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Kaynet NBFC Lending Products

Transparent personal credit, disbursed in minutes.

Kaynet Financial Services Private Limited is an RBI-registered NBFC dedicated to simple, ethical, and accessible consumer credit. Through our premier digital lending application, Taplend, we offer instant personal loans up to ₹2,00,000 directly to your verified bank account.

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Our Flagship Consumer Lending Product

Emergency liquidity for working India — in minutes, not days.

Kaynet Financial Services built Taplend to solve a simple, pressing problem: salaried professionals facing a medical bill, a rent gap or an urgent expense had no fast, fair and transparent way to borrow. Taplend combines Kaynet’s underwriting engine with a thoughtfully simple app — so credit arrives when it matters, on terms borrowers can fully understand.

₹1,000 – ₹2,00,000Instant credit limits sized to your income and bureau profile.
100% paperlessApply, sign and get paid from the Android app. No branch visits.
Transparent APR36% p.a. interest; APR up to 75.99% — disclosed upfront.
KFS before you signEvery rupee of cost shown in a Key Fact Statement. No deposits.
Visit Taplend Website (www.taplend.in) Get it onGoogle Play
1.1 Million+Downloads on Google Play
4.6★Average Play Store rating
≤ 128 daysFlexible tenure
Loan Purposes

For life’s urgent moments

Medical emergencies
Bill payments
Urgent travel
Education fees
Home repairs
Month-end expenses
Eligibility & Documents

100% Digital & Paperless

  • Indian resident, aged 21–58 years
  • Salaried or regular monthly income
  • PAN & Aadhaar (Digital KYC under 1 minute)
  • Active bank account for direct disbursal
Transparent Pricing

Every charge disclosed upfront

Interest rate
36% p.a.
Processing fee
Up to 10% + GST
Risk assessment fee
2% + GST
Document signing fee
₹25
Advance fees / deposit
Never charged (₹0)
EMI Calculator

Calculate your loan installment & charges in real time.

Transparent calculation showing the exact fees, interest, and monthly repayment before you apply.

EMI Calculator 100% RBI KFS Compliant
Principal loan sanctioned
₹50,000.00
₹1,000₹50,000
36.00% p.a. (Fixed)
Interest is computed using 360-day banking year convention: ₹₹6,400.00 total interest over 128 days.
8 Installments · Due every 16 days
128 Days
Standard Transparent Charges (Pre-Disbursal):
• Processing Fee: 10%
• Risk Assessment Fee: 2%
• Document Signing Fee: ₹25.00
• GST on Above Charges: 18%
• Foreclosure Charges: 4%
• Late Fee (if overdue): 0.4%/day
Zero advance fee or security deposit guaranteed.
Expected Total Repayment
₹56,400.00

Repayable over 128 days across 8 installments of ₹7,050.00

Net Disbursal Amount₹42,890.00Credited directly to bank account
Each Installment (EMI)₹7,050.00Due every 16 days (x 8)
Loan Summary (as viewed by the customer, in app)
Sanctioned Loan Amount₹50,000.00
Net Disbursal Amount₹42,890.00
Loan Term / Tenure128 days (8 installments)
Installment (EMI)₹7,050.00 x 8
Total Interest (@ 36% p.a.)₹6,400.00
Annualized Interest Rate36.00%
Annualized Percentage Rate (APR)75.99%
Processing Fee (10% + 18% GST)₹5,900.00
Risk Assessment Fee (2% + 18% GST)₹1,180.00
Document Signing Fee (₹25 + 18% GST)₹29.50
Total GST on Above Fees₹1,084.50
Total Repayment Amount₹56,400.00
Indicative calculation for informational purposes. All actual loan figures, interest rates, and charges are disclosed in your Key Fact Statement (KFS) before you sign.
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Simple Application Process

How to get an instant personal loan on Taplend.

Complete your application in 4 quick, paperless steps right from your smartphone.

STEP 01

Download & Register

Install the Taplend app from Google Play and register with your mobile number.

STEP 02

100% Digital KYC

Complete paperless KYC verification in under 1 minute using your PAN and Aadhaar.

STEP 03

Instant Approval & KFS

View your approved limit and inspect the complete Key Fact Statement before accepting.

STEP 04

Direct Disbursal

Funds are transferred instantly into your verified savings bank account via UPI.

Borrower Protections

Why choose an RBI-registered NBFC for your loan?

Unlike illegal or unregulated loan apps, borrowing from Kaynet Financial Services guarantees complete regulatory protection, transparent pricing, and ethical conduct.

Zero Advance Fees Guarantee

We never ask for any processing charge, security deposit or money upfront before disbursal.

Direct Bank-to-Bank Transfers

All disbursals and repayments occur strictly via verified bank accounts, never via personal UPIs.

Complete Privacy Protection

We strictly adhere to RBI guidelines and never access your phone contacts, photo gallery, or call logs.

RBI Fair Practices Code Compliant

Dignified customer interaction and dedicated grievance redressal officers to assist you.

Regulated Entity Details

Kaynet Financial Services Private Limited

Entity Classification
Non-Banking Financial Company (NBFC)
RBI Certificate of Registration
N-13.01903
Corporate Identification Number (CIN)
U65921PN2007PTC130765
Flagship Digital Lending App
Taplend (Google Play) · www.taplend.in
Customer Support
help@taplend.in · +91-93558 71314
Apply on Taplend App Visit Taplend Website