or audited financials and GST Returns
Suggested Read: Know more about Business Loans
2. Credit Saison Small Business Loan
The Small Business Loan from Credit Saison is customised for startups and small-scale enterprises looking for quick funding. With loan amounts up to ₹15 lakh and a fully online process, these loans are ideal for managing operational costs, inventory, or short-term investments.
Key Features
| Feature | Details |
|---|---|
| Loan Amount | Up to ₹15 lakh |
| Interest Rate | Starts from 22% per annum |
| Loan Tenure | 12 to 36 months |
| Collateral | Not required |
| Approval Time | Typically within 48 hours |
| Application Mode | Online with digital KYC |
| Processing Fee | Up to 3% of the loan amount + GST |
| Late Payment Charges | 3% per month on overdue EMIs + GST |
Eligibility Criteria for Small Business Loan
- Applicant Age: Between 23 and 60 years
- Business Type: Proprietorship, Partnership, or Company
- Business Age: Preferably at least 2 year of operations
- Turnover: Minimum 25 Lakhs annually
- CIBIL Score: Preferably 650+
Documents Required for Small Business Loan
- KYC Documents: PAN Card, Aadhaar Card, Passport
- Address Proof: Passport, Aadhaar Card, Driving License, Trade License,Udyam Certificate.
- Business Registration Proof: GST Registration Certificate, Trade License
- Income Proof: Last 6-12 months Bank Statement, Certified Copies, GST Returns
Suggested Read: Know more about Small Business Loans
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3. Credit Saison Doctor Loan
Credit Saison provides collateral-free doctor loans with attractive interest rates, minimal paperwork, and fast disbursal to support medical professionals in expanding clinics, purchasing equipment, or managing working capital needs.
Key Features
| Feature | Details |
|---|---|
| Loan Amount | Flexible, based on professional profile |
| Interest Rate | Starts at 13% per annum |
| Tenure | 12 to 60 months |
| Collateral | Not required |
| Approval Time | Around 2 days |
| Documentation | Minimal papers needed |
| Penal Charges | 3% per month on overdue EMI (pro-rated by days), plus GST |
Eligibility Criteria for Credit Saison Doctor Loan
Applicants should meet the following general requirements:
- Age: Typically between 25 and 60 years
- CIBIL Score: 700 and above
- Annual Gross Receipts: Minimum 10 Lakhs
Documents Required for Credit Saison Doctor Loan
To apply for a Doctor Loan, prepare the following:
- Identity Proof: PAN card, Aadhaar card, Passport, or Voter ID
- Address Proof: Passport, Aadhaar Card, Driving License, Trade License
- Professional Proof: Degree Certificate, Medical Council Registration Certificate, Business address proof
- Income Proof: Last 6-12 months Bank Statement, Income tax returns, GST Returns
Credit Saison Vyapari Loan
Credit Saison offers the Vyapari Loan for shopkeepers, traders, and small merchants. This product features minimal documentation, fast approval, flexible tenures, and competitive interest rates especially suited for micro and small businesses across India.
Key Features
| Feature | Details |
|---|---|
| Loan Purpose | Working capital, inventory purchase, shop renovation |
| Loan Amount | Based on turnover |
| Interest Rate | Starting at 20% p.a. |
| Tenure | Flexible tenure of 12–36 months |
| Approval Time | Quick turnaround with loan disbursal in 2 days |
| Documentation | Minimal documentation required |
| Penal Charges | 3% per month on overdue amount (daily proration) + GST |
Eligibility Criteria for Credit Saison Vyapari Loan
While Vyapari Loans are designed to be inclusive, typical eligibility requirements include:
- Age: Between 23 and 60 years
- Business Entity: Proprietorship, Partnership, LLP, or Company
- Turnover: ₹25 lakhs per annum
- CIBIL Score: Typically 650 and above
Documents Required for Credit Saison Vyapari Loan
- Identity Proof: PAN, Aadhaar, Passport, or Voter ID
- Address Proof: Passport, Aadhaar Card, Driving License, Trade License
- Business Proof: Trade License, Udyam Certificate
- Financials: Bank statements for the last 6–12 months, Certified Copies, GST Returns
5. Credit Saison Home Loan
Credit Saison offers a flexible home loan up to ₹50 lakh with attractive interest rates, extended repayment tenures of up to 20 years, and simplified documentation, helping individuals purchase, build, or renovate their dream home quickly and affordably.
Key Features
| Feature | Details |
|---|---|
| Loan Amount | Up to ₹50 lakh |
| Tenure | Up to 20 years |
| Interest Rate | Starting at approximately 10% p.a |
| Processing Mode | Fully online with seamless application |
| Documentation | Minimal, digital-first approach |
| EMI Calculator Tool | Built-in calculator for EMI estimation |
| Processing Fee for Login during Application | Upto ₹3000 + Taxes per collateral offered |
| Processing Fee Prior to Disbursement | 1.5 – 3% of the loan amount |
Eligibility Criteria for Credit Saison Home Loan
While specific eligibility metrics aren’t fully detailed online, typical requirements include:
- Applicant age: 21 years (18 years for non-earning, co-borrower)
- If salaried, 60 years or retirement age, whichever is earlier.
- If self-employed, then 65 years. Non financial co-applicant can be 75 years at the time of loan closure.
- CIBIL score: 650 and above
- Income: ₹15000 per month
Documents Required for Credit Saison Home Loan
For Salaried Individuals
- Application Form: Duly filled and signed loan application form and passport-size color photographs
- KYC Documents: PAN Card, Aadhaar Card, Driving License, Voter ID, or Passport
- Proof of Employment: Last 3 months’ salary slips or an appointment letter
- Bank Statements: Last 6 months’ bank statement and latest Form 16
- Existing Loan Details: Information and track record of any existing loans
For Self-Employed / Non-Individual Applicants
- Application Form: Duly filled and signed loan application form and passport-size color photographs
- Business Documents: Business registration proof.
- Business Address Proof: PAN Card, Aadhaar Card, Driving License, Voter ID, or Passport
- Company KYC: PAN Card for partnership or LLP firms
- Financial Statements: Income Tax Returns for the last 2 financial years. Audited/CA-certified Balance Sheet and Profit & Loss Account
- GST Registration Certificate: Required if the loan amount exceeds ₹5 lakh
- Bank Statements: Last 6 months’ bank account statement or passbook
- Existing Loan Details: Information and track record of all existing loans
6. Credit Saison Loan Against Property
Credit Saison offers secured Loan Against Property (LAP) by allowing borrowers to pledge residential or commercial property. This product provides higher loan amounts, longer tenures, and lower interest rates compared to unsecured options, making it suitable for financing business growth, education, or personal needs
Key Features
| Feature | Details |
|---|---|
| Loan Amount | Up to ₹5 crore |
| Interest Rate | Starts around 9.75% p.a |
| Tenure | Typically 1 to 15 years |
| Collateral Required | Yes – residential or commercial property |
| Purpose of Loan | Business expansion, debt consolidation, education, personal needs |
| Approval & Disbursal | Digital processing with quick turnaround after site visit and valuation |
| Processing Fee for Login during Application | Upto ₹10,000 + Taxes per collateral offered |
| Processing Fee Prior to Disbursement | Upto 3% of the loan amount or Rs. 10,000 whichever is higher + taxes (Non-Refundable) |
Eligibility Criteria for Loan Against Property
To apply for a loan with Credit Saison, applicants must meet the following general requirements:
- Age: 21 years minimum (18 for co-borrower), up to 60 years for salaried and 70 years for self-employed.
- Take-Home Salary: ₹2 lakh p.a. and above for Tier 1 cities, ₹1.5 lakh p.a. and above for other locations.
- Work Experience: Minimum 1 year in the current job or business.
- CIBIL Score: Minimum score of 650 or above.
Documents Required for Loan Against Property
For Salaried Individuals
- Application Form: Completed and signed with passport-size photo.
- KYC Documents: PAN, Aadhaar, Driving License, Voter ID, or Passport.
- Employment Proof: Salary slip or appointment letter.
- Bank Statement: Last 12 months’ bank statements and latest Form 16.
For Self-Employed / Non-Individuals
- Application Form: Completed and signed with passport-size photo.
- Business Documents: Registration proof, PAN, Aadhaar, electricity bill, or passport.
- Business Address Proof: If not mentioned in business documents.
- Company KYC: PAN Card for Partnership/LLP firms.
- Financials: ITR, profit and loss statement, and balance sheet for last 2 years.
- GST Certificate: Required if loan exceeds ₹5 lakh.
- Bank Statements: Past 12 months.
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Steps to Apply for a Credit Saison Loan Online
Applying for a loan from Credit Saison is simple and fully digital. Follow the steps below to check your eligibility and complete your application:
- Visit the Website: Go to creditsaison.in and choose your desired loan product.
- Fill the Eligibility Form: Enter your name, contact details, loan amount, and location info in the “Check Your Eligibility” form.
- Agree to Terms: Tick the consent box to accept Credit Saison’s Terms & Conditions and communication policy.
- Click “Apply Now”: Submit the form to proceed with your application.
- Upload Documents: Provide necessary KYC and income documents online.
- Get Approval & Disbursal: If eligible, receive approval within 48 hours and get the funds disbursed to your account.
Credit Saison Loan Contact Details
For any loan-related queries, support, partnership opportunities, or grievance redressal, you can reach out to Credit Saison through the following official channels:
Corporate Office
Address:
Unit No. 301, 3rd Floor, Mantri Avenue,
KHB Games Village, Koramangala,
Bengaluru, Karnataka – 560047
Customer Support
| Contact Method | Details |
|---|---|
| Toll-Free Number | 1800-1038-961 |
| WhatsApp Support | +91 9987098137 |
| Email – Service Queries | support@creditsaison-in.com |
| Email – Partnerships | partnerships@creditsaison-in.com |
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