Fi Money App Reviews, Customer Care Number & Details

Neobank app that arranged partner loans; off Google Play and not lending as of 2026

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

FINTECHRBI Regulated

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

Fi Money was a neobank app run by Epifi Technologies that arranged personal loans of up to ₹10 lakh from regulated partners, chief among them Stock Guardians (India) Private Limited, an RBI-registered NBFC that trades as Fi Loans. The thing to know as of November 2026 is that you can't borrow through Fi any more: the app has no Google Play listing, savings accounts moved to Federal Bank's FedMobile app, and Fi Loans took its loan dashboard out of the Fi app from 30 April 2026. If you already have a Fi loan, it hasn't vanished. Your rate, tenure and EMI dates stay as agreed, and the lender now deals with you by email. We read Fi's own pages, the lender's site, RBI's lists and dated news reports to set out where things stand.

Quick Facts

₹10L

Max Loan

12.75% to 36% a year

Interest Rate

Was 5 minutes to 48 hours depending on the lender (Fi FAQ). No new loans can be taken through the Fi app as of November 2026: the app has no Google Play listing.

Disbursal

6 months to 48 months

Tenure

1% to 4% + GST

Processing Fee

₹20,000 per month

Min Income

Our Ratings

Disbursal speed 1.0/5

Fi once quoted payouts in minutes, but with the app gone from Google Play there's no way to get a new loan through it.

Interest & cost 3.0/5

Fi's pages put partner rates at 12.75% to 36% a year, though Fi Loans' own policy runs from 18% to 45% with a fee of 2% to 4%.

App experience 1.0/5

The app is no longer listed on Google Play, and the loan dashboard was taken out of it from 30 April 2026.

Customer support 2.0/5

Loan help now runs by email, Fi's grievance page is a dead link, and two lists give different grievance officer names.

Safety & transparency 2.5/5

The lenders are regulated and Fi Loans publishes its rates and complaint levels, but the shutdown left stale loan ads online.

Loan Details & Charges

Loan Amount Up to ₹10,00,000

Interest Rate 12.75% to 36% a year

Tenure 6 months to 48 months

Processing Fee 1% to 4% + GST

Late Payment Typical penal charge 2% to 4% a month on the overdue EMI (Fi's loans page); Fi Loans (Stock Guardians) policy: 0.1% per day on the overdue amount.

Foreclosure Fi's FAQ: no preclosure charge except on loans disbursed through Federal Bank; its loans page says 0% to 4% of remaining principal where a lender has a lock-in. Fi Loans (Stock Guardians): preclosure fee zero; foreclose by email.

Bounce Charges ₹300 to ₹800 per EMI bounce + GST (Fi's loans page); ₹300 excluding GST in Fi Loans' (Stock Guardians) policy.

Eligibility Criteria

Min Income ₹20,000 per month

Documents PAN, Aadhaar, debit card or net banking for the repayment mandate; income proof through account aggregator or salary slip on some profiles

What It Actually Costs

Loan amount ₹1,00,000

Tenure 12 months

Monthly EMI ₹9,168

Total interest ₹10,016

Processing fee ₹2,000 + 18% GST = ₹2,360, deducted upfront

Total repayment ₹1,10,016

Illustrative: 18% a year and a 2% fee are the lowest in Fi Loans' published rate policy, so about ₹97,640 would reach your bank. Fi isn't taking new loans as of November 2026; this shows what an existing Fi Loans loan could cost.

Try the Fi Money EMI calculator

Pros

Loans came from regulated lenders: banks like Federal Bank and IDFC FIRST, and NBFCs on RBI's list
Fi Loans, the lender most tied to the app, is Stock Guardians, an RBI-registered NBFC
Existing loans keep their rate, tenure and EMI dates, and autopay carries on as before
Fi Loans' own policy lists no preclosure fee and no documentation fee
A written complaint ladder with named officers, ending at the RBI Ombudsman

Cons

No new loans: the Fi app has no Google Play listing as of November 2026
Fi's website still promotes loans of up to ₹10 lakh, but its download link goes nowhere
Servicing is by email only now, with no app screen for statements or payments
Fi Loans' rate policy runs from 18% to 45% a year, well above Fi's 12.75% headline
Grievance officer names differ between the Fi Loans page and a lending partner's list

Our Verdict

Fi Money was a real company, and its loans came from regulated lenders. Its privacy policy names Federal Bank and IDFC FIRST Bank, NBFCs such as Aditya Birla Capital, Earlysalary Services (Fibe), InCred and Stock Guardians, and two peer-to-peer platforms, LiquiLoans and LenDenClub. Stock Guardians, which calls Fi Loans its brand, sits on RBI's NBFC list as on 30 September 2026. You can't use Fi for a new loan now, though. The app's Google Play page is gone, and the download button on Fi's site leads to store pages that don't exist. Federal Bank took the savings accounts onto its own app in March 2026, and Fi Loans says its loan dashboard left the Fi app from 30 April 2026. Fi's loan pages still talk about getting money in minutes, so read them as leftover copy, not a live offer. If you owe Fi Loans money, keep paying. Your terms don't change, autopay keeps running, and statements, part-payments and foreclosure are handled by email. If you need a new loan, choose a regulated lender that's still active and read its Key Fact Statement before you sign.

Who Fi Money suits

Existing Fi Loans borrowers who want to know their loan still runs on the same terms

Former Fi users checking which lender holds their loan before they pay or close it

Anyone who gets a call or message about a Fi loan and wants to check whether it's genuine

Look elsewhere if

You want a new personal loan: Fi isn't offering one through its app as of November 2026

You want an app to track and repay a loan; Fi's loan dashboard is gone

You want quick help by chat or phone on a loan; Fi Loans now handles most queries by email

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

Things to Watch

The Fi app is gone from Google Play and its loan dashboard was removed from 30 April 2026, so existing loans are now serviced by email only
Fi's website still advertises instant loans even though the app is gone, which can mislead borrowers and gives impersonators a ready script
Inc42 reported in February 2026 that it found no evidence of Fi holding an NBFC licence; the NBFC behind Fi Loans is Stock Guardians, and we couldn't confirm its owner from MCA records
Rates and fees on Fi's pages differ from Fi Loans' own policy, so only your loan agreement and KFS bind
LenDenClub (Innofin Solutions), one of Fi's peer-to-peer partners, was fined by RBI in August 2024 for breaking P2P and digital lending rules

How to Apply for Fi Money

1

Don't install Fi from a link

Fi has no Google Play listing now, so any Fi Money app or loan offer sent by SMS, WhatsApp or an APK link isn't a real Fi channel.
2

Find your lender

Check your loan agreement or Key Fact Statement for the lender: Fi Loans (Stock Guardians), a bank or another NBFC.
3

Contact the lender by email

For a Fi Loans loan, email the servicing team from your registered email ID to ask for a statement, a part-payment link or foreclosure.
4

Keep your autopay funded

Your e-mandate still runs. If an EMI bounces, Fi Loans says it sends a payment link by email and SMS within 24 hours.
5

For a new loan, go elsewhere

Pick an active, RBI-regulated lender and read its KFS before you accept. Fi can't take new loan applications through its app.

Documents Required

PAN card

Aadhaar

Debit card or net banking login for the repayment mandate

Income proof through the account aggregator system or salary slips, if the lender asks

What Real Users Say

Ratings read from an Internet Archive copy of the Google Play listing captured on 12 January 2026; the live listing returned a not-found page on 4 November 2026. Those ratings mostly reflect the banking app, not loans.

With the app off Google Play there are no live ratings to read. The last archived listing, from January 2026, showed 3.8 stars from 288K reviews and 10M+ downloads.

What users love

We found no dated 2026 praise. The testimonials on Fi's own site talk about the debit card, forex and rewards, not loans.

Common complaints

The newest reviews we could see, from November 2025 and January 2026, describe money stuck in the account, blocked transactions and support tickets closed without a fix.

How Fi Money Compares

vs Moneyview — Moneyview still runs its own personal loan app and was a referral partner in Fi's privacy policy, so it's a familiar next stop for salaried borrowers.

vs Navi — Navi lends through its own app, so you deal with one regulated group from application to the last EMI instead of a middle app.

vs IDFC FIRST Bank — IDFC FIRST Bank was one of Fi's lending partners; borrowing from the bank directly cuts out the app that has now shut.

How we tested

We checked in November 2026. On 4 November we read Fi's home page, loans page, contact page, terms and privacy policy, followed its app download links and opened its Google Play listing. We read the Fi Loans site run by Stock Guardians, including its FAQs, complaint levels and rate policy, and matched every lender against RBI's NBFC list as on 30 September 2026 and RBI's list of banks. RBI's Digital Lending Apps directory didn't load, MCA records weren't readable, and we didn't take a loan.

Fi Money (Epifi Technologies) Customer Support Details

Fi's app is gone from Google Play, and Fi publishes no phone line of its own, so email is now the practical route. For a Fi Loans personal loan, write from your registered email ID. Stock Guardians, the lender behind Fi Loans, lists its own support email and a phone line, 080-47485490. Federal Bank now handles savings accounts through FedMobile and its toll-free numbers. If a loan complaint stalls, go to the lender's Principal Nodal Officer, then RBI's ombudsman after 30 days.

Fi Money (Epifi Technologies) customer care number	NA
Fi Money (Epifi Technologies) WhatsApp number	NA
Fi Money (Epifi Technologies) customer support email ID	help@fi.care
Registered lending entity	Stock Guardians (India) Private Limited, trading as Fi Loans (RBI-registered NBFC), and partner lenders including Federal Bank and IDFC FIRST Bank; Epifi Technologies Private Limited ran the Fi app
Fi Money (Epifi Technologies) grievance officer email	grievanceofficer@fi.care

Verified from Fi Money (Epifi Technologies)'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 Fi Money customer care page → All lender, bank & insurer contacts →

Frequently Asked Questions

Is Fi Money safe and RBI registered?

Fi Money itself isn't a bank or an NBFC. Epifi Technologies ran the app as a lending service provider, and loans came from regulated partners such as Federal Bank, IDFC FIRST Bank and Stock Guardians (India) Private Limited, which trades as Fi Loans and is on RBI's NBFC list as on 30 September 2026. As of November 2026, though, the app is off Google Play and isn't taking new loans.

What did a Fi Money loan really cost?

Fi's loans page says partner rates start at 12.75% a year and usually run from 12% to 36%, with processing fees of 1% to 4%. Fi Loans' own policy is higher: 18% to 45% a year, a 2% to 4% fee plus taxes, and penal charges of 0.1% a day on overdue amounts. Your loan agreement shows the rate you actually got.

How much could you borrow through Fi, and for how long?

Fi said users could get up to ₹10 lakh, with pre-approved loans repaid over 6 months to 4 years, and it set a minimum income of ₹20,000 a month. Fi Loans' rate policy covers loans of 1 to 60 months. None of this helps a new borrower now, because you can't apply through the Fi app as of November 2026.

What documents and eligibility did Fi ask for?

Fi listed a PAN, Aadhaar and a debit card or net banking login to set up the repayment mandate. On some profiles the lender also checked income through the account aggregator system or salary slips. The minimum income was ₹20,000 a month. Fi's loans page didn't publish an age range or a minimum credit score.

How do I contact Fi Money customer care about my loan?

For a Fi Loans loan, email Fi's grievance officer address from your registered email ID; that inbox handles statements, queries and foreclosure. Stock Guardians, the lender, also lists a support email and a Mumbai number for part-payments and second-level complaints. If that fails, write to its Principal Nodal Officer, and after 30 days complain to the RBI Ombudsman.

Is Fi Money shutting down?

Fi ended banking on its app in March 2026, and Federal Bank savings accounts now run through the FedMobile app. Its Google Play listing is gone, and Fi Loans took the loan dashboard out of the app from 30 April 2026. News reports say the company is moving into AI work for businesses. Existing loans carry on under their original terms.

How do I file a complaint against Fi Money?

Work the escalation ladder in order. First, raise the complaint with Fi Money support (help@fi.care) 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 grievanceofficer@fi.care. 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 Fi 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 (grievanceofficer@fi.care), 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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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	Read Review
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