New Delhi [India], April 29: In a fast-paced and digitally transforming India, financial empowerment is more critical than ever. As millions of Indians take steps toward building their financial future, access to trustworthy banking and credit services has become a cornerstone of financial inclusion. This is where A K Financial Services, operating under the brand name 99 Creds, is making a significant impact.
Founded on 25th November 2020 by Kapil Dowlani, A K Financial Services is redefining the financial experience for everyday Indians. Headquartered in Wadgaon Sheri, Pune, the company is committed to making credit and banking more accessible, transparent, and personalized for people across all income levels and regions.
The Birth of a Vision: Why 99 Creds Was Created
The idea for 99 Creds came from a simple observation: despite the growing presence of banks and financial institutions in India, a large section of the population still struggled to get access to credit cards and banking products easily. Complicated procedures, lack of awareness, and limited financial education created a barrier between consumers and the financial tools they needed.
Recognizing this gap, Kapil Dowlani, a young entrepreneur with a passion for financial inclusion, founded 99 Creds with a clear vision — to simplify the process of accessing financial products and services and help people make informed decisions.
Rather than building another financial app, Kapil’s goal was to create a customer-centric ecosystem — one that doesn’t just sell financial products but also educates users, builds trust, and fosters long-term financial well-being.
What 99 Creds Offers
At its core, 99 Creds focuses on two primary financial domains:
1. Banking Services
99 Creds helps individuals open bank accounts in a seamless and efficient way. Whether it’s a savings account for a student or a current account for a small business owner, the platform offers end-to-end assistance. From documentation to choosing the right banking partner, 99 Creds ensures the journey is smooth and personalized.
The company collaborates with trusted banking institutions to ensure customers receive secure and beneficial products tailored to their lifestyle and financial goals.
2. Credit Card Solutions
Credit cards are powerful financial tools — when used wisely. However, many people either don’t qualify due to lack of credit history or are unaware of the right card to choose based on their needs. This is where 99 Creds shines.
The platform analyzes user profiles and recommends the most suitable credit card options from leading financial institutions. Whether a user is looking for cashback rewards, fuel benefits, travel perks, or simply building a credit score, 99 Creds provides a curated selection of cards with guidance throughout the application process.
With simplified digital applications, minimum documentation, and fast approvals, 99 Creds makes getting a credit card stress-free and straightforward.
Why Choose 99 Creds?
In a crowded market of fintech companies, 99 Creds stands out due to its personalized service model and focus on customer education. Here’s why more people are turning to 99 Creds for their financial needs:
Meet the Founder: Kapil Dowlani
At the heart of this successful venture is Kapil Dowlani, the founder and visionary behind A K Financial Services. Kapil brings to the table not just business acumen, but also a deep empathy for the struggles that ordinary people face when trying to understand or access financial products.
His motivation to start 99 Creds came from real-world experiences where people were denied financial services due to minor documentation issues or lack of credit history. Kapil set out to create a brand that would not only provide solutions but also remove the fear and confusion around credit — something that deters many from taking advantage of the financial opportunities available today.
Under his leadership, 99 Creds has grown from a local service in Pune to a nationwide platform, helping thousands get access to the financial products they need and deserve.
A Pune-Based Startup with a National Footprint
Based in Wadgaon Sheri, Pune, 99 Creds is deeply rooted in one of India’s most rapidly growing startup ecosystems. Pune provides a vibrant, tech-savvy, and diverse community that aligns perfectly with the brand’s growth goals. But despite its physical location, the company serves clients across India, from metro cities to rural towns.
Through its online platform https://99creds.com, the company has eliminated the need for physical branches and long wait times. Instead, users from anywhere in the country can explore products, consult with advisors, and apply for financial solutions with just a few clicks.
Looking Toward the Future
The journey of 99 Creds is just beginning. With the Indian financial sector undergoing rapid digital transformation, the company is poised to introduce more innovative solutions in the near future.
Future offerings may include:
- Personal Loans
- Insurance Products
- Investment Tools
- Credit Score Monitoring
- Financial Education Modules
These additions will make 99 Creds a complete financial wellness platform, serving users at every stage of their financial journey — from building credit to protecting wealth.
Conclusion: Credit Made Simple
A K Financial Services, through its brand 99 Creds, has carved a niche in India’s financial services space by focusing on simplicity, service, and security. For anyone looking to open a bank account or apply for a credit card, 99 Creds is more than just a service provider — it’s a trusted financial partner.
As the Indian economy grows and evolves, so does the need for reliable and user-friendly financial solutions. With a clear mission, strong leadership, and a customer-first approach, 99 Creds is not just keeping up — it’s leading the way.
Disclaimer: This article is for informational purposes only and does not constitute financial advice. Investments involve risk, and past performance is not indicative of future results. Readers should conduct their own research or consult with a qualified financial advisor before making any investment decisions.
