About Us

What is Credbit X?

redbit X is a smart, cloud-based financial management software tailored for NBFCs, credit co-operative societies, microfinance institutions, and lenders. Built for simplicity and power, Credbit X helps automate and manage core operations like loan disbursal, repayments, member accounts, deposits, withdrawals, and compliance reporting—all in one secure platform.

Designed with modern lending institutions in mind, Credbit X enables you to manage multi-branch operations, handle member data, generate real-time reports, and provide members with a self-service portal, streamlining your daily operations and boosting your service efficiency.

Who We Are?

At Credbit X, a product of True Files India LLP, we are a team of tech and finance professionals dedicated to empowering co-operative societies, NBFCs, and emerging lenders. Our goal is to make digital financial management simple, secure, and accessible for grassroots institutions.

Credbit X was built to bridge the gap between traditional lending and modern digital systems. It combines real-world experience and user feedback into one powerful, cloud-based platform.

Credbit began as a basic invoicing tool and quickly became a trusted accounting platform for thousands of MSMEs across India. Building on this success, we launched Credbit X to meet the unique needs of lending institutions.

In just 6 months, Credbit X helped over 120 institutions manage ₹500 crore in accounts and loans. One co-operative society in Uttar Pradesh cut loan processing time by 60% using our platform.

Today, we continue to innovate and grow, supporting our users with new features, strong support, and a growing partner network.

What We Offer?

  • Loan & Member Account Management
    Easy tools to issue, track, and collect repayments with flexible interest & EMI structures.

  • Multi-Branch Support
    Manage operations of multiple branches with distinct financial data under one login.

  • Integrated Payment Systems
    Accept deposits, disburse loans, and enable repayments through seamless digital payment gateways.

  • Automated Reports
    Generate reports for audits, compliance, profit-loss, and member transactions in just one click.

  • Member Self-Service Portal
    Empower members to check balances, view statements, and apply for loans online.

  • Secure & Scalable
    Hosted on cloud infrastructure with top-tier encryption, backups, and user access control.

Teams

People Behind Us

At Credbit X, we’re not just a software provider — we’re your growth partner. With a skilled team and a focus on simplicity, security, and reliability, we empower co-operative institutions and lenders to manage finance with ease.

Rajeev Mishra

Lead Developer

An experienced backend architect focused on fintech platforms, Rajeev brings Credbit X to life with robust and secure infrastructure.

Anjali Sharma

Technical Director

With years of experience in product management and UI/UX, she ensures Credbit X remains simple, intuitive, and scalable.

Amit Kumar Pandey

Founder & CEO

Visionary entrepreneur and compliance expert, Amit leads Credbit X with a mission to digitize cooperative finance with smart software solutions.