KredTap App Reviews, Customer Care Number & Details

Loan app (LSP) by Codebrew Innovations; loans from RBI-registered NBFC Salora Capital

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

KredTap is a personal loan app run by Codebrew Innovations Private Limited, a Chandigarh company that works only as a lending service provider. The money comes from Salora Capital Limited, an NBFC on RBI's register, and the one thing to know first is that KredTap's Play listing and its website quote different terms, so only your Key Fact Statement shows the real deal. The website offers ₹10,000 to ₹1,00,000 over 3 to 6 months, with interest from 24% a year and a 2% to 10% processing fee plus GST. The Play listing says ₹5,000 to ₹50,000, rates of 12% to 32.5% and an APR of up to 78%. The app went live in May 2026 and, as of October 2026, shows 4.0 stars on Google Play.

Quick Facts

4.0★ · 259

Play Store

₹1L

Max Loan

12% to 32.5% a year

Interest Rate

Play listing claims the loan journey takes 9 minutes; not verified

Disbursal

3 months to 6 months

Tenure

2% to 10% + GST

Processing Fee

₹20,000 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

KredTap claims a 9-minute loan journey and some reviewers got money within 15 minutes, but many others get stuck at Aadhaar or DigiLocker checks.

Interest & cost 2.0/5

Interest from 24% a year looks moderate, but a fee of up to 10% plus GST and an APR ceiling of 78% make short loans costly.

App experience 2.0/5

The journey is fully digital, yet recent reviews describe failed KYC, paused applications and a repayment that couldn't be made in the app.

Customer support 2.0/5

Named grievance officers are published, but the website and Play listing give different phone numbers and emails, and complaint replies are templated.

Safety & transparency 2.0/5

The lender is RBI-registered and lists KredTap as a partner, but clashing terms, a Data safety page at odds with the privacy policy and an unconfirmed DLA listing pull it down.

Loan Details & Charges

Loan Amount ₹5,000 to ₹1,00,000

Interest Rate 12% to 32.5% a year

Tenure 3 months to 6 months

Processing Fee 2% to 10% + GST

Late Payment Website: as per your KFS. Play listing: penal charge of 36% a year on principal overdue from day 2 to day 180 (plus GST if applicable). The lender's own personal loan schedule instead lists a flat monthly penal charge by overdue amount, from ₹100 (overdue ₹101 to ₹1,000) to ₹2,500 (overdue above ₹30,000).

Foreclosure Play listing: 4% of principal outstanding plus GST (part-prepayment also 4% plus GST). Salora Capital's personal loan page says prepayment charges are nil and its schedule says 'as per actual'.

Bounce Charges Play listing: 4% of principal overdue or ₹500, whichever is lower, on the first day. Salora Capital's own schedule says ₹650 per bounce.

Eligibility Criteria

Age 18+ years

Min Income ₹20,000 per month

Employment Salaried with permanent or regular status and 2+ months in the current job (Play listing); the website also accepts self-employed

Documents PAN (number only, per website), Aadhaar with mobile linked for OTP, selfie, bank account with UPI; the Play listing adds address proof, bank statement, employment proof (salary slip, office ID or UAN), a reference contact and an eNACH or UPI e-mandate

What It Actually Costs

Loan amount ₹50,000

Tenure 6 months

Monthly EMI ₹8,926

Total interest ₹3,558

Processing fee ₹1,180 (₹1,000 fee plus ₹180 GST), deducted upfront

Total repayment ₹53,558

Illustrative, using KredTap's own website example: 24% a year on a reducing balance over six EMIs, with the 2% fee and GST taken upfront, so ₹48,820 reaches your account. At the top 10% fee plus GST, the same loan would leave you only ₹44,100.

Try the KredTap EMI calculator

Pros

Lender Salora Capital is on RBI's NBFC register as on 30 September 2026
Salora Capital's own website lists KredTap as one of its lending service partners
The website shows a worked example with the fee, GST, EMI and total repayment
Reducing-balance interest from 24% a year on the website, with EMIs collected by UPI AutoPay
Grievance officers for both KredTap and the lender are named, with direct phone numbers

Cons

Play listing and website disagree on amount, tenure, interest, income rules and lenders
Processing fee of up to 10% plus GST comes off the loan before the money reaches you
The Play listing allows an APR of up to 78%
Short terms mean big EMIs: ₹8,926 a month on the website's ₹50,000 example
Many recent reviews report failed KYC checks and rejections after sharing personal data

Our Verdict

KredTap isn't a faceless app. Its operator publishes a company number and address, and its main lender, Salora Capital Limited, is on RBI's NBFC register as on 30 September 2026. Salora's own website lists KredTap among its lending service partners, which is the two-way link you want to see. Capital Trade Links, the second NBFC named on KredTap's website, is registered too and links to KredTap from its homepage. The problem is consistency. The website and the Play listing disagree on loan size, tenure, interest, income rules and even which lenders are involved. The Play listing's sample loan is ₹2,00,000 for 3 years, well above its own ₹50,000 cap, and its sums don't add up. Google Play's Data safety page says the app collects no data, while the privacy policy says it reads your transactional SMS, even when the app is closed. On the website's own example the price is in line with other small-loan apps: ₹50,000 at 24% over 6 months puts ₹48,820 in your account and costs ₹53,558 to repay. A 10% fee would make that much dearer. If you apply, treat the KFS as the only truth, never pay anything before the money arrives, and look at a longer-running regulated app first.

Who KredTap suits

Salaried borrowers who need a small sum and can clear it within a few months

People who will read the KFS line by line and walk away if it doesn't match

Borrowers comfortable with EMIs collected by UPI AutoPay

Look elsewhere if

You want one clear, consistent set of terms before you share your PAN and Aadhaar

You need a longer repayment period to keep each EMI small

You don't want an app reading your SMS for its credit checks

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

Things to Watch

Google Play's Data safety page says no data is collected, yet the privacy policy says the app reads transactional SMS even when it's closed
The Play listing's sample loan is ₹2,00,000 for 3 years, above its own ₹50,000 cap, and its EMI, interest and fee figures don't reconcile
Several one-star reviews say the app only collected data, and one alleges money was taken before a loan was rejected
The website and Play listing give different phone numbers, emails and office addresses for the same company
We couldn't confirm the app in RBI's Digital Lending Apps directory, which didn't load

How to Apply for KredTap

1

Pick the right app

Install Kredtap on Google Play and check that the developer shows as Codebrew Innovations Private Limited. On an iPhone, use the website instead.
2

Sign in and share basic details

Verify your mobile number with a one-time code and add details about yourself and your job or business.
3

Complete KYC

Enter your PAN, verify Aadhaar by OTP and take a selfie. The app may also ask for a bank statement, employment proof and a reference contact.
4

Read the KFS before you accept

Check which NBFC is lending, the amount you'll actually receive, the fee, the APR, every EMI date and the total repayment. If anything differs from what you were shown, stop.
5

Set up AutoPay and e-sign

Check the AutoPay mandate amount and end date, then e-sign. The lender sends the money to your bank account. Never pay any fee before disbursal.

Documents Required

PAN (the website asks for the number only)

Aadhaar, with your mobile number linked for OTP

A selfie taken in the app

A bank account with UPI in your own name

Bank statement and salary slip, office ID or UAN, if the app asks

What Real Users Say

Play shows 4.0 stars from 259 reviews and 50K+ downloads as of October 2026. The app was released on 27 May 2026, so the score rests on a short history, and one reviewer name appears on more than one five-star review.

Recent Play reviews are split. Short five-star notes praise speed and an easy process, while a steady run of one-star reviews from August to October 2026 call it a data-collection app that rejects applicants.

What users love

Happy borrowers say approval took minutes and the money followed soon after, one within 15 minutes, and that the steps are simple. Even one five-star reviewer says the interest charged is too heavy.

Common complaints

The main themes are Aadhaar or DigiLocker checks that keep failing, PAN and Aadhaar mismatch errors, loans rejected after users shared their data, a borrower who couldn't repay through the app, and charges that felt too high. One reviewer alleges money was taken before the loan was rejected, which we couldn't verify.

How KredTap Compares

vs KreditBee — A far longer track record and regulated lending, a safer first stop than a newly launched app for a similar small loan.

vs Moneyview — Also lends through regulated partners, with longer repayment options that keep EMIs lower than KredTap's short terms.

vs True Balance — Serves similar small-ticket borrowers through its own regulated lending arm and has been on Play far longer.

How we tested

On 30 October 2026 we read KredTap's Google Play listing, its Data safety page and the newest dated reviews from June to October 2026, plus the website's pricing, eligibility, terms, privacy, grievance and contact pages. We checked Salora Capital's and Capital Trade Links' own websites and matched both against an Internet Archive copy of RBI's NBFC register as on 30 September 2026. RBI's Digital Lending Apps directory and cancelled-registration list wouldn't load, we didn't check company records, and we didn't take a loan.

KredTap Customer Support Details

KredTap is run by Codebrew Innovations. The loans come from Salora Capital, an RBI-registered NBFC, and the KredTap website also names Capital Trade Links. Support works Monday to Saturday, 10 am to 7 pm. The Play listing gives other contacts, contact@kredtap.com and +91 63879 16163. To escalate, write to grievance officer Prince (+91 7381293727), who should reply within 30 working days. Next, write to Salora's grievance officer Mr. Himanshu Singh (+91 9289119401, grievance@saloracapital.com). Never pay any fee to get a loan approved. The same +91 9818139887 also appears on the Udhaar Box site, a different company, so confirm the number inside the KredTap app before you call.

KredTap customer care number	+91 9818139887
KredTap WhatsApp number	NA
KredTap customer support email ID	help@kredtap.com
Registered lending entity	Salora Capital Limited (RBI-registered NBFC), plus Capital Trade Links Limited as named on the KredTap website; Codebrew Innovations Private Limited runs the app
KredTap grievance officer email	grievance@kredtap.com

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

Frequently Asked Questions

Is KredTap safe and RBI registered?

KredTap itself isn't an NBFC. It's a lending service provider run by Codebrew Innovations Private Limited, and its loans come from Salora Capital Limited, which is on RBI's NBFC register as on 30 September 2026. Salora also lists KredTap as a partner on its own website. We couldn't open RBI's Digital Lending Apps directory, and KredTap's pages contradict each other, so check the lender named in your KFS before signing.

What does a KredTap loan really cost?

The website says interest starts at 24% a year on a reducing balance, with a processing fee of 2% to 10% plus 18% GST taken upfront. The Play listing quotes 12% to 32.5% a year and an APR of up to 78%. On the website's own example, ₹50,000 for 6 months at 24% with a 2% fee, you receive ₹48,820 and repay ₹53,558 in total.

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

It depends which KredTap page you read. The website says ₹10,000 to ₹1,00,000 over 3 to 6 months. The Play listing says ₹5,000 to ₹50,000 over 3 to 60 months, yet its own example is a ₹2,00,000 loan for 3 years. Salora Capital's own personal loan page caps tenure at 24 months. Go by the sanction letter and KFS, not the ads.

Who can get a KredTap loan, and what documents are needed?

You must be an Indian resident aged 18 or above. The website asks for ₹10,000 or more a month, salaried or self-employed, while the Play listing wants ₹20,000 of personal income, a permanent salaried job and at least 2 months with your employer. Keep your PAN, Aadhaar with a linked mobile, a selfie and a UPI bank account ready, plus a bank statement if asked.

How do I contact KredTap customer care or complain?

Write to help@kredtap.com or call +91 9818139887. For complaints, KredTap's grievance officer, Prince, is at grievance@kredtap.com and +91 7381293727. The lender's officer, Mr. Himanshu Singh, is at grievance@saloracapital.com and +91 9289119401. The Play listing shows a different number, +91 63879 16163, so prefer the contacts in your loan agreement. If nothing's fixed in 30 days, go to the RBI Integrated Ombudsman.

Is KredTap a fake loan app?

It isn't anonymous. The operator, the lender and the lender's own partner page all line up, and Salora Capital is on RBI's register. Still, many recent one-star reviews say the app collected data and then rejected them, and one alleges money was taken before rejection. KredTap's own example takes the fee out of the loan amount, so never pay anything upfront, and report any such demand.

How do I file a complaint against KredTap?

Work the escalation ladder in order. First, raise the complaint with KredTap support (help@kredtap.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 grievance@kredtap.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 KredTap 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@kredtap.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 KredTap

Get instant loan in minutes

Apply Now

Play Store

Compare With

Compare Apps

KredTap Tools

KredTap EMI Calculator

All Loan App Reviews

See how KredTap 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	Viva Money FincFriends Private Limited	4.9	₹2L	18% to 40% a year	Read Review
2	Money Bro JMJ Fintech Limited	4.9	₹50,000	18.25% to 73% a year	Read Review
3	B4Salary Kisga Leasing & Finance Private Limited	4.8	₹1L	35% to 36% a year	Read Review
4	Bajaj Finserv	4.6	₹55L	10.00% – 30.50% p.a.	Read Review
5	Navi	4.6	₹20L	9.90% – 29.00% p.a.	Read Review
6	RupeeRedee Fincfriends Private Limited	4.6	₹2.5L	28% to 58% a year	Read Review
7	CredMe Exude Vincom Private Limited	4.6	₹1.5L	Up to 35% a year	Read Review
8	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
9	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
10	FlexiLoans Business Loan	4.58	₹50L	12% – 28% p.a. (official: 'from 1%/month'; ceiling unpublished)	Read Review
11	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
12	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
13	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
14	Fibe NBFC partners	4.5	₹10L	18.00% – 36.00% p.a.	Read Review
15	Piramal Finance Piramal Finance Limited (formerly Piramal Capital & Housing Finance Limited)	4.5	₹25L	12.99% – 24.00% p.a.	Read Review
16	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
17	SalaryOnTime Kasar Credit & Capital Private Limited, Karn Securities Private Limited	4.5	₹1L	35% to 36% a year	Read Review
18	TezCredit Finagle Financial Services Private Limited	4.5	₹2.5L	12% to 36% a year	Read Review
19	TapLend Barbarik Finco Private Limited (formerly Baba Lease and Investment Private Limited)	4.5	₹2L	24% to 36% a year	Read Review
20	CashVia Grow Money Capital Private Limited	4.5	₹2L	Not published	Read Review
21	LendingPlate Unifinz Capital India Limited (NBFC, RBI CoR 14.00233)	4.5	₹2.5L	12% – 30% p.a.	Read Review
22	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
23	LazyPay NBFC partners	4.4	₹5L	18.00% – 32.00% p.a.	Read Review
24	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
25	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
26	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
27	RapidRupee Bee Pee Jay Finance Limited (group NBFC); Yuvaraj Finance Private Limited (partner)	4.4	₹20,000	12% to 36% a year	Read Review
28	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
29	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
30	CASHe Bhanix Finance and Investment Limited (NBFC)	4.3	₹3L	33.50% – 36.00% p.a.	Read Review
31	FlexSalary Vivifi India Finance Private Limited (RBI CoR N-09.00447)	4.3	₹3L	18.00% – 42.00% p.a.	Read Review
32	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
33	Rupee112 Aadhar India Finvest Limited	4.3	₹5L	Up to 35% a year	Read Review
34	Chinmay Finlease Chinmay Finlease Limited	4.3	₹5L	28% to 36.5% a year	Read Review
35	Bright Loans Avinash Capital Markets Private Limited	4.3	₹1.2L	35% to 487% a year	Read Review
36	BharatLoan Solomon Capital Private Limited	4.3	₹5L	35% to 365% a year	Read Review
37	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
38	CashPey Naman Commodities Private Limited	4.3	₹5L	18% – 36% p.a. (Play listing); APR up to 50%	Read Review
39	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
40	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
41	PayRupik Sayyam Investments Pvt. Ltd. (RBI-registered NBFC)	4.2	₹2.5L	20.00% – 36.00% p.a.	Read Review
42	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
43	Kubiz Capital Kubiz Capital Private Limited	4.2	₹1L	18% to 36% a year	Read Review
44	Direct Credit Meet Finance Private Limited	4.2	₹200L	From 9.99% a year	Read Review
45	Hero FinCorp Hero FinCorp Limited (NBFC, lends directly)	4.2	₹7L	18% p.a. onwards (no published cap)	Read Review
46	TrustPaisa Thanvir Bros Private Limited and Sonu Marketing Private Limited (Brahma Finance)	4.1	₹45,000	Up to 36% a year	Read Review
47	ATM Cred Swastik Finance Limited	4.1	₹1L	18% – 36% APR (Play); up to 3% per month (lender page)	Read Review
48	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
49	HDFC Bank Pre-approved Personal Loan (Insta) HDFC Bank Limited (scheduled private sector bank)	4	₹50L	9.99% – 24.00% p.a.	Read Review
50	ICICI Bank Personal Loan ICICI Bank Limited (scheduled private sector bank)	4	₹50L	9.99% – 16.50% p.a.	Read Review
51	Axis Bank Instant Loan Axis Bank Limited (scheduled private-sector bank; lends directly)	4	₹50L	9.99% – 22.00% p.a.	Read Review
52	The Zenith Loan Zenith Machinery Private Limited	4	₹1L	264% to 456% a year	Read Review
53	Snap Paisa Ampire Finance Private Limited	4	₹1L	15% to 35% a year	Read Review
54	SalariedLoan Gopi Securities Private Limited	4	₹5L	35% a year	Read Review
55	Sabka Loan Mahashakti Financiers Limited	4	₹1L	Up to 36% a year	Read Review
56	RupeeGo Salora Capital Limited	4	₹5L	Up to 36% a year	Read Review
57	Paisa Daily Ready Leasings Private Limited	4	₹50,000	365% a year	Read Review
58	PaisaBoxx Sawalsha Leasing & Finance Private Limited	4	₹1L	Not published	Read Review
59	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
60	Money Finserve Gopi Securities Private Limited	4	₹5L	35% a year	Read Review
61	KredTap Salora Capital Limited (the website also names Capital Trade Links Limited)	4	₹1L	12% to 32.5% a year	You're here
62	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
63	Fundo Baba U.Y. Fincorp Limited	4	₹1L	182.5% to 365% a year	Read Review
64	CashToYou Mount Shikhar Financial Services Limited, Savantika Vanijya Private Limited	4	₹40,000	0% to 73% a year	Read Review
65	Apollo Finvest Apollo Finvest (India) Limited	4	₹50,000	Not published	Read Review
66	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
67	DhanCash Ind Global Securities Limited	4	₹1L	0.4% – 1.1% per day (146% – 401.5% a year)	Read Review
68	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
69	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
70	FatakPay FDPL Finance Private Limited (wholly-owned RBI-registered NBFC subsidiary, sole lender)	4	₹5L	18% – 40% p.a.	Read Review
71	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
72	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
73	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
74	Unity SFB Personal Loan Unity Small Finance Bank Limited (bank, lends on own book)	4	₹5L	16% – 30% p.a.	Read Review
75	Zype Respo Financial Capital Private Limited	4	₹5L	18% – 34% p.a.	Read Review
76	True Fund	4	₹0	Not disclosed	Read Review
77	Tap4Credit	4	₹0	Not disclosed	Read Review
78	Poonawalla Fincorp	4	₹5L	16% p.a. onwards (no published cap)	Read Review
79	PayTrust	4	₹0	Not disclosed	Read Review
80	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
81	DMI Finance	4	₹10L	13.99% – 24.90% p.a.	Read Review
82	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
83	Chintamani Finlease Chintamani Finlease Limited	3.8	₹3L	Up to 26% a year	Read Review
84	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
85	AbhiCash C.N.M.P. Investments Private Limited	3.6	₹2L	14% to 36% a year	Read Review
86	Omozing Aparampaar Finance Private Limited	3.5	₹25L	11% to 59% a year	Read Review
87	Instant Mudra Chintamani Finlease Limited	3.5	₹30,000	Up to 66% a year	Read Review
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