OLYV App Reviews, Customer Care Number & Details

Instant personal loan app with amounts from Rs 1,000 to Rs 5 lakh.

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

FINTECHNo CIBIL NeededRBI RegulatedSelf-Employed OK
Reviewed by BankCreds App Review Team· App Review Analysts Updated 14 June 2026

OLYV (formerly SmartCoin) is a fast, no-CIBIL micro-loan app for borrowers banks won't touch — money in minutes, scores not required, small tickets. It operates within RBI's framework through its NBFC subsidiary (Upmove Capital) and partner lenders, so it is not an illegal app.

But it is expensive, and this review is blunt about why. The 36% (3% per month) headline understates the real cost, because a 2–15% processing fee plus GST on a short tenure annualises far higher.

Quick Facts

4.3★ · 3L

Play Store

₹5L

Max Loan

18.00% – 36.00% p.a.

Interest Rate

Within minutes

Disbursal

2 – 24 months

Tenure

2%–15% of loan amount, varies by lender; deducted before disbursal; GST treatment not stated

Processing Fee

Not specified

Min Income

Play Store rating sourced from Google Play, as of 3 Oct 2026. Other figures from the lender's official disclosures.

Our Ratings

Disbursal speed 4.5/5

Genuinely fast — funds can reach your account within minutes of approval.

Interest & cost 1.5/5

The real problem. A 2–15% upfront fee plus GST on a short tenure lifts the effective APR well above the 36% headline.

App experience 3.0/5

A simple flow with credit-tracking features, but cost disclosure is easy to miss in the rush to disburse.

Customer support 2.0/5

Some users report aggressive recovery calls and unhelpful support.

Safety & transparency 3.0/5

Lending sits with an RBI-registered NBFC subsidiary (Upmove Capital) and partners — but the high effective cost is not surfaced upfront.

Loan Details & Charges

Loan Amount Rs 500 – Rs 5,00,000
Interest Rate 18.00% – 36.00% p.a.
Tenure 2 – 24 months
Processing Fee 2%–15% of loan amount, varies by lender; deducted before disbursal; GST treatment not stated
Late Payment Penalty on overdue amount
Prepayment As per terms
Foreclosure As per loan agreement

Eligibility Criteria

Age 21-55 years
Min Income Not specified
CIBIL Score Not required
Employment salaried, self-employed
Documents PAN Card, Aadhaar Card

What It Actually Costs

Loan amount ₹20,000
Tenure 6 months
Monthly EMI ₹3,692
Total interest ₹2,152
Processing fee 5% (~₹1,000) + 18% GST, deducted upfront
Total repayment ₹22,152 — about ₹18,820 reaches your account

Illustrative at the 3%/month (36% p.a.) headline with a 5% fee. OLYV's own worked example lands near 28.6% APR, but on the smallest, shortest, highest-fee loans third-party sources cite an effective APR up to ~90%. Confirm the exact APR on your in-app KFS — it's the only number that matters.

Try the OLYV EMI calculator

Pros

  • Fast — funds in minutes, with no CIBIL score required
  • Operates within RBI's framework via an NBFC subsidiary (Upmove Capital) and partners
  • Small-ticket access (from ₹1,000) for thin-file and first-time borrowers
  • Credit-score tracking and credit-building features
  • No collateral and minimal documentation

Cons

  • High effective cost — a 2–15% upfront fee plus GST on a short tenure lifts the APR well above the 36% headline
  • You receive less than sanctioned because the fee is deducted upfront
  • Short tenures mean high EMIs relative to the amount borrowed
  • Some users report aggressive recovery calls, including to their contacts
  • Foreclosure carries a 2–5% charge

Our Verdict

OLYV (formerly SmartCoin) is a fast, no-CIBIL micro-loan app for borrowers banks won't touch — money in minutes, scores not required, small tickets. It operates within RBI's framework via its NBFC subsidiary (Upmove Capital) and partners, so it is not an illegal app. But it's expensive. The 36% (3% per month) headline understates the real cost: a 2–15% upfront fee plus GST on a short tenure pushes the effective APR higher — OLYV's own worked example is about 28.6%, while third-party sources cite up to ~90% on the smallest, shortest loans. You receive less than sanctioned, and some users report aggressive recovery calls. Use it only as a small, quickly-repaid stepping stone — and read the APR on your Key Fact Statement first.

Who OLYV suits

No-CIBIL or thin-file borrowers locked out of banks
People needing a small amount fast who can repay it quickly
Borrowers building a credit history, as a short-term stepping stone

Look elsewhere if

You can qualify for a bank or lower-APR NBFC loan
You need a large amount or a long, low-cost tenure
You can't comfortably repay on schedule — rollovers and penalties compound the cost

Things to Watch

  • The 36% (3%/month) headline understates the real cost — the 2–15% upfront fee plus GST on a short tenure lifts the effective APR sharply; OLYV's own example is ~28.6%, but it can run far higher. Read the APR on your KFS, the only number that matters
  • The fee is deducted upfront, so the amount credited is less than sanctioned
  • Some users report aggressive recovery calls — RBI rules forbid abusive or out-of-hours collection; you can complain to OLYV's grievance officer and escalate via the RBI Sachet portal

How to Apply for OLYV

  1. 1

    Apply in the app

    Download OLYV, fill in your application, and let the app evaluate your profile and show offers.

  2. 2

    Complete KYC

    Upload PAN and Aadhaar, add a live selfie, and provide bank statements.

  3. 3

    Read the KFS carefully

    Before accepting, check the APR (not just the monthly rate), the named lender, and the net amount after the fee.

  4. 4

    Receive funds

    Approved loans are disbursed to your bank account within minutes.

Documents Required

PAN card (mandatory)
Aadhaar and address proof
Bank statements (and salary slips, if salaried)
A live selfie

What Real Users Say

OLYV rates around 4.2–4.3★ on alternative app stores; pull the live Google Play figure before relying on it.

Reviews split between people who valued the speed and no-CIBIL access and those stung by the cost and recovery calls.

What users love

Borrowers praise fast disbursal, low documentation, and approval without a credit score.

Common complaints

Some users report the effective cost, receiving less than approved, and aggressive recovery calls.

How OLYV Compares

vs KreditBee — KreditBee's entry rates and larger tickets usually make it cheaper for new-to-credit borrowers — read both Key Fact Statements.

vs True Balance — True Balance's effective APR can run even higher, so OLYV is often the less expensive of the two for comparable small loans.

vs mPokket — mPokket targets students and young earners with tiny tickets; OLYV serves a broader base with bigger amounts.

How we tested

We reviewed OLYV's published rate and fee structure and its own worked example, confirmed its lending entity (the RBI-registered NBFC Upmove Capital) and partner lenders, checked it against RBI's digital-lending framework, and read recent borrower feedback across app stores and complaint forums. The ~90% effective-APR figure is an aggregator upper bound, not on OLYV's own paperwork; conduct complaints are user-reported. Always confirm the exact APR and net disbursal on your in-app Key Fact Statement before borrowing.

Olyv (formerly SmartCoin) Customer Support Details

Olyv, formerly SmartCoin, still publishes support on the smartcoin.co.in domain following its rebrand, so an email address that looks outdated is in fact the current one. A mobile number is listed rather than a toll-free line, and the same address handles both general support and formal grievances.

Olyv (formerly SmartCoin) customer care number +91 99866 40571
Olyv (formerly SmartCoin) WhatsApp number NA
Olyv (formerly SmartCoin) customer support email ID grievance@smartcoin.co.in
Olyv (formerly SmartCoin) grievance officer email grievance@smartcoin.co.in

Verified from Olyv (formerly SmartCoin)'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. All lender, bank & insurer contacts →

Frequently Asked Questions

What is the real (effective) cost of an OLYV loan?
OLYV's headline is 36% p.a. (3% per month), but the upfront processing fee (2%–15% plus 18% GST) on a short tenure pushes the effective APR higher. OLYV's own worked example is about 28.6%, while third-party sources cite up to roughly 90% for the smallest, shortest loans. Always read the APR on your in-app Key Fact Statement.
Is OLYV / SmartCoin RBI-approved and safe?
OLYV is the platform; lending is done by its RBI-registered NBFC subsidiary, Upmove Capital, and partner NBFCs — so it operates within RBI's digital-lending framework, not as an illegal app. It is a high-cost product, so borrow only what you can repay quickly.
What are my rights if I get recovery or collection calls?
Under RBI's rules, recovery must be lawful and non-abusive — no calls before 8am or after 7pm, and no contacting your contacts to shame you. Complain to OLYV's grievance officer and escalate to the RBI Sachet portal if it is not resolved.
Do I need a CIBIL score to borrow from OLYV?
No minimum CIBIL is required (a score of 650+ is preferred), which is why thin-file borrowers use it — but expect the pricing to reflect your risk.
How fast is disbursal and what actually reaches my account?
Disbursal is within minutes, but the processing fee plus GST is deducted upfront, so the amount credited is less than the sanctioned amount. Confirm the net disbursal on your Key Fact Statement before accepting.
Is OLYV RBI registered?
Lending in India can only be done by an RBI-regulated bank or NBFC, but many loan apps are not themselves the lender — they are digital lending platforms operating for a partner NBFC. To verify for yourself: open the app and find the lender name it is required to disclose, then search that exact name in the RBI's public list of registered NBFCs on rbi.org.in. If an app will not tell you which regulated entity is lending you the money, treat that as a reason not to borrow from it.
What is the OLYV customer care number?
The OLYV customer care number is +91 99866 40571. You can also email grievance@smartcoin.co.in. Always cross-check this against the number shown inside the OLYV app before calling — fake customer-care numbers are one of India's most common financial frauds, and no genuine lender will ever ask you for an OTP, PIN or card details.
How do I file a complaint against OLYV?
Work the escalation ladder in order. First, raise the complaint with OLYV support (grievance@smartcoin.co.in) 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@smartcoin.co.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 OLYV 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@smartcoin.co.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.

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Disclaimer: BankCreds.com is a loan comparison platform and does not directly lend, disburse, or provide any financial products. We aggregate and display loan offers from RBI-registered banks and NBFCs to help you make an informed decision. All loan applications are processed directly by the respective lender. Interest rates, charges, eligibility, and terms shown are indicative and subject to the lender's final assessment. Please read the lender's terms and conditions carefully before applying.