Ola Loan App Reviews, Customer Care Number & Details

Personal loans from partner NBFCs inside the Ola app, arranged by Ola Financial Services

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

FINTECHRBI Regulated

Reviewed by BankCreds App Review Team· App Review Analysts Updated 30 October 2026

Ola loan is the personal loan offer inside the Ola ride app, arranged by Ola Financial Services but not lent by it. The money comes from RBI-regulated partners such as InCred, Tata Capital, Credit Saison India and Poonawalla Fincorp, and since Ola publishes no interest rate or fee, the lender's Key Fact Statement is the only place you'll see the real cost. InCred's tie-up allows loans of up to ₹10 lakh, and there's no separate Ola loan app to install. This review covers who lends, what we could and couldn't check, the Ola Money Postpaid complaints in recent reviews, customer care and the RBI complaint route, as of October 2026.

Quick Facts

₹10L

Max Loan

Not published

Interest Rate

No payout time published; the lender pays directly into your bank account

Disbursal

Not published

Tenure

Not published by Ola

Processing Fee

Our Ratings

Disbursal speed 3.0/5

Ola publishes no payout time, though the lender pays straight into your bank account and one recent Ola Money review says the loan arrived immediately.

Interest & cost 2.0/5

There's no published interest rate, fee or APR for loans in the Ola app, so you only see the price in the lender's Key Fact Statement.

App experience 2.5/5

The Ola app's 4.6 stars are earned on rides, and recent reviewers complain about loan ads and Postpaid being picked as the default payment.

Customer support 2.0/5

A grievance officer and phone line are named, but many recent reviewers say complaints go unanswered while recovery calls keep coming.

Safety & transparency 3.0/5

The lenders are RBI-regulated and most list Ola in their own disclosures, but Ola's lender list is stale and RBI has fined Ola Financial Services twice.

Loan Details & Charges

Loan Amount Up to ₹10,00,000

Interest Rate Not published

Tenure Not published

Processing Fee Not published by Ola

Late Payment Not published by Ola; set by the lender, which can change it. IDFC FIRST Bank lists up to 2.5% of the unpaid EMI for its own loans.

Foreclosure Not published by Ola; set by the lender. IDFC FIRST Bank lists up to 5% of principal outstanding for its own loans.

Bounce Charges Not published by Ola; set by the lender. IDFC FIRST Bank lists 7.5% of the bounced EMI, minimum INR 400, maximum INR 1000, plus GST, for its own loans.

Eligibility Criteria

Age 18+ years

Documents CKYC or Aadhaar OTP e-KYC, liveness check or video KYC, bank account details for payout, e-NACH mandate; lender may ask for address, financial details and credit score

What It Actually Costs

Loan amount Not disclosed

Tenure Not disclosed

Monthly EMI Not disclosed

Total interest Not disclosed

Processing fee Not disclosed

Total repayment Not disclosed

Ola publishes no rate, fee or standard tenure for its personal loans, so we can't build a fair example. The lender sets the rate and fee, and its Key Fact Statement in the Ola app shows the APR and the amount you'll actually receive after the fee and GST.

Try the Ola Loan EMI calculator

Pros

Loans come from RBI-regulated lenders such as InCred, Tata Capital and Poonawalla Fincorp
Several lenders list Ola Financial Services in their own partner disclosures, so the tie-ups check out
InCred's tie-up allows personal loans of up to ₹10 lakh through the Ola app
No separate loan app to install: the offer sits inside the Ola app you may already use
A named grievance officer, a care number and an escalation path are published

Cons

Ola publishes no interest rate, processing fee, APR or sample loan cost anywhere we could find
Offers appear only if a partner lender picks you, and Ola says no loan offer is guaranteed
Ola's terms let it charge you for using its app, on top of whatever the lender charges
Recent reviews describe Postpaid dues after paying drivers, late fees and pushy recovery calls
The Ola app collects SMS, installed apps, precise location and credit score data, per its Data safety form

Our Verdict

Ola loan isn't a shady app. The lending is done by RBI-regulated NBFCs, and InCred, Tata Capital, Credit Saison India, Poonawalla Fincorp, DMI Finance and Respo all list Ola Financial Services in their own partner disclosures. That's a better paper trail than most instant loan apps can show. The weak spot is what you can't see before you apply. Ola publishes no rate, fee, APR or worked example, and its terms let it add charges of its own for using the app. Its lender list is out of date too: IDFC FIRST Bank says it has stopped taking new Ola customers, and Aditya Birla Capital's partner page no longer shows Ola. RBI has fined Ola Financial Services twice over KYC in its payments business, and recent reviews describe disputed Postpaid dues, late fees and heavy-handed recovery calls. If an offer pops up in your Ola app, treat it like any other loan quote. Check the lender's name, read the KFS, note the amount you'll actually receive and compare it with a direct quote from the same NBFC. If the numbers aren't clear, don't sign.

Who Ola Loan suits

Regular Ola users who get an offer from a lender they recognise, such as InCred or Tata Capital

Borrowers who'll compare the KFS with a direct quote from the same lender before signing

People who want a larger personal loan from an established NBFC rather than a small-ticket app

Look elsewhere if

You want to see the rate and fee before you hand over any KYC details

You've had trouble with Ola Money Postpaid dues or recovery calls

You'd rather deal with the lender directly, without a ride app in the middle

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

Things to Watch

Ola's lender list is stale: IDFC FIRST Bank says it stopped onboarding new Ola customers, and Aditya Birla Capital's live partner page no longer shows Ola.
RBI fined Ola Financial Services ₹1,67,80,000 in July 2022 and ₹3.10 lakh in September 2026 over KYC rules in its payments business.
No price is shown before you apply, and the loan terms allow equated daily instalments and recovery visits in person.
Some Ola Money users say loans or credit lines they never asked for showed up in their name, one found through an Aditya Birla Capital re-KYC letter.
Recent reviewers say Postpaid recovery callers threatened home visits or calls to family, in one case over rides the user says were already paid.

How to Apply for Ola Loan

1

Open the Ola app

Sign in to the Ola app with your mobile number and go to the Ola Money section. A loan offer appears only if a partner lender has one for you.
2

Check the lender

Note the lender named on the offer, then confirm that lender lists Ola Financial Services on its own website before you share documents.
3

Complete KYC

Finish CKYC or Aadhaar OTP e-KYC, a liveness check or video KYC, and add the bank account the money should go to.
4

Read the KFS and sign

Check the APR, fee, instalment dates and the amount you'll receive in the Key Fact Statement, set up the e-NACH mandate and sign with an OTP. The lender then pays into your bank account.

Documents Required

Aadhaar for OTP-based e-KYC, or an existing CKYC record

A liveness check or video KYC call

Bank account details for the payout

An e-NACH mandate for repayments

Address, income or credit details if the lender asks for them

What Real Users Say

Don't read the 4.6 as a loan rating; it reflects the ride app as a whole. The separate Ola Money wallet app rates 2.1 stars from 31.8K reviews, which is closer to how users feel about Ola's money products.

The Ola app shows 4.6 stars from about 35.5L ratings, but that score is for cabs, autos and bike taxis. Recent reviews that touch on money are mostly about Ola Money Postpaid, and they're largely negative.

What users love

Loan-specific praise is thin. One October review of the separate Ola Money app simply says the loan arrived immediately, and most five-star Ola reviews are short lines about rides.

Common complaints

Recent complaints centre on Postpaid: rides charged to Postpaid after the driver was paid in cash or UPI, late fees, repeated calls and, in one October review, a warning that someone would come home to collect. A few users say loans or credit lines appeared in their name without their asking, and some dislike loan ads in the ride app.

How Ola Loan Compares

vs Poonawalla Fincorp — One of Ola's own lending partners, so applying to it directly shows you its terms without Ola in the middle.

vs DMI Finance — Another lender on Ola's partner list, with its own app, which makes it an easy direct price check.

vs Moneyview — A dedicated loan app in a similar ticket range, worth a quote before you accept an Ola offer.

vs Navi — A fully digital personal loan from a regulated lender, useful as a benchmark for larger amounts.

How we tested

On 30 October 2026 we read Ola Financial Services' loan terms, lending partner list and grievance documents, the Ola app's Google Play listing and Data safety page, and recent reviews of the Ola and Ola Money apps. We checked each named lender's partner disclosures and RBI's NBFC register as on September 30, 2026. RBI's Digital Lending Apps directory wouldn't load for us. We couldn't open the in-app loan screens or take a loan, so pricing and payout speed are unverified.

Ola Loan Customer Support Details

Ola Loan offers sit inside the Ola app and are arranged by Ola Financial Services. The money comes from one of several RBI-registered NBFCs or a bank, so check the lender named in your KFS. Ola's loan terms give care hours of 9 am to 5 pm, though its wallet policy says 10 am to 7 pm. To escalate, email escalation@zipcash.in, then grievance officer Mrs. Aparna V S (080-37102429), who has 15 business days. If that fails, complain to the lender named in your KFS.

Ola Loan customer care number	080-37101888
Ola Loan WhatsApp number	NA
Ola Loan customer support email ID	loans@olamoney.com
Registered lending entity	The lender named in your KFS: one of the RBI-registered NBFCs InCred Financial Services, Tata Capital, Kisetsu Saison Finance (Credit Saison), Poonawalla Fincorp, DMI Finance, Respo Financial Capital or Aditya Birla Capital, or IDFC FIRST Bank (a bank, now only servicing existing Ola loans); Ola Financial Services Private Limited arranges the loans in the Ola app
Ola Loan grievance officer email	grievance.officer@zipcash.in

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

Frequently Asked Questions

Is Ola loan safe and RBI registered?

Ola Financial Services, which runs loans in the Ola app, isn't a lender and says it isn't a regulated entity. The money comes from partners such as InCred Financial Services, Tata Capital, Credit Saison India and Poonawalla Fincorp, all in RBI's NBFC register. Check which lender is named on your offer and Key Fact Statement, and confirm it lists Ola on its own site, before you accept.

What does an Ola loan really cost?

As of October 2026, Ola doesn't publish an interest rate, processing fee or APR for its loans. Each partner lender sets its own price, and Ola's terms say charges are shown inside the app. Read the Key Fact Statement for the APR and the amount you'll receive after the fee and GST, then compare it with a direct quote from the same lender.

How much can I borrow through Ola, and for how long?

InCred's August 2024 tie-up with Ola allows personal loans of up to ₹10 lakh in the Ola app. Ola doesn't publish a minimum amount or a standard tenure. The only tenure we found, 6 to 84 months, belongs to IDFC FIRST Bank's Ola program, which no longer takes new customers. Your offer screen and KFS show the real limit and term.

Who is eligible for an Ola loan and what documents are needed?

Ola's own terms only ask that you're at least 18, an Indian resident and able to sign a contract. The lender decides whether you qualify, using your KYC and credit information. Expect Aadhaar OTP e-KYC or a CKYC check, a liveness check or video KYC, your bank account for the payout and an e-NACH mandate for repayments.

What is the Ola loan customer care number?

Ola Financial Services lists 080-37101888 and loans@olamoney.com for loan queries, and its loan terms say the line runs 9 am to 5 pm. The grievance officer, Aparna V S, is on 080-37102429 and grievance.officer@zipcash.in. If that doesn't work, complain to the lender named in your KFS, then to RBI's complaint portal.

Is Ola Money Postpaid a loan, and can it hurt my CIBIL score?

Yes, it's credit. Ola's Postpaid terms call it a short-term credit facility from a financial institution, and they allow unpaid dues to be reported to a credit rating agency. Late fees start at ₹75 on an overdue bill of ₹251 to ₹500 and rise the longer it stays unpaid. If a ride you paid for in cash still shows as due, raise it in writing straight away.

How do I file a complaint against Ola Loan?

Work the escalation ladder in order. First, raise the complaint with Ola Loan support (loans@olamoney.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.officer@zipcash.in. 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 Ola Loan 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.officer@zipcash.in), 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 Ola Loan

Get instant loan in minutes

Apply Now

Play Store

Compare With

Compare Apps

Ola Loan Tools

Ola Loan EMI Calculator

All Loan App Reviews

See how Ola Loan 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	You're here
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	Read Review
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