The story of Crestmont Capital is a story of belief — that every Indian deserves access to fair, fast, and transparent credit, regardless of where they are in life.
India has over 600 million working-age adults. Yet the formal credit system reaches fewer than 200 million. The rest — gig workers, MSMEs, first-time borrowers, semi-urban households — are either underserved or completely invisible to traditional lenders.
Crestmont Capital was founded to change this. We built askrupee.com — a fully digital lending platform — to serve the next 400 million credit seekers with the same quality of experience that was previously available only to the privileged few.
We are not just a fintech. We are a financial inclusion company that uses technology as a lever, not an end.
"Our goal was never to be the biggest NBFC in India. Our goal was to be the most trusted one — trusted by borrowers, regulators, and our own team."
— Crestmont CapitalEvery milestone on our journey has been a step closer to making credit accessible for every Indian.
Crestmont Capital Pvt. Ltd. incorporated. RBI NBFC registration initiated. Core team of 12 assembled across technology, credit, and operations.
Received RBI Certificate of Registration as NBFC. Originated first 100 loans on the askrupee.com platform. NPA at 0% in pilot cohort.
Crossed ₹10 Cr in disbursements. Launched AI-powered credit underwriting engine. Reduced approval time from 4 hours to under 15 minutes.
Signed first co-lending agreement under RBI's co-lending model. Expanded product suite to include salary-advance and MSME loans. Team grew to 100+.
Crossed ₹100 Cr in cumulative disbursements. Opened branch offices in Bengaluru, Hyderabad, Pune, and Delhi NCR. Launched askrupee.com v2 with instant KYC.
Surpassed ₹500 Cr in total disbursements. 50,000+ satisfied borrowers. 350+ strong team. Targeting ₹2,000 Cr AUM by 2026 with pan-India reach.
Values aren't wall posters at Crestmont Capital — they're the lens through which we make every decision.
We build for the next 400 million, not the top 40 million. Every product decision is filtered through the lens of access and inclusion.
We trust numbers, not gut feelings. Every credit decision, product update, and operational change is backed by rigorous data and testing.
Borrowers are people first, not credit scores. We train every team member to approach customer interactions with genuine empathy and respect.
For us, regulatory compliance isn't a checkbox — it's a competitive advantage. We build trust by doing things right, every single time.
Whether you're a borrower seeking your first loan, a partner looking to co-originate, or a talent who wants to build India's most trusted NBFC — there's a place for you at Crestmont Capital.