IndiaLends App Reviews, Customer Care Number & Details

Loan marketplace run by GC Web Ventures; offers come from RBI-registered banks and NBFCs

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

FINTECHRBI RegulatedSelf-Employed OK

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

IndiaLends is a loan and credit card marketplace run by GC Web Ventures Private Limited, and it doesn't lend money itself. Your loan comes from whichever bank or NBFC approves you, such as KrazyBee Services or EarlySalary Services, so that lender sets the rate, fees and terms, and its Key Fact Statement is the document to read. We read IndiaLends' terms, privacy policy, grievance pages and Google Play listing, checked its named partners in RBI's NBFC list and looked for IndiaLends on the lenders' own partner pages. We also went through several hundred recent Play reviews. Here's what that shows as of November 2026.

Quick Facts

4.3★ · 84.7K

Play Store

₹25L

Max Loan

10.25% to 29.99% a year

Interest Rate

IndiaLends says approved loans are credited within 24 hours (24 to 48 hours in its FAQ; approval from minutes to 48 hours). The lender controls timing; recent reviews describe rejections after documents.

Disbursal

6 months to 60 months

Tenure

1.5% to 6% + 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 3.0/5

IndiaLends says approved loans reach your bank within 24 hours, but the lender controls timing and many reviewers describe rejections at the last step.

Interest & cost 3.0/5

Published APRs of 10.25% to 25% are fair for bank and NBFC loans, but fees of up to 6% and a 29.99% website ceiling make the range wide.

App experience 3.0/5

The app rates 4.3 and the free credit report is easy to use, yet recent reviews describe pre-approved offers that vanish when you apply.

Customer support 2.5/5

A three-level complaint ladder with named staff is published, but review replies are templates and four different phone numbers appear across its pages.

Safety & transparency 3.5/5

Partners are RBI-registered and several confirm IndiaLends on their own pages, while data sharing for marketing and the DND clause cost points.

Loan Details & Charges

Loan Amount ₹10,000 to ₹25,00,000

Interest Rate 10.25% to 29.99% a year

Tenure 6 months to 60 months

Processing Fee 1.5% to 6% + GST

Late Payment Set by the lender; the Play listing says additional or penal charges may apply for delay or non-payment depending on the lender's policy. No figure published by IndiaLends.

Foreclosure Set by the lender; IndiaLends says pre-payment is usually allowed after 12 months and a pre-payment fee may be levied. No figure published by IndiaLends.

Eligibility Criteria

Age 18-60 years

Min Income ₹10,000 per month

Employment salaried (6/12 months in job), self-employed (3 years in business)

Documents PAN, proof of identity and address (Aadhaar or similar), salary slips, bank statements; self-employed add last 3 years' ITR; selfie for KYC

What It Actually Costs

Loan amount ₹1,00,000

Tenure 24 months

Monthly EMI ₹5,337

Total interest ₹28,092

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

Total repayment ₹1,28,092

Illustrative: 25% is the top of the APR range on IndiaLends' Play listing, used here as the rate, and 2% is the fee in its own example, so about ₹97,640 reaches your bank. The lender that approves you sets the real rate and fee in its KFS.

Try the IndiaLends EMI calculator

Pros

Partners are RBI-registered NBFCs and banks, and several name IndiaLends on their own disclosure pages
One application shows offers from many lenders, from ₹10,000 up to ₹25 lakh on its Play listing
IndiaLends says it charges borrowers no fee and asks users to report anyone demanding money in its name
A published three-level complaint route with a named supervisor and grievance officer
Free credit report, with no impact on your credit score, before you apply anywhere

Cons

It doesn't lend, so the rate, fees and terms change with whichever lender approves you
Published prices disagree: APR up to 25% on Play, interest up to 29.99% on its own website
Processing fees can range from 1.5% to 6% of the loan, depending on the lender
Sign-up consent covers calls, SMS and WhatsApp from it and partner lenders, even on DND
Contact details differ, with four phone numbers across its own pages, Play and lender documents

Our Verdict

IndiaLends is a real, long-running marketplace, not a lender. GC Web Ventures was incorporated in 2013, and its partners are RBI-registered NBFCs and banks. Several of them, including KrazyBee Services, EarlySalary Services, Poonawalla Fincorp, L&T Finance, Akara Capital and Vivifi, name IndiaLends on their own partner disclosures. That's the check that matters most, and it holds up. Price is set by whoever lends. IndiaLends' Play listing gives APRs of 10.25% to 25% and fees of 1.5% to 6%, while its website quotes interest up to 29.99%. Its lender list also mixes real lenders with other loan apps, and Tata Capital's current partner list doesn't name IndiaLends at all. So only the lender's KFS tells you what you'll pay. The biggest drawback is contact. Its terms let it and its partners call and message you even if you're on the DND list, and ask DND users not to complain. Recent reviews describe dozens of calls a day, pre-approved offers that end in rejection and claimed ₹199 charges. IndiaLends says it charges borrowers nothing. Use it to compare, then deal with the named lender.

Who IndiaLends suits

Salaried or self-employed borrowers with a good credit score who want several offers at once

People who will check the lender's name and KFS before accepting any offer

Anyone who also wants a free credit report and score tracking

Look elsewhere if

You don't want calls, SMS and WhatsApp messages from several lenders after signing up

You already know which bank or NBFC you want, since applying direct skips the middle step

You want a fixed price before sharing your data, as IndiaLends can't quote until a lender decides

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

Things to Watch

Its terms ask users on the DND register not to complain about its calls, and reviews describe dozens of calls a day
Play's Data safety says photos, files and personal details may be shared with third parties for advertising or marketing
Several reviewers say they paid ₹199 or similar sums and got no loan, while IndiaLends says it charges no fee
Its lender list mixes NBFCs and banks with other loan apps and a P2P platform, and Tata Capital's September 2026 partner list omits IndiaLends
Website copy calls IndiaLends the largest online personal loan provider, though its own terms say it grants no loans

How to Apply for IndiaLends

1

Sign up with your mobile number

Install IndiaLends from Google Play or open its website, enter your mobile number and verify the OTP.
2

Share details and consent

Add your PAN, income and job details. You authorise IndiaLends to pull your credit report and share your data with partner lenders.
3

Pick an offer and note the lender

Compare the offers shown and write down the lender's name. IndiaLends may pass you to that lender's own app or website.
4

Finish with the lender

Complete KYC and documents with the lender, then read its Key Fact Statement for the APR and fees before you accept.

Documents Required

PAN card

Proof of identity and address, such as Aadhaar

Salary slips, or the last 3 years' ITR if self-employed

Recent bank statements

A selfie for the lender's KYC

What Real Users Say

Read on Google Play in November 2026. In our sample of the newest reviews, most five-star posts were three words or fewer, they arrived in bursts on single days, and one long paragraph appeared word for word under several names.

IndiaLends shows 4.3 stars from about 84.7K reviews and 50L+ downloads, but the newest reviews split between one-word praise and angry complaints.

What users love

Happy users say the credit score check is simple and some say a loan arrived quickly, though most five-star posts are just a word or two.

Common complaints

Pre-approved offers that end in rejection, repeated calls, SMS and WhatsApp messages, being pushed to other loan apps, app errors, and claims of ₹199 charges with no loan.

How IndiaLends Compares

vs L&T Finance — L&T Finance is one of IndiaLends' own partners, so applying directly gets you the same lender without the extra calls.

vs IDFC FIRST Bank — A bank personal loan in a similar range is worth a direct quote if your credit score is strong.

vs KreditBee — KrazyBee Services, the NBFC behind KreditBee, is a named IndiaLends lender, so its own app is the direct route.

How we tested

In early November 2026 we read IndiaLends' website, terms, privacy, grievance and lender pages, its latest posted annual return, its Google Play listing and Data safety page, and several hundred of the newest Play reviews. We checked named partners in RBI's NBFC list as on 30 September 2026 and searched lender disclosure pages for IndiaLends. Everything here was checked in November 2026. RBI's Digital Lending Apps directory didn't load, and we did not apply for a loan.

IndiaLends (GC Web Ventures) Customer Support Details

IndiaLends handles help by email and a Gurugram landline, and it promises a first reply within 72 working hours. If nothing moves, email the supervisor, then grievance officer Yojana Kumari after 7 days. Its pages list different phone numbers, so use the one on its Grievance Redressal Process page. Problems with an actual loan go to the lender named on your agreement, not to IndiaLends.

IndiaLends (GC Web Ventures) customer care number	0124-6983600
IndiaLends (GC Web Ventures) WhatsApp number	NA
IndiaLends (GC Web Ventures) customer support email ID	support@indialends.com
Registered lending entity	KrazyBee Services, EarlySalary Services, Poonawalla Fincorp, L&T Finance, Akara Capital Advisors and Vivifi India Finance, among others (RBI-registered NBFCs that name IndiaLends); GC Web Ventures Private Limited runs IndiaLends as a marketplace and does not lend
IndiaLends (GC Web Ventures) grievance officer email	grievance@indialends.com

Verified from IndiaLends (GC Web Ventures)'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 IndiaLends customer care page → All lender, bank & insurer contacts →

Frequently Asked Questions

Is IndiaLends safe and RBI registered?

IndiaLends itself isn't RBI registered, and its terms say it's a marketplace, not a lender. GC Web Ventures Private Limited runs it and passes your application to partners such as KrazyBee Services, EarlySalary Services, Poonawalla Fincorp and L&T Finance, which are on RBI's NBFC list and name IndiaLends on their own pages. Check the lender named on your Key Fact Statement before you accept.

What does a loan through IndiaLends really cost?

It depends on the lender that approves you. IndiaLends' Play listing gives APRs of 10.25% to 25% and processing fees of 1.5% to 6%, while its website quotes interest of 10.25% to 29.99%. Its own Play example, ₹5 lakh over 60 months at 25%, has an EMI of ₹14,676 and a total cost of ₹8,91,090 including the principal.

How much can I borrow through IndiaLends and for how long?

Its Play listing offers personal loans up to ₹25 lakh over 6 to 60 months, and its website says loans start from ₹10,000. Other pages differ: the FAQ page says from ₹25,000 for 1 to 5 years, and one answer claims up to ₹70 lakh. The amount and tenure you actually get are set by the lender, so go by its offer.

Who is eligible for IndiaLends and what documents do I need?

The Play listing asks for age 18 to 60, salaried or self-employed, and net income of at least ₹10,000 a month. Its website says lenders typically want age 21 to 65, ₹20,000 a month and a credit score of 720 or more. Keep your PAN, ID and address proof, salary slips or 3 years' ITR, and bank statements ready.

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

Start with IndiaLends' support email or customer care line, which promises a reply within 72 working hours. If that fails, email the supervisor, Rohit Chhoker, then grievance officer Yojana Kumari if it isn't fixed within 7 days. Problems with the loan itself belong with the lender named in your agreement, and after 30 days you can take a lender complaint to the RBI Ombudsman.

Why do I get so many calls and messages from IndiaLends?

When you sign up, you agree to calls, SMS, WhatsApp and AI-based calls from IndiaLends and its partner banks and NBFCs, and that consent overrides the DND list. Several reviewers report dozens of calls a day. You can withdraw consent and ask for your data to be deleted through IndiaLends' consent withdrawal page or by writing to its support email.

How do I stop harassment calls from IndiaLends 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@indialends.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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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