Building India’s trust layer for digital credit.
Kaynet Financial Services Private Limited is a technology-driven, RBI-registered NBFC committed to advancing financial inclusion across India by delivering transparent, accessible and compliant credit.
From a registered finance company to a digital credit platform.
Incorporated in 2007 and registered with the Reserve Bank of India as a non-banking financial company, Kaynet was founded on a straightforward belief: access to fair credit should not depend on who you know or where you live.
As India’s digital public infrastructure matured — Aadhaar eKYC, UPI, Account Aggregator, e-Sign and e-NACH — we rebuilt our lending operation from the ground up as a digital-first institution. The result is Taplend: an instant personal-loan app that brings regulated, transparent credit to salaried professionals in minutes, governed by the same Board-approved policies as every rupee on our balance sheet.
Vision
To be India’s most trusted credit infrastructure — where every borrower understands their loan and every partner trusts our governance.
Mission
To deliver fast, fair and fully transparent credit to underserved Indians through technology, while upholding the highest standards of regulatory compliance and borrower protection.
Principles we refuse to compromise on.
Zero Hidden Cost Philosophy
Every rupee a borrower pays is disclosed in the Key Fact Statement before signing. If it isn’t in the KFS, we don’t charge it — ever.
Responsible Lending
Credit limits are sized to repayment capacity, not to maximise disbursal. We actively avoid over-leveraging borrowers and never push loans.
Regulatory Compliance
Strict adherence to RBI Master Directions, Fair Practices Code, and regulatory guidelines across all operations.
Ethical Recovery Conduct
Collections follow the RBI Fair Practices Code strictly — no harassment, no contact with borrowers’ phonebooks, no public shaming.
Experience instant, paperless borrowing on Taplend.
Powered by Kaynet Financial Services Private Limited’s underwriting engine. Available on Android for instant personal loans up to ₹2,00,000 disbursed via UPI.