ATM Cred App Reviews, Customer Care Number & Details

RBI-listed NBFC Swastik Finance's loan app; Play and its own site quote different prices

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

NBFCRBI RegulatedSelf-Employed OK

Reviewed by BankCreds App Review Team· App Review Analysts Updated 6 October 2026

ATM Cred is a small personal-loan and loan-against-property app on Google Play, and its listing says every loan is made by Swastik Finance Limited, an NBFC we found in RBI's own register. The one thing to know before applying: the app's Play listing and Swastik's own ATM Cred page disagree on price, so the only number to trust is the Key Fact Statement the app shows before you e-sign.

Play quotes an APR of 18% to 36% and a processing fee of 0% to 5%. Swastik's website says interest of up to 3% per month, a fee of 5% onwards and loans up to ₹75,000. Recent reviews are mostly one-star complaints about rejections, KYC errors and repayments not updating. Facts are as of October 2026.

Quick Facts

4.1★ · 146

Play Store

₹1L

Max Loan

18% – 36% APR (Play); up to 3% per month (lender page)

Interest Rate

No time commitment published; Play says 'Apply in minutes and get funds credited directly to your bank account'

Disbursal

3 – 12 months for app loans (Play lists up to 120 months incl. loan against property)

Tenure

0% – 5% (Play listing); "5% onwards" on the lender page

Processing Fee

Rs 5,000 per month

Min Income

Play Store rating sourced from Google Play, as of 6 Oct 2026. Other figures from the lender's official disclosures.

Our Ratings

Disbursal speed 2.5/5

The listing promises only that you can apply in minutes, and recent reviews describe applications stuck for days after verification.

Interest & cost 2.0/5

Rates and fees differ between Play and the lender's site, and the Play example uses flat-rate maths without the fee.

App experience 2.0/5

Reviewers repeatedly hit PAN–Aadhaar mismatch errors, frozen screens and repayments that do not update.

Customer support 2.0/5

A toll-free line and a named grievance officer exist, but reviewers say the helpline does not help and documents name different officers.

Safety & transparency 3.0/5

The lender is confirmed in RBI's register, but thin data-safety declarations, conflicting disclosures and clustered reviews hold the score down.

Loan Details & Charges

Loan Amount Rs 5,000 – Rs 1,00,000 personal loans (Play; lender page says up to Rs 75,000)

Interest Rate 18% – 36% APR (Play); up to 3% per month (lender page)

Tenure 3 – 12 months for app loans (Play lists up to 120 months incl. loan against property)

Processing Fee 0% – 5% (Play listing); "5% onwards" on the lender page

Foreclosure Nil pre-closure charges (Swastik's ATM Cred page)

Eligibility Criteria

Age 21-60 years

Min Income Rs 5,000 per month

Employment Salaried, self-employed

Documents Aadhaar, PAN, address proof, basic income details (property papers for loan against property)

What It Actually Costs

Loan amount ₹50,000

Tenure 12 months

Monthly EMI ₹5,023

Total interest ₹10,277

Processing fee ₹2,950 (₹2,500 + ₹450 GST)

Total repayment ₹60,277

Illustrative, at the top of Play's APR range and the website's 'up to 3% per month' ceiling, with a 5% fee plus 18% GST deducted upfront, so about ₹47,050 reaches your account. The website's '5% onwards' wording means the fee could be higher; your exact terms are in the in-app KFS.

Try the ATM Cred EMI calculator

Pros

Lender named in-app and confirmed in RBI's NBFC register; not on RBI's cancelled list
Play listing publishes an APR range, a fee range and a minimum tenure above Google's floor
Swastik's ATM Cred page lists nil pre-closure charges
Lender's site names a grievance officer with email, mobile and resolution timelines
Open to salaried and self-employed applicants with a low stated income floor

Cons

Play listing and Swastik's website quote different loan amounts, tenures, rates and fees
Website calls the processing fee '5% onwards', so it may exceed the Play listing's ceiling
Play's sample cost uses flat-rate maths and excludes the processing fee
Recent reviews report rejections, PAN–Aadhaar mismatch errors and repayments not updating
No late-payment or bounce charges published on Play or the lender's ATM Cred page

Our Verdict

ATM Cred clears the test many small loan apps fail. It names its lender, prints an RBI registration number, and Swastik Finance Limited sits in RBI's register of NBFCs as on June 30, 2026, as a non-deposit-taking investment and credit company in the Base Layer. It is not on RBI's cancelled list, and the Play developer account is the lender itself. Beyond that, the picture is weak. The Play listing and Swastik's website quote different amounts, tenures, rates and fees. The Play example shows ₹18,000 of interest on ₹1,00,000 at 18% for 12 months, which is flat-rate arithmetic rather than a reducing-balance EMI, and it leaves out the fee. The Data safety section declares only optional location and address, though the app collects Aadhaar, PAN and income details and its terms allow sharing with credit bureaus and partners. Grievance contacts and office addresses differ between documents, and the five-star reviews arrive in tight clusters. Use ATM Cred only if the KFS shows an APR and fee you have compared with at least two other regulated apps. If a cheaper offer is available, take that instead.

Who ATM Cred suits

Borrowers who want a small loan from an app whose lender is confirmed in RBI's NBFC register

Salaried or self-employed people with modest incomes within the 21–60 age band

Applicants who will read the in-app KFS line by line and walk away if the APR or fee is off

Look elsewhere if

You want the price on the lender's website to match the price in the app listing

You have a strong credit record and can get a cheaper loan from a bank or a larger NBFC

You need responsive support; reviewers describe an unhelpful helpline and stuck applications

Things to Watch

Data safety declares only optional location and address, yet the app takes Aadhaar, PAN and income details and its terms permit sharing with credit bureaus and partners.
Five-star reviews arrive in tight same-day clusters, and one is posted under the name 'Swastik Finance'.
Pricing conflicts: up to ₹10,00,000 over 120 months on Play versus up to ₹75,000 over 12 months on the lender's own page.
Different grievance officers and registered-office addresses across the lender's documents, and RBI's register lists yet another address in Faridabad.
We could not check RBI's Digital Lending Apps directory for this app; verify it there yourself before applying.

How to Apply for ATM Cred

1

Install the right app

On Google Play, open ATM Cred and confirm the developer shown is Swastik Finance Limited before installing; then sign up with your mobile number.
2

Complete KYC

Upload Aadhaar and PAN and enter basic income details. Make sure your name is spelt the same on both documents, since mismatches are the most common reason reviewers get stuck.
3

Pick a product and view the offer

Choose a personal loan or a loan against property and check the amount, APR, tenure and every charge the app displays.
4

Read the KFS, then e-sign

Compare the APR and processing fee in the Key Fact Statement with the Play listing before you sign; the loan is paid into your bank account after e-sign.

Documents Required

Aadhaar card

PAN card

Address proof

Basic income details (salaried or self-employed)

Property papers, only for a loan against property

What Real Users Say

The average is lifted by clustered five-star reviews; the organic-looking reviews are mostly one-star. Read the written complaints rather than the score.

As of October 2026 the app shows 4.1 stars from 146 reviews, but the written reviews split sharply: nearly all the five-star ones were posted in clusters on a few days, while reviews since mid-August are overwhelmingly one-star.

What users love

Five-star reviews mention a simple process and quick money, but most are one or two words, posted minutes apart, and one carries the lender's own name, so give them little weight.

Common complaints

Rejections even for users who say their credit score is good, claims the app only collects data, PAN–Aadhaar name mismatch errors at KYC, screens stuck after bank verification, repayments still shown as due, an unhelpful helpline, and one unverified claim of interest far above the advertised cap.

How ATM Cred Compares

vs MoneyView — A long-running regulated option for similar small personal loans; put its KFS APR side by side with ATM Cred's before choosing.

vs KreditBee — Covers the same small ticket sizes through RBI-regulated lending and gives you a useful benchmark for the fee you are quoted.

vs True Balance — Another regulated app for modest sums that is worth comparing if ATM Cred's offer comes with a high fee or rate.

How we tested

In October 2026 we read the ATM Cred Google Play listing, its Data safety page and every written review the store returned, Swastik Finance's website and its terms, fair practice code, grievance and privacy documents, and RBI's NBFC register (as on June 30, 2026) and cancelled-CoR list. We could not open RBI's Digital Lending Apps directory, which needs a login session, and we did not take a loan, so disbursal time, the KFS and the real APR are unverified.

ATM Cred (Swastik Finance) Customer Support Details

ATM Cred loans are made by Swastik Finance Limited, so these are the lender's own contacts. Its contact page names grievance officer Pankaj Grover (+91 90151 30910), though its fair practice code names a different officer. The grievance policy promises an acknowledgement within 48 hours and resolution of escalated complaints in 15 working days.

ATM Cred (Swastik Finance) customer care number	1800-889-7071
ATM Cred (Swastik Finance) WhatsApp number	NA
ATM Cred (Swastik Finance) customer support email ID	customercare@swastikfinance.in
Registered lending entity	Swastik Finance Limited (RBI-registered NBFC)
ATM Cred (Swastik Finance) grievance officer email	grievance@swastikfinance.in

Verified from ATM Cred (Swastik Finance)'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. All lender, bank & insurer contacts →

Frequently Asked Questions

Is ATM Cred safe and RBI registered?

The lender is real. Swastik Finance Limited, formerly Avon Money Solution India Limited, is listed at serial 7597 in RBI's NBFC register as on June 30, 2026, as a non-deposit-taking investment and credit company, and is not on RBI's cancelled list. Registration is not a quality guarantee, though: conflicting prices, a thin Data safety declaration and clustered five-star reviews mean you should read every term before signing.

What interest rate and fees does ATM Cred charge?

Google Play quotes an APR of 18% to 36% a year and a processing fee of 0% to 5%. Swastik's own ATM Cred page says interest of up to 3% per month and a fee of 5% onwards. On ₹50,000 for 12 months at 36%, the EMI is about ₹5,023, and a 5% fee plus GST would cost ₹2,950 if deducted upfront. Your exact APR appears in the app before you sign.

How much can I borrow from ATM Cred, and for how long?

Play lists ₹5,000 to ₹10,00,000 over 3 to 120 months, with personal loans capped at ₹1,00,000 and larger sums for loans against property. Swastik's website says ₹5,000 to ₹75,000 for up to 12 months. For an unsecured app loan, expect the smaller range, and confirm the sanctioned amount and tenure in the Key Fact Statement before you accept.

Who is eligible for an ATM Cred loan and what documents are needed?

You must be an Indian citizen aged 21 to 60, salaried or self-employed, with a minimum monthly income of ₹5,000 according to the Play listing. You upload Aadhaar, PAN and address proof and add basic income details. No minimum CIBIL score is published. Several reviewers say KYC failed because their PAN and Aadhaar names did not match exactly, so check both first.

What is the ATM Cred customer care number, and how do I complain?

Call Swastik Finance on toll-free 1800-889-7071 or email customercare@swastikfinance.in. If that fails, write to grievance officer Pankaj Grover at grievance@swastikfinance.in or call +91 90151 30910; the lender's policy promises acknowledgement within 48 hours and escalated resolution in 15 working days. If the complaint is still open after 30 days, file it with the RBI Ombudsman at cms.rbi.org.in.

Why does ATM Cred say my PAN and Aadhaar names do not match?

It is the most repeated complaint in recent reviews: KYC stops when the name on your PAN differs even slightly from Aadhaar, such as an initial on one card but not the other. The developer's replies blame spelling or format differences and ask users to contact support. Correct the record with the PAN or Aadhaar issuer first, then reapply, and never send documents to anyone over chat.

How do I file a complaint against ATM Cred?

Work the escalation ladder in order. First, raise the complaint with ATM Cred support (customercare@swastikfinance.in) 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@swastikfinance.in. 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 ATM Cred 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@swastikfinance.in), 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.

Download ATM Cred

Get instant loan in minutes

Apply Now

Play Store

Compare With

Compare Apps

ATM Cred Tools

ATM Cred EMI Calculator

All Loan App Reviews

See how ATM Cred stacks up against every other instant loan app we've reviewed — compare ratings, max loan and rates side by side.

Rank	App	Rating	Max Loan	Rate	Review
1	Bajaj Finserv	4.6	₹55L	10.00% – 30.50% p.a.	Read Review
2	Navi	4.6	₹20L	9.90% – 29.00% p.a.	Read Review
3	Orrish Orrish Finance Private Limited	4.6	₹7L	12% – 30% p.a. on personal loans (Play); up to 1% per day on loans of up to 90 days	Read Review
4	FlexiLoans Business Loan	4.58	₹50L	12% – 28% p.a. (official: 'from 1%/month'; ceiling unpublished)	Read Review
5	KreditBee KrazyBee Services Limited (NBFC) plus partner lenders: Northern Arc Capital, MAS Financial Services, PayU Finance India, Kisetsu Saison Finance, Piramal Finance, Cholamandalam, Mirae Asset Financial S	4.5	₹10L	12.00% – 28.50% p.a.	Read Review
6	MoneyView Multiple partner NBFCs/banks: Whizdm Finance Pvt Ltd (Moneyview group NBFC), Aditya Birla Finance, DMI Finance, Clix Capital, Kisetsu Saison Finance, SMFG India Credit, Piramal Capital & Housing Finan	4.5	₹10L	14.00% – 24.00% p.a.	Read Review
7	Home Credit Home Credit India Finance Pvt. Ltd. (NBFC; subsidiary of TVS Holdings Ltd.)	4.5	₹4.8L	19.20% – 44.00% p.a.	Read Review
8	Fibe NBFC partners	4.5	₹10L	18.00% – 36.00% p.a.	Read Review
9	Piramal Finance Piramal Finance Limited (formerly Piramal Capital & Housing Finance Limited)	4.5	₹25L	12.99% – 24.00% p.a.	Read Review
10	True Balance True Credits Private Limited (group NBFC) plus partner NBFCs: Grow Money Capital, InCred Financial Services, Vivriti Capital, Northern Arc, OXYZO Financial Services	4.5	₹2L	28.80% – 36.00% p.a.	Read Review
11	LendingPlate Unifinz Capital India Limited (NBFC, RBI CoR 14.00233)	4.5	₹2.5L	12% – 30% p.a.	Read Review
12	mPokket mPokket Financial Services Private Limited (NBFC; LSP/app owner: Maybright Ventures Private Limited)	4.4	₹2L	22.00% – 36.00% p.a.	Read Review
13	LazyPay NBFC partners	4.4	₹5L	18.00% – 32.00% p.a.	Read Review
14	Kissht SiCreva Capital Services Pvt. Ltd. (OnEMI/Kissht group NBFC) plus financing partners (logos: Aditya Birla, Mirae Asset Financial Services, Northern Arc, Piramal, SMFG, Suryoday, Utkarsh, Vivriti, MAS)	4.4	₹5L	14.00% – 30.00% p.a.	Read Review
15	Freo Multiple partners: Kisetsu Saison Finance (India) Pvt Ltd, SMFG India Credit, InCred Finance, RBL Bank, Apollo Finvest (India) Ltd, Cholamandalam, Lendbox, Komac Investments & Finance, Aspire Finance,	4.4	₹5L	13.00% – 36.00% p.a.	Read Review
16	Nira Multiple NBFC partners (LSP model): Northern Arc Capital, Niyogin Fintech, Avanti Finance, PayU Finance, Trillion Loans (formerly BharatPe-linked), Komac Investments and Finance (KIFPL); NIRA = Shuhar	4.4	₹1L	24.00% – 36.00% p.a.	Read Review
17	CreditSea Partner NBFCs: Chhotaria Securities Pvt Ltd (NBFC Reg B-05.04798), Meghdoot Mercantile Pvt Ltd (B-05.03357), CP Capital Ltd, TapStart Capital Pvt Ltd, Coffers Finvest Ltd (formerly GSB Finance). Credi	4.4	₹2L	14% – 36% p.a.	Read Review
18	CASHe Bhanix Finance and Investment Limited (NBFC)	4.3	₹3L	33.50% – 36.00% p.a.	Read Review
19	FlexSalary Vivifi India Finance Private Limited (RBI CoR N-09.00447)	4.3	₹3L	18.00% – 42.00% p.a.	Read Review
20	OLYV Multiple partner NBFCs (homepage logos: InCred, Northern Arc, PayU Finance, Poonawalla Fincorp, Upmove, Vivriti Capital); platform is SmartCoin Financials Pvt. Ltd.	4.3	₹5L	18.00% – 36.00% p.a.	Read Review
21	CashPey Naman Commodities Private Limited	4.3	₹5L	18% – 36% p.a. (Play listing); APR up to 50%	Read Review
22	RING Power Loan Si-Creva Capital Services Pvt Ltd (in-house, RBI reg N-13.02129), Northern Arc Capital, MAS Financial Services, Utkarsh Small Finance Bank	4.3	₹5L	32% – 57% p.a.	Read Review
23	Stashfin Akara Capital Advisors Private Limited (NBFC); co-lending partners Cholamandalam Investment and Finance Co Ltd, Northern Arc Capital Ltd, Oxyzo Financial Services Pvt Ltd	4.2	₹5L	11.99% – 59.99% p.a.	Read Review
24	PayRupik Sayyam Investments Pvt. Ltd. (RBI-registered NBFC)	4.2	₹2.5L	20.00% – 36.00% p.a.	Read Review
25	Hero FinCorp Hero FinCorp Limited (NBFC, lends directly)	4.2	₹7L	18% p.a. onwards (no published cap)	Read Review
26	ATM Cred Swastik Finance Limited	4.1	₹1L	18% – 36% APR (Play); up to 3% per month (lender page)	You're here
27	Pocketly Speel Finance Company Private Limited (NBFC; owns and operates Pocketly)	4.1	₹50,000	24% – 36% p.a. (all-in APR up to ~132% with fees, per third-party listings)	Read Review
28	HDFC Bank Pre-approved Personal Loan (Insta) HDFC Bank Limited (scheduled private sector bank)	4	₹50L	9.99% – 24.00% p.a.	Read Review
29	ICICI Bank Personal Loan ICICI Bank Limited (scheduled private sector bank)	4	₹50L	9.99% – 16.50% p.a.	Read Review
30	Axis Bank Instant Loan Axis Bank Limited (scheduled private-sector bank; lends directly)	4	₹50L	9.99% – 22.00% p.a.	Read Review
31	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
32	DhanCash Ind Global Securities Limited	4	₹1L	0.4% – 1.1% per day (146% – 401.5% a year)	Read Review
33	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
34	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
35	FatakPay FDPL Finance Private Limited (wholly-owned RBI-registered NBFC subsidiary, sole lender)	4	₹5L	18% – 40% p.a.	Read Review
36	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
37	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
38	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
39	Unity SFB Personal Loan Unity Small Finance Bank Limited (bank, lends on own book)	4	₹5L	16% – 30% p.a.	Read Review
40	Zype Respo Financial Capital Private Limited	4	₹5L	18% – 34% p.a.	Read Review
41	True Fund	4	₹0	Not disclosed	Read Review
42	Tap4Credit	4	₹0	Not disclosed	Read Review
43	Poonawalla Fincorp	4	₹5L	16% p.a. onwards (no published cap)	Read Review
44	PayTrust	4	₹0	Not disclosed	Read Review
45	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
46	DMI Finance	4	₹10L	13.99% – 24.90% p.a.	Read Review
47	Cash247 Siddhi Traders Pvt Ltd, Chhotaria Securities Pvt Ltd, Meghdoot Mercantile Pvt Ltd, Swaroop Finance Pvt Ltd (none verified on RBI records)	4	₹0	10.99% p.a. advertised; 14% shown elsewhere on the same site; max not disclosed	Read Review
48	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
49	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
50	Prefr Aditya Birla Capital Finance, Poonawalla Fincorp, SMFG India Credit, Zype, MAS Financial Services	3.2	₹5L	18% – 30% p.a.	Read Review
51	SMFG India Credit SMFG India Credit Company Limited	2.6	₹10L	12.50% – 30.00% p.a.	Read Review