B4Salary App Reviews, Customer Care Number & Details

Salary loan app of Delhi NBFC Kisga Leasing, ₹5,000 to ₹1,00,000, mixed price terms

This B4Salary app review covers interest rates, eligibility, charges, documents and real borrower feedback, along with the verified B4Salary 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 30 October 2026

B4Salary is a personal loan app for salaried Indians, and the money comes from Kisga Leasing & Finance Private Limited, a Delhi NBFC that's on RBI's register and publishes the app itself. The one thing to know before you apply: B4Salary's own website, homepage calculator and Play listing describe different prices and loan terms, so the Key Fact Statement you get before e-signing is the only number to trust. On paper, you can borrow ₹5,000 to ₹1,00,000. The website's worked example charges 35% a year plus a 2% fee and GST. The app shows a 4.8 rating on Google Play as of October 2026, but recent one-star reviews describe stalled applications, unanswered helplines and pushy recovery calls, and much of the five-star praise reads like copy and paste.

Quick Facts

4.8★ · 653

Play Store

₹1L

Max Loan

35% to 36% a year

Interest Rate

Claims disbursal 'in a matter of minutes'; the post-application screen says decisions are 'usually made within 24 hours'. Many 2026 reviews report applications in review for days.

Disbursal

3 months to 12 months

Tenure

2% to 10% + GST

Processing Fee

₹30,000 per month

Min Income

Play Store rating sourced from Google Play, as of 30 Oct 2026. Other figures from the lender's official disclosures.

Our Ratings

Disbursal speed 2.5/5

The site promises money in minutes, but many recent reviews say applications sat in review for days, sometimes after e-signing.

Interest & cost 2.0/5

The website's 35% a year plus a 2% fee is fair for a small unsecured loan, but the calculator and Play listing quote different terms, so you won't know your price until the KFS.

App experience 2.5/5

Applying is fully digital, but the Data safety label says nothing is collected and many glowing reviews repeat the same words.

Customer support 1.5/5

A three-level grievance route is published, yet reviewers often say calls and emails go unanswered, and we saw no developer replies on Play.

Safety & transparency 2.0/5

The lender is an RBI-registered NBFC, but clashing price disclosures, broad data permissions and recovery-harassment reports pull the score down.

Loan Details & Charges

Loan Amount ₹5,000 to ₹1,00,000

Interest Rate 35% to 36% a year

Tenure 3 months to 12 months

Processing Fee 2% to 10% + GST

Foreclosure No foreclosure or prepayment penalty per the Fair Practices Code and 'Repay early with zero penalty' on the apply page. One reviewer (21 Oct 2026) reports a ₹548 + ₹98 GST 'convenience charge' at loan closure.

Eligibility Criteria

Age 21-55 years

Min Income ₹30,000 per month

Employment Salaried only

Documents PAN, Aadhaar, last 3 months' salary slips, last 3 months' salary-account bank statements, recent photo / live selfie; address proof listed in the site FAQ; reference contacts asked in the application form

What It Actually Costs

Loan amount ₹50,000

Tenure 12 months

Monthly EMI ₹4,998

Total interest ₹9,978

Processing fee ₹1,180 (₹1,000 fee + ₹180 GST)

Total repayment ₹59,978

Built on the 35% a year and 2% fee from B4Salary's own Rates and Fees panel, which match its representative example. The fee and GST come off upfront, so ₹48,820 reaches your bank; if your offer quotes a monthly or daily rate instead, the cost will differ.

Try the B4Salary EMI calculator

Pros

Lent by Kisga Leasing & Finance, an NBFC on RBI's register under the New Delhi regional office
Website shows a worked example: ₹50,000 over 12 months at 35% a year with a 2% fee
Its Fair Practices Code says there's no foreclosure or prepayment penalty
Fully online: PAN and Aadhaar KYC, live selfie and salary documents uploaded in the app
Names a grievance officer and a nodal officer, with a clear escalation order

Cons

Rate, fee and tenure differ across the website, the calculator and the Play listing
Salaried only, with a monthly income floor of ₹25,000 or ₹30,000 depending on the page
Many reviews say applications stay in review for days with no reply
Users report recovery calls and messages to references and family
Play listing says no data is collected, which clashes with its own privacy policy

Our Verdict

B4Salary isn't a shadow app. Its lender, Kisga Leasing & Finance, is on RBI's NBFC list as on 30 September 2026, and the Play listing carries Kisga's own name. That matters: you know exactly which regulated company answers for the loan if something goes wrong. Almost everything after that is shaky. The website quotes 35% a year and a 2% fee over one to three years. The Play listing works its example at 3% a month over 90 to 365 days. The homepage calculator runs in days and charges a fee of 5% to 10%. The Play Data safety label says the app collects nothing, while the privacy policy covers SMS, location and installed apps, and the terms allow location tracking until you've paid, even after you uninstall. Reviews from October 2026 also describe recovery agents calling references and family. Our view: borrow here only if you're salaried, you've read the Key Fact Statement line by line, and you're sure you can repay on the date. If any of that's uncertain, a regulated lender with one clear price list is the safer pick.

Who B4Salary suits

Salaried employees earning ₹30,000 or more a month who need ₹5,000 to ₹1,00,000

Borrowers who'll read the KFS and confirm a yearly rate before signing

People who are sure they can repay on the due date every time

Look elsewhere if

You want one clear, consistent price list before you share documents

You might miss a due date and don't want your references contacted

You need a support team that reliably answers calls and emails

Not sure the app is genuine? Is B4Salary real or fake? How to check it yourself

Things to Watch

Three price stories: 35% a year and a 2% fee on the website, 3% a month on Play, and a day-based calculator with fees of 5% to 10%.
The Play Data safety label says no data is collected or shared, but the privacy policy covers SMS, location, installed apps and sharing with lenders and credit bureaus.
The terms let the company monitor your location until dues are cleared, even if you uninstall the app.
Reviews from October 2026 describe recovery agents messaging references and calling family members.
The same five-star paragraph appears under many names, and one five-star review praises 'earning opportunities', so the 4.8 rating may not be organic.

How to Apply for B4Salary

1

Sign up with your mobile

Register on the B4Salary app or website with your mobile number and OTP, then accept the terms and the credit report consent.
2

Share job and salary details

Enter your employer, salary, next salary date, address and the reference contacts the form asks for.
3

Complete KYC

Verify PAN and Aadhaar by OTP, take a live selfie, and upload salary slips and bank statements or use Account Aggregator.
4

Check the offer and KFS

Look at the eligible amount, net disbursal, fee and total payable. Make sure the rate is a yearly one, not a daily one, before you accept.
5

E-sign and repay safely

Sign the agreement and repayment mandate. Repay only through the app or B4Salary's own repayment link, and ignore anyone who asks you to pay a personal account.

Documents Required

PAN card

Aadhaar card

Last 3 months' salary slips

Last 3 months' salary account bank statements

A recent photo or live selfie

What Real Users Say

The same five-star paragraph appears again and again under different names from August to October 2026, a burst of short five-star reviews arrived in late October, and we saw no developer replies to complaints. Treat the 4.8 with caution.

Google Play shows a 4.8 rating from 653 reviews as of October 2026, but the written reviews split between short, repetitive five-star posts and detailed one-star complaints.

What users love

Happy users mention a quick, paperless application with few documents, and several say approval came within minutes.

Common complaints

The most common complaint is an application stuck in review for days, sometimes after e-signing, with helplines and emails going unanswered. Others report repayments not showing in the app, slow NOCs, a ₹548 'convenience charge' plus GST at closure, and recovery agents contacting references and family.

How B4Salary Compares

vs FlexSalary — FlexSalary also serves salaried borrowers between paydays, so put both Key Fact Statements side by side and pick the lower all-in cost.

vs Nira — Nira covers a similar small-ticket range for salaried earners and is a regulated option worth checking before B4Salary.

vs MoneyView — MoneyView suits salaried borrowers who may need a bigger amount or a longer tenure from a regulated lender.

How we tested

On 30 October 2026 we read B4Salary's website, terms, privacy policy, Fair Practices Code and grievance page, its Google Play listing and Data safety section, and dated Play reviews from June to October 2026. We matched the lender against RBI's NBFC register as on 30 September 2026, using an Internet Archive copy because RBI's file server wouldn't load. We couldn't open RBI's Digital Lending Apps directory or the lender's own website, and we didn't take a loan.

B4Salary Customer Support Details

B4Salary is the app of Kisga Leasing & Finance, an RBI-registered NBFC that lends to you directly. Customer care works Monday to Saturday, 10 am to 6:30 pm, though one help panel says 7 days a week. To escalate, write to Grievance Officer Sangeeta Chauhan (+91 8796553277), who should reply within 15 working days. The next step is Nodal Officer V.K. Gupta (+91 7733866660). His listed email sits on an unrelated company's domain, so phone him instead. Ignore the Gmail address on the Play listing.

B4Salary customer care number	+91 8049368211
B4Salary WhatsApp number	NA
B4Salary customer support email ID	care@b4salary.com
Registered lending entity	Kisga Leasing & Finance Private Limited (RBI-registered NBFC), which runs the app itself
B4Salary grievance officer email	grievance@b4salary.com

Verified from B4Salary'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 B4Salary customer care page → All lender, bank & insurer contacts →

Frequently Asked Questions

Is B4Salary safe and RBI registered?

B4Salary's loans come from Kisga Leasing & Finance Private Limited, which is on RBI's NBFC register as on 30 September 2026 under the New Delhi regional office. The app is published under Kisga's own name, so it's a regulated lender, not a shadow app. We couldn't open RBI's Digital Lending Apps directory to confirm the listing, and reviews raise data and recovery concerns, so borrow carefully.

What does a B4Salary loan really cost?

B4Salary's website lists a fixed 35% a year plus a 2% processing fee and 18% GST on that fee. On its ₹50,000 example over 12 months, you receive ₹48,820, pay ₹4,998 a month and repay ₹59,978 in all. The Play listing uses 3% a month instead and the homepage calculator works in daily rates, so check your Key Fact Statement before signing.

How much can I borrow from B4Salary and for how long?

The website says you can borrow ₹5,000 to ₹1,00,000 and repay over one to three years. The Play listing gives a different window of 90 to 365 days, and the homepage calculator starts at 70 days. Your actual limit depends on your salary, credit report and verification, as of October 2026. Go by the tenure printed in your sanction letter, not the marketing pages.

Who is eligible for a B4Salary loan and what documents do I need?

You must be a salaried Indian resident, typically aged 21 to 55 according to the website, though the Play listing says 18 and above. One page asks for at least ₹30,000 a month and another ₹25,000. You'll need PAN, Aadhaar, the last three months' salary slips and bank statements, and a live selfie. B4Salary also pulls your credit report.

How do I contact B4Salary customer care or file a complaint?

Start with customer care, using the phone number and email on B4Salary's contact page, open Monday to Saturday, 10:00 AM to 6:30 PM. If it isn't fixed in seven working days, write to grievance officer Sangeeta Chauhan, then nodal officer V.K. Gupta. If there's still no fix within a month, complain to the RBI Ombudsman. Reviewers say calls often go unanswered, so complain in writing.

What can I do if B4Salary recovery agents call my family or references?

B4Salary's own Fair Practices Code says its recovery process must not involve harassment. If agents abuse you, message your references or call relatives, save screenshots and call recordings, then email the grievance officer and the nodal officer with that evidence. If they don't act within a month, complain to the RBI Ombudsman, and report threats or morphed photos to the police cyber cell.

How do I stop harassment calls from B4Salary 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@b4salary.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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88	Cash247 Meghdoot Mercantile Private Limited	3.5	₹2L	12% to 32.5% a year	Read Review
89	Udhaar Box Moneyplus Financial Services Limited	3.4	₹50,000	10.5% to 365% a year	Read Review
90	Prefr Aditya Birla Capital Finance, Poonawalla Fincorp, SMFG India Credit, Zype, MAS Financial Services	3.2	₹5L	18% – 30% p.a.	Read Review
91	SalaryMantra Bagmane Traders Private Limited	3.1	₹1.5L	Up to 35% a year	Read Review
92	SMFG India Credit SMFG India Credit Company Limited	2.6	₹10L	12.50% – 30.00% p.a.	Read Review