Reimagining personal credit in India
Fair, fast, and fully digital — credit the way it should be.
Who we are
Privena Financial Services Private Limited is a Loan Service Provider (LSP) partnering with RBI-registered NBFCs to deliver personal loans across India. We operate fully within the RBI Digital Lending Directions 2025 framework.
Our mission
To make fair credit accessible to every Indian — not just those with a perfect bureau score.
How we make decisions
We don't rely on a single credit score. Privena's AI underwriting engine analyses 200+ data signals — bureau history, bank statement patterns, income behaviour, and digital footprint — to build a real picture of every borrower. Decisions in 60 seconds. No bias. No delays.
Why Privena
AI-powered risk engine
Faster, fairer decisions powered by machine learning.
200+ data signals
A complete picture of every borrower — not just a score.
RBI-registered NBFC partner
Loans originated in partnership with regulated lenders.
Full KFS transparency
Key Fact Statement shared before every loan — no surprises.
Pan-India, fully digital
Apply from anywhere. Paperless, end-to-end.
Our values
Trust above all
Every clause, every rate, every fee — disclosed upfront.
Customer first
We measure success by lives improved, not loans sold.
Built with technology
Modern infrastructure for speed, security and scale.
Made for India
Hyper-local underwriting that understands real Indian needs.
Privena Financial Services Private Limited · CIN: U70200HR2025PTC139802 · Operating as LSP under RBI Digital Lending Directions 2025