Lendingkart App Reviews, Customer Care Number & Details

RBI-registered NBFC's MSME loan app: ₹1 lakh to ₹50 lakh at 13.5% to 35% a year

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

NBFCRBI RegulatedSelf-Employed OK

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

Lendingkart is a business-loan app for small firms and self-employed owners, and the money comes from Lendingkart Finance Limited, the group's own NBFC on RBI's register. What you most need to know is that the price swings widely: the published band runs from 13.5% to 35% a year, and fees come out of the loan before it reaches you. The website offers unsecured loans of ₹1,00,000 to ₹50,00,000 over 1 to 3 years, with no foreclosure charge once the first EMI is paid. The Play listing quotes ₹50 thousand to ₹2 crore over 6 to 36 months instead. We tested those terms against Lendingkart's own charge schedule, RBI's register and recent Play reviews, as of November 2026.

Quick Facts

3.5★ · 23.6K

Play Store

₹50L

Max Loan

13.5% to 35% a year

Interest Rate

Within 3 working days of approval, as published (no faster time promised)

Disbursal

12 months to 36 months

Tenure

Up to 3% + GST

Processing Fee

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

Lendingkart says money arrives within 3 working days of approval, but reviewers describe rejections after documents were taken and 'pre-approved' top-ups that still needed papers.

Interest & cost 2.5/5

A 13.5% to 35% band plus a fee of up to 3% and GST, a ₹1,200 documentation charge and optional insurance, and the Play example works out well above its stated APR.

App experience 2.5/5

The app holds 3.5 stars from 23.6K reviews, and recent ones report login loops, crashes and statements that never arrive.

Customer support 2.5/5

A toll-free line, WhatsApp and a four-level ladder with named officers, yet reviewers say NOCs and closure letters take months and messages go unanswered.

Safety & transparency 4.0/5

A Middle Layer NBFC on RBI's register that names its agents and partners, held back by conflicting terms, heavy losses and a Play note that data isn't encrypted in transit.

Loan Details & Charges

Loan Amount ₹1,00,000 to ₹50,00,000

Interest Rate 13.5% to 35% a year

Tenure 12 months to 36 months

Processing Fee Up to 3% + GST

Late Payment 0.1% a day (36% a year) on overdue principal and interest until paid, plus Rs 300 for each overdue instalment

Foreclosure No foreclosure charge on unsecured business loans; pre-closure only after the first EMI is paid in full; exiting within the 3-day cooling-off period can cost up to 2% of the sanction amount (kept from the processing fee)

Bounce Charges Rs 150 per dishonoured cheque and Rs 20 per failed ECS/NACH debit (incl. GST)

Eligibility Criteria

Age 18-65 years

Employment Self-employed business owners and firms: proprietorships, partnerships, LLPs, one person companies, private and public limited companies, operating for at least 12 months with turnover of Rs 75,000 or more in the three months before applying; trusts, NGOs and charities are not eligible

Documents Last 12 months' bank statements (Account Aggregator accepted); business registration proof (registration certificate, GST filing, Gumasta, trade licence, drug licence, TIN or VAT registration); company PAN; proprietor's PAN and Aadhaar or the partnership deed; for some profiles ITRs, profit and loss statements for 2 years and balance sheets

What It Actually Costs

Loan amount ₹5,00,000

Tenure 24 months

Monthly EMI ₹26,436

Total interest ₹1,34,464

Processing fee ₹17,700 (3% = ₹15,000 + 18% GST of ₹2,700), deducted upfront, plus a ₹1,200 documentation charge

Total repayment ₹6,34,464

Illustrative at 24% a year, inside Lendingkart's published 13.5% to 35% band, with the 3% fee cap from its schedule of charges: you receive about ₹4,81,100 but repay EMIs on the full ₹5,00,000, an APR of about 28%. On Lendingkart's own Play example, ₹93,500 received against 12 EMIs of ₹9,967 works out to about 48% APR.

Try the Lendingkart EMI calculator

Pros

The lender is Lendingkart Finance Limited, a Middle Layer NBFC on RBI's register
Unsecured business loans of ₹1,00,000 to ₹50,00,000 with no property or gold pledged
No foreclosure charge on unsecured business loans once the first EMI is paid
Toll-free line, WhatsApp and a four-level complaint ladder with named officers
Publishes its 115 recovery agencies, channel partners and co-lending banks by name

Cons

Its own pages clash: rates from 13.5% or 17.25% a year, or 1.25% a month, and fee caps of 3% or 4%
In the Play example ₹10,500 is kept back from a ₹1,04,000 loan, so only ₹93,500 reaches you
Late payment costs 0.1% a day on the overdue amount plus ₹300 for each missed instalment
Recent Play reviews are mostly one-star, citing NOC delays and loans left open after the last EMI
Play's data-safety section says data isn't encrypted in transit and location may be shared

Our Verdict

Lendingkart is a real, regulated lender. Lendingkart Finance Limited is a Middle Layer NBFC in RBI's register, and it publishes the names of its recovery agencies, channel partners and co-lending banks. Complaints climb a four-level ladder with named officers and set deadlines. In March 2025, Fullerton Financial Holdings, a Temasek company, took a majority stake. Cost and clarity are the weak spots. Its own pages give starting rates of 13.5%, 17.25% and 1.25% a month, and fee caps of 3% plus GST or 4%. The Play listing's worked example keeps back ₹10,500 of a ₹1,04,000 loan, which by our maths is about 48% APR, far above the 22% to 32% printed beside it. Late payment costs 0.1% a day plus ₹300 per missed instalment. Most recent Play reviews are one-star, citing slow NOCs, loans left open after the last EMI and recovery calls to relatives. The lender is shrinking too, with assets under management down from ₹5,000 crore to ₹1,308 crore in a year. It suits a trading business that needs ₹1 lakh or more without collateral and may repay early. Get the APR in your KFS, in writing, before you e-sign.

Who Lendingkart suits

Proprietors, partnerships, LLPs and companies that have traded for at least 12 months

Businesses with ₹75,000 or more in turnover over the last three months and clean bank statements

Owners who need ₹1 lakh to ₹50 lakh for working capital without pledging property

Borrowers who may close early, since unsecured business loans carry no foreclosure charge

Look elsewhere if

You need money for personal use: Lendingkart lends for business, and its personal loans run through a separate app, Upwards

Your business is under 12 months old, or it is a trust, NGO or charity

Your KFS shows an APR near the top of the 13.5% to 35% band, or you can't get the APR in writing

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

Things to Watch

The Play listing's worked example doesn't add up: 12 EMIs of ₹9,967 on ₹93,500 received come to about 48% APR, not the 22% to 32% it prints.
Lendingkart's own pages disagree on the basics: ₹1,00,000 to ₹50,00,000 over 1 to 3 years on the website, ₹50 thousand to ₹2 crore over 6 to 36 months on Play.
The lender is under strain: a ₹333 crore loss in FY26 after ₹288 crore in FY25, and FY26 disbursements of ₹263 crore against ₹1,855 crore a year earlier.
Reviewers describe recovery calls to relatives, loans still open after the final EMI and NOCs held back for months, though Lendingkart's own code limits calls to 8 am to 7 pm.
The brand is used in fraud: in October 2026 Delhi Police arrested a man over a ₹7.30 lakh Lendingkart loan taken in a woman's company name with forged documents.

How to Apply for Lendingkart

1

Check that you qualify

Your business should be at least 12 months old, with ₹75,000 or more in turnover over the last three months. Trusts, NGOs and charities can't apply.
2

Apply in the app or on the website

Enter your name as on PAN, mobile, email, business type and PIN code, then agree to a credit-bureau check and a GSTIN fetch from your PAN.
3

Share bank statements and KYC

Upload or link 12 months of bank statements (Account Aggregator works), business registration proof and the owner's PAN and Aadhaar.
4

Read the KFS before you e-sign

Check the APR, the fee and documentation charge kept back, any insurance added and the EMI date. The KFS stays valid for at least 3 working days, so take your time.

Documents Required

Last 12 months' bank statements for the business account

Business registration proof: GST filing, trade licence, Gumasta, drug licence, TIN or VAT registration

Company PAN card copy

Proprietors: PAN and Aadhaar; partnerships: the partnership deed

For some profiles, ITRs and profit and loss statements for the past 2 years

What Real Users Say

On 4 November 2026 the app showed 3.5 stars from 23.6K reviews and 10L+ downloads, last updated 26 October 2026. New reviews are sparse and mostly one-star, and several five-star entries are one or two words, so read the written complaints rather than the average.

Recent Play reviews of the Lendingkart app lean heavily negative, and most complaints are about what happens after the loan: closing it, getting the NOC and handling calls.

What users love

Happy reviewers mention a fast, simple process with few documents and call it a good app for small business owners, though many five-star posts are a single word.

Common complaints

NOCs and closure statements delayed for months after the last EMI; loans still shown as open, with payment links for the full amount; recovery calls to relatives; rejections after documents were shared; a 'pre-approved' top-up that still needed papers; disputed late charges; and login loops in the app.

How Lendingkart Compares

vs FlexiLoans — Another digital lender to small businesses; get its KFS for the same amount and compare the APR, not the headline rate.

vs NeoGrowth — An RBI-registered NBFC focused on retail merchants, worth a quote if most of your sales come in through card or digital payments.

vs Aye Finance — A listed, RBI-registered NBFC for micro businesses; compare its pre-closure terms, since Lendingkart charges none on unsecured loans.

How we tested

Everything here was checked in November 2026. On 4 November 2026 we read Lendingkart's business-loan, interest-rate, eligibility, schedule-of-charges, digital-lending, complaint and fraud pages, its board policy on charges, its Fair Practices Code and its FY26 annual report. We checked RBI's NBFC register as on 30 September 2026, the Play listing, its data-safety page and a year of dated reviews, plus Inc42 and ANI reports. RBI's Digital Lending Apps directory would not load, and we took no loan.

Lendingkart Customer Support Details

Call the toll-free line, 1800 572 0202, or message on WhatsApp at +91 77788 67631, and email care@lendingkart.com when you want a written trail. Contact them from your registered number or email so the ticket links to your loan. No fix in 15 days? Write to the Grievance Redressal Officer, Ketan Sali, then the Principal Nodal Officer. After 30 days, take it to RBI's Ombudsman.

Lendingkart customer care number	1800 572 0202
Lendingkart WhatsApp number	+91 77788 67631
Lendingkart customer support email ID	care@lendingkart.com
Registered lending entity	Lendingkart Finance Limited (RBI-registered NBFC); Lendingkart Technologies Private Limited runs the app
Lendingkart grievance officer email	grievance.redressal@lendingkart.com

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

Frequently Asked Questions

Is Lendingkart safe and RBI registered?

Yes, the lender is regulated. Loans come from Lendingkart Finance Limited, which RBI's register lists as a Middle Layer NBFC under its Mumbai office, formerly named Aadri Infin Limited. The app is run by its parent, Lendingkart Technologies. Regulated doesn't mean cheap, so compare the APR on your Key Fact Statement with one other lender's before you sign.

What does a Lendingkart business loan really cost?

Lendingkart's schedule of charges puts unsecured business loans at 13.5% to 35% a year, with a processing fee of up to 3% plus GST and a ₹1,200 documentation charge, both kept back from the payout. Optional insurance can be added. On ₹5,00,000 over 24 months at 24%, the EMI is ₹26,436 and you'd repay ₹6,34,464 in all.

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

The website offers ₹1,00,000 to ₹50,00,000 over 1 to 3 years, repaid in monthly EMIs, with no collateral. The Play listing says ₹50 thousand to ₹2 crore over 6 to 36 months, so the two don't match. Your actual limit depends on turnover, bank statements and credit history, and your sanction letter is what counts.

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

Your business must have run for at least 12 months, with turnover of ₹75,000 or more in the three months before you apply, and you should be 18 to 65. Proprietors, partnerships, LLPs and companies qualify; trusts, NGOs and charities don't. Keep 12 months of bank statements, registration proof such as a GST filing, the company PAN and the owner's PAN and Aadhaar ready.

What is the Lendingkart customer care number, and how do I complain?

Call the toll-free number, 1800 572 0202, message WhatsApp on +91 77788 67631 or email care@lendingkart.com. If it isn't fixed in 15 days, write to the Grievance Redressal Officer, Ketan Sali, at grievance.redressal@lendingkart.com, then to the Principal Nodal Officer. Still stuck after 30 days? Complain to RBI's Integrated Ombudsman.

Does Lendingkart ask for a fee before it disburses the loan?

No. Lendingkart says it charges no processing fee before disbursal, and that neither it nor its representatives ask for payments or commission to sanction a loan. Its fees are deducted from the loan when it's paid out. Anyone asking you to pay first, especially into a personal account or UPI ID, isn't acting for Lendingkart, so report it on 1800 572 0202.

How do I file a complaint against Lendingkart?

Work the escalation ladder in order. First, raise the complaint with Lendingkart support (care@lendingkart.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.redressal@lendingkart.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 Lendingkart 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.redressal@lendingkart.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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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	You're here
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