IDFC FIRST Bank App Reviews, Customer Care Number & Details

IDFC FIRST Bank's FIRSTmoney app loan: ₹50,000 to ₹15 lakh, rates from 9.99%

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

PRIVATE SECTOR BANKSelf-Employed OK

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

IDFC FIRST Bank's mobile banking app offers FIRSTmoney, a digital personal loan of ₹50,000 to ₹15 lakh, and the lender is the bank itself, a private sector bank on RBI's list of scheduled commercial banks. What you most need to know: 9.99% a year with no processing fee is the best case. The bank's own Play listing puts the APR at 11% to 28%, and pre-qualified offers in the same app can carry a fee of up to 3.5%. We read the bank's loan, fee, grievance and digital lending pages, its loan agreement, the Google Play listing and recent reviews, and RBI's own records. Here's what holds up as of November 2026, and where the bank's pages disagree.

Quick Facts

4.9★ · 29.7L

Play Store

₹15L

Max Loan

From 9.99% a year

Interest Rate

'In as little as 10 minutes on approval' after video KYC (product pages), subject to verification and credit assessment; the fees page also says funds are credited 'within hours'

Disbursal

9 months to 60 months

Tenure

0% to 3.5% + GST

Processing Fee

₹10,000 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 4.0/5

The bank says FIRSTmoney can pay out in as little as 10 minutes after video KYC, though its fee page also says within hours.

Interest & cost 3.5/5

FIRSTmoney starts at 9.99% with no processing or foreclosure fee, but the Play listing's APR runs to 28% and pre-qualified loans carry fees.

App experience 3.5/5

The app is rated 4.9 on Google Play, yet recent reviews flag paid EMIs shown as overdue, payment page errors and slow loan closures.

Customer support 3.0/5

There's a 24x7 phone line, WhatsApp and a three-level complaint ladder, but reviewers describe automated calls and endless sales calls.

Safety & transparency 4.0/5

It's a bank on RBI's list that names its own app, though RBI fined it in 2024 and 2025 and its pages disagree on some charges.

Loan Details & Charges

Loan Amount ₹50,000 to ₹15,00,000

Interest Rate From 9.99% a year

Tenure 9 months to 60 months

Processing Fee 0% to 3.5% + GST

Late Payment 12% p.a. (1% p.m.) or ₹300, whichever is higher, no GST (FIRSTmoney fees page and DLA page); the interest-rate page says up to 2% of the unpaid EMI and the FIRSTmoney DLA entry says up to 2.5% of the unpaid EMI

Foreclosure FIRSTmoney: nil (foreclosure needs a sanction letter); part prepayment not allowed. Pre-qualified loans: foreclosure only after 12 EMIs or 12 months, at 5% of principal outstanding; part payment up to 25% once after 12 EMIs at 5%/4%/3%. Partner-channel digital personal loans: up to 5%.

Bounce Charges 12% of the bounced EMI, minimum ₹400, maximum ₹1,000 plus GST (fees page, DLA page); interest-rate page and FIRSTmoney DLA entry say 7.5% with the same minimum and maximum; technical (mandate-rejection) bounce charged monthly from the 3rd consecutive bounce month

Eligibility Criteria

Age 21-60 years

Min Income ₹10,000 per month

CIBIL Score 710+

Employment Salaried or self-employed (freelancers and home-based businesses included per the self-employed page)

Documents No uploads: Aadhaar and PAN numbers for the application and a physical PAN card shown on the video KYC call; a bank account in your name for the payout

What It Actually Costs

Loan amount ₹1,00,000

Tenure 12 months

Monthly EMI ₹9,264

Total interest ₹11,168

Processing fee ₹3,499 including 18% GST, deducted upfront

Total repayment ₹1,11,168

This is the bank's own representative example from its Play listing: you'd receive ₹96,501, and interest plus fee comes to ₹14,667. On FIRSTmoney's best terms (9.99%, no fee) the same loan works out to an EMI of about ₹8,791 and interest of about ₹5,493.

Try the IDFC FIRST Bank EMI calculator

Pros

The lender is IDFC FIRST Bank itself, which RBI lists as a scheduled commercial bank
FIRSTmoney has no processing fee and no foreclosure charge, per the bank's fee page
Rates start at 9.99% a year on a reducing balance, over 9 to 60 months
No uploads: your Aadhaar and PAN numbers, plus your PAN card shown on a video KYC call
24x7 phone and WhatsApp help, plus a named Principal Nodal Officer for escalations

Cons

9.99% is a floor; the bank's own Play listing gives an APR range of 11% to 28%
Pre-qualified offers in the app can charge up to 3.5% plus GST and 5% to foreclose
The bank's pages disagree on the late fee, the bounce charge and the top amount
You need a CIBIL score of 710 or more, which shuts out thin or weak credit files
Many reviewers report daily loan and card sales calls, even after asking them to stop

Our Verdict

IDFC FIRST Bank is a real, regulated lender, so there's no doubt the app is genuine. RBI lists the bank among domestic private sector banks, and the bank's own digital lending disclosure names its app as the channel for FIRSTmoney. If you're salaried or self-employed with a CIBIL score of 710 or more, the headline terms are among the cleaner ones around: no processing fee, no foreclosure charge and a 3-day cooling-off window. The catch is that the app sells more than one loan. FIRSTmoney carries those zero-fee terms, but pre-qualified loans follow a separate schedule, with a fee of up to 3.5%, foreclosure at 5% and only after 12 EMIs. The bank's pages also disagree on the late fee, the bounce charge and the top loan amount, and some recent reviewers say the rate they got was far above 9.99%. Service is the weak spot. The bank's own complaint data puts recovery and sales agents at the top of its complaint list, and many app reviews describe nonstop loan calls. Accept an offer only when the KFS shows the product name, APR and fees you expected.

Who IDFC FIRST Bank suits

Salaried or self-employed borrowers aged 21 to 60 with a CIBIL score of 710 or more

IDFC FIRST Bank customers who already see a FIRSTmoney offer in the app

People who may repay early and want a loan with no foreclosure charge

Borrowers who'd rather deal with a bank than an app-only lender

Look elsewhere if

Your credit score is below 710, or you have little credit history

You need less than ₹50,000, the smallest FIRSTmoney amount

You can't stand sales calls; reviewers say they keep coming after a loan

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

Things to Watch

The bank's own FY 2025-26 complaint data puts recovery agents and direct sales agents at the top, with 30% of complaints
RBI fined the bank ₹1 crore in April 2024 over loan rules and ₹38.60 lakh in April 2025 over KYC lapses; we found no business restriction
In February 2026 the bank disclosed a fraud of about ₹590 crore in Haryana government accounts at one Chandigarh branch, saying other customers weren't affected
Late and bounce charges differ across the bank's own pages (12% a year or ₹300, up to 2%, up to 2.5% of the unpaid EMI), so only your KFS settles it
The bank warns of fake loan ads using its logo that ask for a processing fee or first EMI before payout

How to Apply for IDFC FIRST Bank

1

Get the official app

Install IDFC FIRST Bank: MobileBanking from Google Play, published by IDFC FIRST Bank Ltd., or start from the bank's own personal loan page.
2

Register and see your offer

Sign up with your mobile number and basic details. The bank checks your eligibility and shows the amount it will lend.
3

Choose amount and EMI plan

Pick the amount and tenure, then link the bank account in your name where the money should land.
4

Finish video KYC

Show your physical PAN card on the video KYC call. You don't upload any documents.
5

Read the KFS before you accept

Check whether it says FIRSTmoney or a pre-qualified loan, and note the APR, fee and foreclosure terms. You can cancel within the cooling-off window.

Documents Required

Aadhaar number

PAN number

Your physical PAN card for the video KYC call

A bank account in your name for the payout

Salary slips or bank statements, if the bank asks for income proof

What Real Users Say

Ratings read on Google Play on 4 November 2026. Signs of inorganic rating: most five-star posts are one to three words, a run of polished five-star posts uses near-identical jokey comparisons, and the bank asks some low-star reviewers with positive text for a higher rating.

The IDFC FIRST Bank app shows 4.9 stars from 29.7 lakh reviews, but it's a full banking app, so most ratings aren't about loans, and reviews that mention loans lean negative.

What users love

Happy users mention quick loan approval, a paperless process and easy loan status checks in the app, though most five-star posts are only a word or two.

Common complaints

Daily loan and card sales calls even after DND, paid EMIs shown as overdue, disputed bounce and late charges, slow NOCs after closure, automated support, and rates far above the 9.99% advertised.

How IDFC FIRST Bank Compares

vs ICICI Bank Personal Loan — Another large bank lending through its own app, so get both KFS documents and compare the APR rather than the advertised rate.

vs HDFC Insta Loan — If you bank with HDFC, set its pre-approved offer against your IDFC offer on total rupee cost, fees included.

vs Axis Bank Instant Loan — A bank-run instant loan too; check its fee and foreclosure terms against FIRSTmoney's zero charges before you choose.

How we tested

Everything here was checked in November 2026. We read IDFC FIRST Bank's personal loan, fees, interest rate, eligibility, customer care, grievance, safe banking and digital lending partner pages, its digital loan agreement and FY 2025-26 complaint data, the Google Play listing with its Data safety page and the newest Play reviews. We found the bank on RBI's list of scheduled commercial banks and read RBI's penalty notices. RBI's Digital Lending Apps directory would not load, so that check is open. We didn't take a loan.

IDFC FIRST Bank Customer Support Details

IDFC FIRST Bank handles its own loan support, so there's no separate app desk. The 1800 10 888 line and WhatsApp banking on 95555 55555 run 24x7, though the loans team keeps 9:30 am to 6 pm hours. Email banker@idfcfirstbank.com first. If there's no fix in 7 days, write to the Regional Nodal Officer at rno@idfcfirstbank.com, then to Principal Nodal Officer Vipul Raj at pno@idfcfirstbank.com.

IDFC FIRST Bank customer care number	1800 10 888
IDFC FIRST Bank WhatsApp number	9555555555
IDFC FIRST Bank customer support email ID	banker@idfcfirstbank.com
Registered lending entity	IDFC FIRST Bank Limited, a private sector bank on RBI's list of scheduled commercial banks, which lends directly
IDFC FIRST Bank grievance officer email	pno@idfcfirstbank.com

Verified from IDFC FIRST Bank'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 IDFC FIRST Bank customer care page → All lender, bank & insurer contacts →

Frequently Asked Questions

Is the IDFC FIRST Bank loan app safe and RBI registered?

Yes. The lender is IDFC FIRST Bank Limited, which RBI lists among domestic private sector banks in its list of scheduled commercial banks. Banks aren't on the NBFC register, so don't look for it there. The bank's digital lending page names its own app, IDFC FIRST Bank: MobileBanking, as the channel for FIRSTmoney. Install it only from Google Play, where the developer is IDFC FIRST Bank Ltd.

What does an IDFC FIRST Bank FIRSTmoney loan really cost?

Interest starts at 9.99% a year on a reducing balance, and FIRSTmoney charges no processing or foreclosure fee. That's the best case. The bank's Play listing gives an APR range of 11% to 28%, and its sample ₹1,00,000 loan over 12 months at 20% costs ₹14,667 in interest and fees. Pre-qualified loans can add a fee of up to 3.5% plus GST.

How much can I borrow, and for how long?

The FIRSTmoney pages say ₹50,000 to ₹15 lakh, repaid over 9 to 60 months. Other bank pages give different limits: its digital lending disclosure says up to ₹10 lakh through the app, and the Play listing says ₹20,000 to ₹40 lakh over 6 to 60 months. What you're offered depends on your credit profile, and your KFS shows the final figure.

Who is eligible, and what documents do I need?

You need to be 21 to 60 years old, salaried or self-employed, with a CIBIL score of 710 or more. The bank's eligibility page asks for a salary of ₹10,000 and above, and your age must stay within 60 by the time the loan ends. There are no uploads: keep your Aadhaar and PAN numbers ready and show your physical PAN card on video KYC.

What is the IDFC FIRST Bank customer care number for loans?

Call 1800 10 888, which the bank says runs 24x7, or message 95555 55555 on WhatsApp. You can also email banker@idfcfirstbank.com. If there's no fix within 7 days, write to the Regional Nodal Officer at rno@idfcfirstbank.com, then to Principal Nodal Officer Vipul Raj on pno@idfcfirstbank.com or 1800 209 9771. After that, the RBI Ombudsman can take your complaint.

Which other apps offer IDFC FIRST Bank personal loans?

Quite a few. The bank's digital lending page names partners such as PhonePe, Google Pay, CRED, Paytm, Groww, Navi, Angel One, ET Money, INDmoney and Paisabazaar. Its tie-ups with Ola, Flipkart, PaySense and Moneyview now cover existing loans only. Whichever app you use, IDFC FIRST Bank is the lender, but tenure and fees there can differ from FIRSTmoney.

How do I file a complaint against IDFC FIRST Bank?

Work the escalation ladder in order. First, raise the complaint with IDFC FIRST Bank support (banker@idfcfirstbank.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 pno@idfcfirstbank.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 IDFC FIRST Bank 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 (pno@idfcfirstbank.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.

Download IDFC FIRST Bank

Get instant loan in minutes

Apply Now

Play Store

Compare With

Compare Apps

IDFC FIRST Bank Tools

IDFC FIRST Bank EMI Calculator

All Loan App Reviews

See how IDFC FIRST Bank 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	IDFC FIRST Bank	4.9	₹15L	From 9.99% a year	You're here
2	Viva Money FincFriends Private Limited	4.9	₹2L	18% to 40% a year	Read Review
3	Money Bro JMJ Fintech Limited	4.9	₹50,000	18.25% to 73% a year	Read Review
4	BlinkMoney DSP Finance Private Limited	4.8	₹200L	9% to 15% a year	Read Review
5	B4Salary Kisga Leasing & Finance Private Limited	4.8	₹1L	35% to 36% a year	Read Review
6	L&T Finance (PLANET app)	4.7	₹30L	10.5% to 24% a year	Read Review
7	IIFL Finance (IIFL Finance: Gold & MSME Loan app)	4.7	₹30L	9.72% to 27% a year	Read Review
8	Capital Now Goldline Finance Private Limited (main lender; RBI Sl. No. 2684, New Delhi); the Play listing also names Anu Colonisers Limited (Sl. No. 523, New Delhi)	4.7	₹1.5L	From 18% a year	Read Review
9	Bajaj Finserv	4.6	₹55L	10.00% – 30.50% p.a.	Read Review
10	Navi	4.6	₹20L	9.90% – 29.00% p.a.	Read Review
11	InCred Finance (InCred Financial Services) InCred Financial Services Limited	4.6	₹15L	13% to 36% a year	Read Review
12	RupeeRedee Fincfriends Private Limited	4.6	₹2.5L	28% to 58% a year	Read Review
13	CredMe Exude Vincom Private Limited	4.6	₹1.5L	Up to 35% a year	Read Review
14	Branch Branch International Financial Services Private Limited (co-lending: Northern Arc Capital Limited; Vivriti Capital / Hari and Company Investments Madras Private Limited)	4.6	₹5L	12% to 66% a year	Read Review
15	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
16	FlexiLoans Business Loan	4.58	₹50L	12% – 28% p.a. (official: 'from 1%/month'; ceiling unpublished)	Read Review
17	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
18	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
19	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
20	Fibe NBFC partners	4.5	₹10L	18.00% – 36.00% p.a.	Read Review
21	Piramal Finance Piramal Finance Limited (formerly Piramal Capital & Housing Finance Limited)	4.5	₹25L	12.99% – 24.00% p.a.	Read Review
22	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
23	Buddy Loan Marketplace: lenders that confirm Buddy Loan / BValue on their own sites include InCred Financial Services, mPokket Financial Services, Poonawalla Fincorp, Respo Financial Capital and Protium Finance; Buddy Loan also lists about 40 more banks, NBFCs and loan apps	4.5	₹35L	11.99% to 57% a year	Read Review
24	SalaryOnTime Kasar Credit & Capital Private Limited, Karn Securities Private Limited	4.5	₹1L	35% to 36% a year	Read Review
25	TezCredit Finagle Financial Services Private Limited	4.5	₹2.5L	12% to 36% a year	Read Review
26	TapLend Barbarik Finco Private Limited (formerly Baba Lease and Investment Private Limited)	4.5	₹2L	24% to 36% a year	Read Review
27	CashVia Grow Money Capital Private Limited	4.5	₹2L	Not published	Read Review
28	LendingPlate Unifinz Capital India Limited (NBFC, RBI CoR 14.00233)	4.5	₹2.5L	12% – 30% p.a.	Read Review
29	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
30	LazyPay NBFC partners	4.4	₹5L	18.00% – 32.00% p.a.	Read Review
31	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
32	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
33	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
34	Tata Capital	4.4	₹35L	10.99% to 33% a year	Read Review
35	NoBroker InstaCash Kisetsu Saison Finance (India) Private Limited (Credit Saison India) and Respo Financial Capital Private Limited	4.4	₹10L	10.99% to 30% a year	Read Review
36	Muthoot FinCorp (Muthoot FinCorp ONE app) Muthoot FinCorp Limited (lends itself; Restart India Pradhan and Easy Scale Up schemes co-lent with DCB Bank, UCO Bank, Bank of Maharashtra, Axis Bank and Punjab & Sind Bank)	4.4	₹0	9.6% to 30% a year	Read Review
37	GROx (formerly MyShubhLife) UGRO Capital Limited	4.4	₹50L	18.5% to 42% a year	Read Review
38	RapidRupee Bee Pee Jay Finance Limited (group NBFC); Yuvaraj Finance Private Limited (partner)	4.4	₹20,000	12% to 36% a year	Read Review
39	PayMe ScaleUp Financial Services Private Limited (formerly PayMe India Financial Services Private Limited); also Finkurve Financial Services Limited (Arvog) and Ruloans Financial Services Private Limited	4.4	₹5L	18% to 36% a year	Read Review
40	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
41	CASHe Bhanix Finance and Investment Limited (NBFC)	4.3	₹3L	33.50% – 36.00% p.a.	Read Review
42	FlexSalary Vivifi India Finance Private Limited (RBI CoR N-09.00447)	4.3	₹3L	18.00% – 42.00% p.a.	Read Review
43	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
44	Shriram One (Shriram Finance) Shriram Finance Limited	4.3	₹10L	11% to 36% a year	Read Review
45	Mahindra Finance (Mahindra & Mahindra Financial Services) Mahindra & Mahindra Financial Services Limited	4.3	₹15L	8% to 25% a year	Read Review
46	Jupiter Amica Finance Private Limited (Jupiter's in-house NBFC) and Kisetsu Saison Finance (India) Private Limited (Credit Saison India)	4.3	₹5L	15% to 30% a year	Read Review
47	IndiaLends KrazyBee Services and EarlySalary Services (named on Play), plus Poonawalla Fincorp, L&T Finance, Akara Capital Advisors, Vivifi India Finance, InCred Financial Services, Clix Capital, SMFG India Credit, Piramal Finance, IIFL Finance, Tata Capital and others; banks such as Axis, HDFC, IndusInd and Yes Bank	4.3	₹25L	10.25% to 29.99% a year	Read Review
48	Rupee112 Aadhar India Finvest Limited	4.3	₹5L	Up to 35% a year	Read Review
49	Chinmay Finlease Chinmay Finlease Limited	4.3	₹5L	28% to 36.5% a year	Read Review
50	Bright Loans Avinash Capital Markets Private Limited	4.3	₹1.2L	35% to 487% a year	Read Review
51	BharatLoan Solomon Capital Private Limited	4.3	₹5L	35% to 365% a year	Read Review
52	My Money Bazaar Bansal In Hold Limited (also Aasra Fincorp Private Limited)	4.3	₹5L	0.077% – 0.10% a day in Play examples (28.1% – 36.5% a year); APR up to 115.03%	Read Review
53	CashPey Naman Commodities Private Limited	4.3	₹5L	18% – 36% p.a. (Play listing); APR up to 50%	Read Review
54	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
55	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
56	PayRupik Sayyam Investments Pvt. Ltd. (RBI-registered NBFC)	4.2	₹2.5L	20.00% – 36.00% p.a.	Read Review
57	Credfin Arham Finance & Investment Services Limited (the Credfin website also names Shakambari Trading Private Limited and Sanyog Finlease Private Limited)	4.2	₹2L	0% to 36% a year	Read Review
58	Oro Money Tenmark Capital Private Limited (Orocorp's own NBFC subsidiary); also Kumbhat Financial Services Limited and Sunita Finlease Limited (personal and bridge loans); gold loans also funded by The Federal Bank Limited (a bank)	4.2	₹25L	9.9% to 35% a year	Read Review
59	Kubiz Capital Kubiz Capital Private Limited	4.2	₹1L	18% to 36% a year	Read Review
60	Direct Credit Meet Finance Private Limited	4.2	₹200L	From 9.99% a year	Read Review
61	Hero FinCorp Hero FinCorp Limited (NBFC, lends directly)	4.2	₹7L	18% p.a. onwards (no published cap)	Read Review
62	Lenditt Chinmay Finlease Limited (B.01.00558) and Madhur Instalments Private Limited (B-12.00396)	4.1	₹5L	28% to 36.5% a year	Read Review
63	TrustPaisa Thanvir Bros Private Limited and Sonu Marketing Private Limited (Brahma Finance)	4.1	₹45,000	Up to 36% a year	Read Review
64	ATM Cred Swastik Finance Limited	4.1	₹1L	18% – 36% APR (Play); up to 3% per month (lender page)	Read Review
65	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
66	HDFC Bank Pre-approved Personal Loan (Insta) HDFC Bank Limited (scheduled private sector bank)	4	₹50L	9.99% – 24.00% p.a.	Read Review
67	ICICI Bank Personal Loan ICICI Bank Limited (scheduled private sector bank)	4	₹50L	9.99% – 16.50% p.a.	Read Review
68	Axis Bank Instant Loan Axis Bank Limited (scheduled private-sector bank; lends directly)	4	₹50L	9.99% – 22.00% p.a.	Read Review
69	RuleMudra Decimus Financial Limited (formerly K.C.Fincap Limited); press release also names Basel Investments Limited (not confirmed by Basel)	4	₹1L	Up to 365% a year	Read Review
70	MoneyWide MyLoanCare Ventures Private Limited	4	₹3L	16% to 36% a year	Read Review
71	KarmaLife Partner NBFCs incl. Avanti Finance, Niyogin Fintech, Bhawana Capital and Resilient Finance (BharatPe Capital); the lender for each loan is named in the app and KFS	4	₹0	17.95% to 36% a year	Read Review
72	Godrej Priority Money Godrej Finance Limited	4	₹60L	10.99% to 18% a year	Read Review
73	Fi Money Stock Guardians (India) Private Limited (Fi Loans), plus Federal Bank, IDFC FIRST Bank, Aditya Birla Capital, Earlysalary Services (Fibe), Incred Financial Services and the P2P platforms NDX P2P (LiquiLoans) and Innofin (LenDenClub)	4	₹10L	12.75% to 36% a year	Read Review
74	Chola One (Cholamandalam) Cholamandalam Investment and Finance Company Limited (lends directly; owns the app)	4	₹3L	14% to 36% a year	Read Review
75	The Zenith Loan Zenith Machinery Private Limited	4	₹1L	264% to 456% a year	Read Review
76	Snap Paisa Ampire Finance Private Limited	4	₹1L	15% to 35% a year	Read Review
77	SalariedLoan Gopi Securities Private Limited	4	₹5L	35% a year	Read Review
78	Sabka Loan Mahashakti Financiers Limited	4	₹1L	Up to 36% a year	Read Review
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	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