Lender identification & lending licence
TechFino Cred-Co is published on the Apple App Store and this website is operated by the same company.
The lender is Techfino Capital Private Limited — a Non-Banking Financial Company (NBFC) holding Certificate of Registration No. N-02.00314 issued by the Reserve Bank of India, Department of Non-Banking Supervision, Bengaluru Regional Office, on 26 March 2019 under Section 45-IA of the Reserve Bank of India Act, 1934 (classification: NBFC-ND — Type II, not authorised to accept public deposits).
Techfino Capital Private Limited is the lender of record for every loan it makes. It lends on its own balance sheet under its own RBI registration; it is not a marketplace or an agent for an undisclosed lender. This website (techfino.in) and TechFino Cred-Co are owned and operated by the same legal entity.
Privacy policy & loan services privacy policy
TechFino Cred-Co is published by a lender. The privacy policy that governs the app and all loan services provided by Techfino Capital Private Limited is published in full below and is accessible without logging in, registering or downloading the app.
Loan Services Privacy Policy
The privacy policy for the app and for the lender’s loan services. Identifies the lender, the RBI licence, the data we collect and how it is used.
Read the Loan Services Privacy Policy →Company Privacy Policy
The corporate privacy policy of Techfino Capital Private Limited, applicable across all our channels, products and websites.
Read the Company Privacy Policy →Signed policy & translations
The board-approved privacy policy as a PDF, and translations in Hindi, Kannada, Telugu and Gujarati.
View all versions →Contact our support team
Our customer care team supports every TechFino Cred-Co user. You do not need an account, and you do not need to install the app, to contact us.
Call us
Monday to Friday, 9:00 AM – 6:00 PM IST and Saturday, 10:00 AM – 3:00 PM IST, except public holidays.
+91-8069474744Registered office
Techfino Capital Private Limited1st Floor, Smartworks, DSR Technocube,
Thubarahalli, Varthur Road,
Bengaluru Urban, Karnataka – 560037, India
What the app does
TechFino Cred-Co gives a customer secure access to their own credit information. We describe the app’s function precisely so that what you read here matches what you see on screen and what is declared in our App Store listing.
Credit score
View your current credit score, retrieved from a credit information company (credit bureau) licensed under the Credit Information Companies (Regulation) Act, 2005, with your explicit consent.
Credit bureau report
See the credit accounts, repayment history and credit enquiries reported about you by the bureau, in a readable format.
Credit-health insights
Understand the factors that influence your score, and what typically improves or damages a credit profile over time.
What the app does not do. TechFino Cred-Co does not accept loan applications, does not run KYC or e-signing, does not disburse money and does not collect repayments inside the app. It does not accept deposits — as an NBFC-ND Type II, Techfino Capital Private Limited is not authorised to accept public deposits.
How lending works. Loans are made by Techfino Capital Private Limited in its own name and on its own books, as the lender of record, under RBI Certificate of Registration No. N-02.00314. Loan origination, sanction, disbursal and collection are carried out through the lender’s own regulated channels — not through this app. Full loan terms, interest rates and fees are published on the lender and lending licence page and in our regulatory disclosures.
No third-party lender. There is no undisclosed lender, marketplace partner or unlicensed entity behind the app. Techfino Capital Private Limited is the sole lender and the sole publisher of the app.
App & publisher details
These details match the metadata declared in App Store Connect for this listing.
| App name | TechFino Cred-Co |
|---|---|
| Publisher / developer | Techfino Capital Private Limited (the lender) |
| Publisher’s lending licence | RBI Certificate of Registration No. N-02.00314 (NBFC-ND Type II) |
| Category | Finance — credit information services |
| Storefront | India |
| Support URL | https://www.techfino.in/cred-co-support.html (this page) |
| Privacy policy URL | https://www.techfino.in/credco-privacy.html |
| Lending licence URL | https://www.techfino.in/lending-licence.html |
| Support email | customercare@techfino.in |
| Support phone | +91-8069474744 |
Licence & registration documents
The documents below are published in full and can be opened directly — no login, registration or app download is required.
RBI Certificate of Registration
The lending licence. Certificate No. N-02.00314, granted to Techfino Capital Private Limited by the Reserve Bank of India on 26 March 2019 under Section 45-IA of the RBI Act, 1934.
Open the RBI Certificate of Registration (PDF)Certificate of Incorporation
Issued by the Registrar of Companies, Ministry of Corporate Affairs, on 5 July 2018. CIN U65999KA2018PTC114532.
Open the Certificate of Incorporation (PDF)GST Registration Certificate
Form GST REG-06 issued by the Government of India. GSTIN 29AAGCT8403P1ZN, effective 15 November 2018.
Open the GST Registration Certificate (PDF)Grievance redressal
Techfino Capital Private Limited follows the grievance redressal mechanism prescribed by the Reserve Bank of India for NBFCs. If you are not satisfied with the resolution provided at any level, you may escalate to the next level.
Response within 14 working days
Email customercare@techfino.in or call +91-8069474744.
Monday to Friday, 9:00 AM – 6:00 PM IST and Saturday, 10:00 AM – 3:00 PM IST, except public holidays.
Mr. Braja Kishore Sahu
Principal Nodal Officer & Grievance Officer,
Techfino Capital Private Limited
Email grievance@techfino.in
Phone +91-9090505696
Please quote your complaint reference number.
Reserve Bank – Integrated Ombudsman Scheme, 2021
If your complaint is not resolved within 30 days, lodge it on the RBI CMS portal at cms.rbi.org.in, call the toll-free number 14448, or write to:
Centralised Receipt and Processing Centre,
Reserve Bank of India, 4th Floor,
Sector 17, Chandigarh – 160017
Policies & regulatory disclosures
All policies required of an RBI-registered NBFC are published on this website and open directly, without authentication.
Loan Services Privacy Policy
OpenTerms & Conditions
Open (PDF)Fair Practices Code
Open (PDF)Interest Rate Policy
Open (PDF)Grievance Redressal Mechanism
Open (PDF)Privacy-related Grievance Mechanism
Open (PDF)Ombudsman Scheme
OpenAll regulatory disclosures
OpenDownload & availability
TechFino Cred-Co is published on the Apple App Store for the India storefront by Techfino Capital Private Limited, the lender, under RBI Certificate of Registration No. N-02.00314.
Support for this app is provided directly by us through the channels listed above. The companion app TechFino CredCo is published by the same entity and is covered by the same lending licence, privacy policy and grievance redressal mechanism.
Statutory identity of the lender
Every identifier below can be independently verified with the issuing authority.
| Legal name of the lender | Techfino Capital Private Limited |
|---|---|
| Constitution | Private Limited Company, incorporated in India on 5 July 2018 under the Companies Act, 2013 |
| Corporate Identity Number (CIN) | U65999KA2018PTC114532 — verifiable at mca.gov.in |
| Regulator | Reserve Bank of India (RBI), Department of Non-Banking Supervision, Bengaluru Regional Office |
| Lending licence — RBI Certificate of Registration | N-02.00314, issued 26 March 2019 under Section 45-IA of the Reserve Bank of India Act, 1934 |
| Classification | NBFC-ND — Type II (non-deposit taking). Not valid for accepting public deposits. |
| Permanent Account Number (PAN) | AAGCT8403P |
| Tax Deduction Account Number (TAN) | BLRT14716C |
| GST Identification Number (GSTIN) | 29AAGCT8403P1ZN (Karnataka, regular registration effective 15 November 2018) |
| Registered & corporate office | 1st Floor, Smartworks, DSR Technocube, Thubarahalli, Varthur Road, Bengaluru Urban, Karnataka – 560037, India |
| Customer support | customercare@techfino.in · +91-8069474744 Monday to Friday, 9:00 AM – 6:00 PM IST and Saturday, 10:00 AM – 3:00 PM IST, except public holidays |
| Principal Nodal Officer / Grievance Officer | Mr. Braja Kishore Sahu · grievance@techfino.in · +91-9090505696 |
| Countries / storefronts served | India only |