ATD Money App Reviews, Customer Care Number & Details

Payday loan app of RBI-registered NBFC ATD Financial Services, at 0.10% to 0.50% a day

This ATD Money app review covers interest rates, eligibility, charges, documents and real borrower feedback, along with the verified ATD Money customer care number and support email — plus the RBI grievance route if a complaint is not resolved in 30 days.

NBFCRBI Regulated

Reviewed by BankCreds App Review Team· App Review Analysts Updated 4 November 2026

ATD Money is a payday loan app for salaried people, and the lender is ATD Financial Services Private Limited, the NBFC that owns the app and is listed in RBI's register. What you most need to know is the price: interest is charged by the day, at 0.10% to 0.50%, and two fees come off before the money reaches you. You can borrow ₹3,000 to ₹50,000 for 91 to 365 days and repay it in a single payment. The processing fee and the documentation fee are 3.5% to 7.5% each, plus 18% GST. The app's own pages disagree on the maximum APR and on whether paying early saves interest. This review covers cost, eligibility, data use, user feedback, customer care and the complaint route, as of November 2026.

Quick Facts

3.7★ · 410

Play Store

₹50,000

Max Loan

36.5% to 182.5% a year

Interest Rate

Conflicting claims: approval in 3 minutes and money in 10 minutes (about page, Play); first-timers up to 30 minutes (Play); funds as soon as tomorrow (homepage); approval 8 to 24 hours with payouts at 11 am and 5.30 pm (FAQ).

Disbursal

3 months to 12 months

Tenure

3.5% to 7.5% + GST

Processing Fee

₹25,000 per month

Min Income

Play Store rating sourced from Google Play, as of 4 Nov 2026. Other figures from the lender's official disclosures.

Our Ratings

Disbursal speed 2.5/5

Its own pages promise anything from approval in 3 minutes to 8 to 24 hours, and recent reviewers describe long waits before an offer.

Interest & cost 1.0/5

Daily interest of 0.10% to 0.50%, plus two upfront fees of up to 7.5% each and GST, makes even the cheapest offer expensive.

App experience 2.0/5

Applying is digital, but reviewers say it wants HR contacts, an office email and several references, and the FAQ needs net banking too.

Customer support 2.5/5

A grievance officer is named with a phone and email, and some reviewers thank staff, but its pages name two different grievance officers.

Safety & transparency 2.5/5

The lender is a registered NBFC that lists the app, but clashing APR and prepayment terms, a blank Data safety form and a tracking clause cut trust.

Loan Details & Charges

Loan Amount ₹3,000 to ₹50,000

Interest Rate 36.5% to 182.5% a year

Tenure 3 months to 12 months

Processing Fee 3.5% to 7.5% + GST

Late Payment A penalty is charged for delayed repayment; the amount is not published on the site or Play, only in the agreement emailed to the borrower.

Foreclosure Website and Play say prepayment charges are Rs.0 and that early repayment saves interest, but the FAQ says foreclosure is available with interest for the full period opted at sanction.

Eligibility Criteria

Age 18+ years

Min Income ₹25,000 per month

Employment Salaried only

Documents Recent photograph, PAN, Aadhaar, address proof, last 6 months' bank statement, latest 3 months' salary slips; net banking and an Aadhaar-linked mobile; FAQ also lists PDC, loan agreement and NACH form (the about page says no PDC/NACH, only e-mandate). Reviewers report HR contact, office email and several references being asked.

What It Actually Costs

Loan amount ₹5,000

Tenure 91 days (about 3 months), one repayment

Monthly EMI ₹5,910 in one payment on day 91 (no EMIs)

Total interest ₹910 (0.20% a day for 91 days)

Processing fee ₹413 (₹350 processing and documentation fees + ₹63 GST), deducted upfront

Total repayment ₹5,910

This is ATD Money's own published example at 0.20% a day, which is 73% a year before fees, so the monthly EMI formula doesn't apply to this one-payment loan. You'd receive ₹4,587 and repay ₹5,910; at the top rate of 0.50% a day, interest alone runs at 182.5% a year.

Try the ATD Money EMI calculator

Pros

Owned and run by ATD Financial Services, an NBFC listed in RBI's register
The NBFC's own website lists ATD Money among its digital lending apps
Clear worked example: ₹5,000 for 91 days at 0.20% a day costs ₹910 in interest
Minimum term of 91 days gives more breathing room than one-month payday loans
Grievance officer named with a mobile number and email on the contact page

Cons

Interest of 0.10% to 0.50% a day, charged on top of two upfront fees
Processing and documentation fees of 3.5% to 7.5% each, plus 18% GST, come off the loan
Maximum APR is 240.22% on the website but 88.36% on Google Play
FAQ says early closure still costs interest for the full period, despite a ₹0 prepayment claim
Salaried only, with minimum pay of ₹25,000 a month on the site or ₹20,000 on Play

Our Verdict

ATD Money passes the first test. It's the in-house app of ATD Financial Services, an NBFC in RBI's register, and the NBFC's own website lists ATD Money among its digital lending apps. You're dealing with a regulated lender, not an unnamed middleman. The trouble is cost and clarity. At 0.10% to 0.50% a day, even the lowest rate is steep, and fees of up to 7.5% each plus GST come off the top. The website puts the maximum APR at 240.22%, while Google Play says 88.36%. The site promises no prepayment charge, yet its FAQ says early closure still carries interest for the full period and that there's no free-look option. Play's Data safety form says nothing is collected, but the privacy policy describes reading financial SMS, your location and the contacts you name as references. If you're salaried, need a small sum and will read the sanction letter line by line, it can work. Ask in writing what closing early would cost before you sign. If you'd like a clearer, lower price with monthly EMIs, start with a regulated app that publishes a plain Key Fact Statement.

Who ATD Money suits

Salaried employees earning at least ₹25,000 a month who need ₹3,000 to ₹50,000

Borrowers who can repay the whole amount in one payment on the due date

Existing ATD Finance customers who already know its process and staff

Look elsewhere if

You want monthly EMIs rather than one lump-sum repayment

You might repay early and want that to cut your interest

You'd rather not hand over HR contacts, an office email and several references before seeing an offer

Not sure the app is genuine? Is ATD Money real or fake? How to check it yourself

Things to Watch

Its FAQ says there's no free-look option, though RBI's digital lending rules require a cooling-off period of at least one day.
Play's Data safety form says no data is collected, yet the privacy policy describes reading financial SMS, location and reference contacts.
The lender's app terms keep a right to track your location even after you uninstall, until the loan is repaid.
Marketing figures don't match: 1Mn+ downloads and 7Mn+ loans on the homepage, against 1L+ downloads and 30,000 loans on Play.
Many recent one-star reviews say the app gathers HR details and several references, then rejects the application.

How to Apply for ATD Money

1

Confirm the lender

Check that the sanction letter names ATD Financial Services Private Limited, and install the app only from Google Play, never from a link or APK file.
2

Register and complete KYC

Sign up with your mobile number, which must be linked to Aadhaar, then upload PAN, Aadhaar, a photo, salary slips and bank statements inside the app.
3

Read the agreement before e-signing

Check the daily rate, both fees, the amount you'll actually receive, the single repayment date and the late penalty, which is only given in the agreement.
4

Settle early-repayment terms

Ask in writing whether closing early saves interest, since the website and FAQ disagree. Repay only through the app or the lender's official channels.

Documents Required

PAN card

Aadhaar card, with your mobile number linked to it

Latest 3 months' salary slips

Last 6 months' bank statements

Recent photograph and address proof

What Real Users Say

Treat the 3.7 with care. Many five-star reviews are one or two words, several land on the same day, and dozens name individual staff, which can point to prompted reviews. We can't tell which ones are genuine.

Google Play shows 3.7 stars from 410 ratings, but the split is stark: 263 five-star and 121 one-star, with 16 four-star, 8 two-star and none at three. Recent written reviews divide the same way.

What users love

Happy reviewers, many of them repeat borrowers, describe a smooth process and quick payouts, and often thank staff by name, such as Kishan, Shreya, Vikash or Jitendra.

Common complaints

Complaints from 2026 centre on long waits, requests for an HR phone number, an office email and five or more references, and rejection after all that data is handed over. One borrower said a repaid loan still showed as open on their credit report.

How ATD Money Compares

vs mPokket — A regulated app for small salaried loans; compare its total cost with ATD Money's daily rate and two fees.

vs FlexSalary — A credit line for salaried borrowers that lets you draw only what you need, worth comparing on fees and repayment flexibility.

vs KreditBee — A large regulated lender with EMI-based personal loans; set its KFS against a single lump-sum ATD Money repayment.

How we tested

We checked in November 2026. We read ATD Money's website, FAQ, terms, privacy and refund pages, its Google Play listing, the Data safety page and the newest dated Play reviews. We also read ATD Finance's own site, fair practice code and grievance policy, and RBI's NBFC register as on September 30, 2026. RBI's Digital Lending Apps directory and cancelled registration list wouldn't load, and we didn't check MCA or Sachet. We didn't take a loan, so speed and recovery conduct come from user reports.

ATD Money (ATD Financial Services) Customer Support Details

ATD Money handles its own support, because the lender, ATD Financial Services, owns the app. Call or email the app's care team first and quote your loan number or CRN ID. If that doesn't work, write to grievance officer Kisan Sahoo. None of the published numbers is toll-free. The lender's own helpline runs 10:00 am to 06:30 pm, Monday to Saturday. After 30 days without a fix, go to RBI's complaint portal.

ATD Money (ATD Financial Services) customer care number	0120-4348458
ATD Money (ATD Financial Services) WhatsApp number	NA
ATD Money (ATD Financial Services) customer support email ID	info@atdmoney.com
Registered lending entity	ATD Financial Services Private Limited (RBI-registered NBFC), which owns the app and lends directly
ATD Money (ATD Financial Services) grievance officer email	grievance@atdmoney.com

Verified from ATD Money (ATD Financial Services)'s official contact or grievance page on 2026-09-13. Companies change helplines without notice — cross-check inside the app before calling, and never share an OTP, PIN or card details with anyone claiming to be support. Full ATD Money customer care page → All lender, bank & insurer contacts →

Frequently Asked Questions

Is ATD Money safe and RBI registered?

ATD Money is the app of ATD Financial Services Private Limited, an NBFC listed in RBI's register as on September 30, 2026, under its Kanpur regional office. The NBFC's own website names ATD Money as its digital lending app, so the lender is regulated. We couldn't open RBI's Digital Lending Apps directory to confirm the listing there, so make sure your sanction letter names this NBFC.

What does an ATD Money loan really cost?

Interest is 0.10% to 0.50% a day, depending on your profile, plus a processing fee and a documentation fee of 3.5% to 7.5% each, and 18% GST on both. In ATD Money's own example, ₹5,000 for 91 days at 0.20% a day costs ₹910 in interest and ₹413 in fees, so you get ₹4,587 and repay ₹5,910.

How much can I borrow from ATD Money and for how long?

You can borrow ₹3,000 to ₹50,000. The website gives a tenure of 91 to 365 days, and Google Play says a minimum of 90 days. There are no EMIs: the FAQ says you repay the principal and interest in one payment. Approval can take 8 to 24 hours according to the FAQ, even though other pages promise minutes.

Who is eligible for ATD Money and what documents are needed?

You must be a salaried Indian citizen aged 18 or over with a valid PAN and Aadhaar. The website asks for pay of at least ₹25,000 a month, while Google Play says ₹20,000. Keep a photo, address proof, 6 months' bank statements and 3 months' salary slips ready, plus net banking and a mobile number linked to Aadhaar.

How do I contact ATD Money customer care or complain?

ATD Money lists 01204348458, +91 9999589229 and info@atdmoney.com. Its grievance officer is Kisan Sahoo, on 9999589201 or grievance@atdmoney.com. The lender's grievance policy promises a reply within 7 business days. If the problem isn't fixed within 30 days, you can take it to the RBI Integrated Ombudsman through RBI's complaint portal.

Can I repay an ATD Money loan early and save interest?

Not clearly. The website and Google Play say prepayment charges are ₹0 and that early repayment saves interest. But the FAQ says foreclosure comes with interest for the full period chosen at sanction, and that there's no free-look option. Before you e-sign, ask the lender to confirm in writing what you'd pay to close the loan early.

How do I file a complaint against ATD Money?

Work the escalation ladder in order. First, raise the complaint with ATD Money support (info@atdmoney.com) and insist on a written complaint reference number — a call with no reference number effectively did not happen. If it is unresolved, escalate to the grievance redressal officer at grievance@atdmoney.com. The regulated entity has 30 days to resolve it. After that, you can complain free of cost to the RBI Ombudsman at cms.rbi.org.in — no lawyer is needed, and the decision is binding on the lender.

How do I stop harassment calls from ATD Money recovery agents?

RBI's rules on recovery conduct are specific: agents may not call before 8 a.m. or after 7 p.m., may not use threats, abuse or intimidation, and may not contact people from your phonebook to shame you. Blanket access to your contacts and photos is prohibited for digital lenders. If this is happening, save the evidence — call logs, screenshots, recordings — and complain to the lender's grievance officer (grievance@atdmoney.com), then to the RBI Ombudsman at cms.rbi.org.in if it continues. If the app is not a regulated entity at all, report it on the RBI Sachet portal (sachet.rbi.org.in) and to the cyber-crime helpline 1930 or cybercrime.gov.in. Harassment, morphed images and contact-list shaming are criminal offences regardless of whether you owe money.

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79	RupeeGo Salora Capital Limited	4	₹5L	Up to 36% a year	Read Review
80	Paisa Daily Ready Leasings Private Limited	4	₹50,000	365% a year	Read Review
81	PaisaBoxx Sawalsha Leasing & Finance Private Limited	4	₹1L	Not published	Read Review
82	Ola Loan InCred Financial Services, Tata Capital, Kisetsu Saison Finance (Credit Saison India), Poonawalla Fincorp, DMI Finance and other partners named by Ola Financial Services	4	₹10L	Not published	Read Review
83	Money Finserve Gopi Securities Private Limited	4	₹5L	35% a year	Read Review
84	KredTap Salora Capital Limited (the website also names Capital Trade Links Limited)	4	₹1L	12% to 32.5% a year	Read Review
85	Kredito24 North East Hire Purchase Company (India) Private Limited (also GSD Trading And Financial Services Private Limited and Asomi Finance Private Limited)	4	₹40,000	0% to 73% a year	Read Review
86	Fundo Baba U.Y. Fincorp Limited	4	₹1L	182.5% to 365% a year	Read Review
87	CashToYou Mount Shikhar Financial Services Limited, Savantika Vanijya Private Limited	4	₹40,000	0% to 73% a year	Read Review
88	Apollo Finvest Apollo Finvest (India) Limited	4	₹50,000	Not published	Read Review
89	Dhan Pocket Pawansut Holdings Limited (named by Dhan Pocket; the NBFC's own website does not list it)	4	₹1L	0.5% – 1% per day (182.5% – 365% a year); the site also prints an APR of 15% – 35%	Read Review
90	DhanCash Ind Global Securities Limited	4	₹1L	0.4% – 1.1% per day (146% – 401.5% a year)	Read Review
91	Aditya Birla Personal Loan Aditya Birla Capital Limited (NBFC-ICC, Upper Layer; Aditya Birla Finance merged into it)	4	₹50L	10% – 28% p.a.	Read Review
92	DigiCredit Khosya Finlease Private Limited (NBFC); DSG Investments Private Limited also shown as a partner	4	₹75,000	Up to 36% p.a. (stated cap; floor not disclosed)	Read Review
93	FatakPay FDPL Finance Private Limited (wholly-owned RBI-registered NBFC subsidiary, sole lender)	4	₹5L	18% – 40% p.a.	Read Review
94	InstaMoney Innofin Solutions Private Limited; Aeroflex Finance Private Limited (NBFCs). InstaMoney is operated by Roctogen Services Pvt Ltd (not an NBFC).	4	₹1L	24% – 48% p.a.	Read Review
95	Ram Fincorp R.K. Bansal Finance Private Limited (NBFC, self-declared RBI registration B-14.00700); Ram Fincorp = Kundanmal Technology Pvt Ltd, LSP only	4	₹2L	15% – 35% p.a. (listed)	Read Review
96	RapidMoney RuLoans Financial Services Pvt Ltd; Pooja Finstock International Ltd (PFIL Finance); Fintree Finance Pvt Ltd — RapidMoney (MoneyTime Technology Solutions Pvt Ltd) is an LSP	4	₹15,000	36.5% – 54.75% p.a. (quoted as 0.1% – 0.15% per day), before the 15% processing fee	Read Review
97	Unity SFB Personal Loan Unity Small Finance Bank Limited (bank, lends on own book)	4	₹5L	16% – 30% p.a.	Read Review
98	Zype Respo Financial Capital Private Limited	4	₹5L	18% – 34% p.a.	Read Review
99	True Fund	4	₹0	Not disclosed	Read Review
100	Tap4Credit	4	₹0	Not disclosed	Read Review
101	Poonawalla Fincorp	4	₹5L	16% p.a. onwards (no published cap)	Read Review
102	PayTrust	4	₹0	Not disclosed	Read Review
103	HDFC SmartEMI HDFC Bank Limited (scheduled private sector bank)	4	₹0	From 0.99% per month; rates actually charged Apr–Jun 2026: 10.80%–24.96% p.a.	Read Review
104	DMI Finance	4	₹10L	13.99% – 24.90% p.a.	Read Review
105	BharatPe Credit Line YES Bank (Pay Later line); personal loans via BharatPe Capital, Unity Small Finance Bank, Poonawalla Fincorp, InCred, Piramal Finance, Aditya Birla Capital, L&T Finance and other partner lenders	4	₹15L	18% – 70% p.a.	Read Review
106	Chintamani Finlease Chintamani Finlease Limited	3.8	₹3L	Up to 26% a year	Read Review
107	ZapCash Weekline Investment & Trading Co. Limited (also BMW Fin-Invest Private Limited)	3.8	₹5L	12% – 30% p.a. advertised; lender policy prices payday loans at 0.10% – 1.00% per day	Read Review
108	ATD Money ATD Financial Services Private Limited	3.7	₹50,000	36.5% to 182.5% a year	You're here
109	InstaPe Suryoday Small Finance Bank Limited (RBI-licensed small finance bank) and Mufin Green Finance Limited (RBI-registered NBFC)	3.6	₹0	Up to 30% a year	Read Review
110	AbhiCash C.N.M.P. Investments Private Limited	3.6	₹2L	14% to 36% a year	Read Review
111	Lendingkart Lendingkart Finance Limited	3.5	₹50L	13.5% to 35% a year	Read Review
112	Omozing Aparampaar Finance Private Limited	3.5	₹25L	11% to 59% a year	Read Review
113	Instant Mudra Chintamani Finlease Limited	3.5	₹30,000	Up to 66% a year	Read Review
114	Cash247 Meghdoot Mercantile Private Limited	3.5	₹2L	12% to 32.5% a year	Read Review
115	Udhaar Box Moneyplus Financial Services Limited	3.4	₹50,000	10.5% to 365% a year	Read Review
116	Prefr Aditya Birla Capital Finance, Poonawalla Fincorp, SMFG India Credit, Zype, MAS Financial Services	3.2	₹5L	18% – 30% p.a.	Read Review
117	SalaryMantra Bagmane Traders Private Limited	3.1	₹1.5L	Up to 35% a year	Read Review
118	LoanTap LoanTap Credit Products Private Limited (in-house NBFC), with MAS Financial Services Limited as co-lender; I-Loan Credit Private Limited is also named as a LoanTap lender	3	₹10L	12% to 26% a year	Read Review
119	SMFG India Credit SMFG India Credit Company Limited	2.6	₹10L	12.50% – 30.00% p.a.	Read Review