Omozing App Reviews, Customer Care Number & Details

Aparampaar Finance's own app for salaried personal loans of up to ₹25 lakh

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

Omozing is the personal loan app and website of Aparampaar Finance Private Limited, a Bengaluru NBFC listed in RBI's register, so the company running the app is the one lending to you. What you most need to know is that Omozing's own pages don't agree on price: the website says rates start from 11% a year, the lender's site lists 15% to 39%, and the Google Play listing goes up to 59%. It's built for salaried people with a credit score from 600 who want a bigger EMI loan, not a few-day app loan. As of October 2026 the website offers up to ₹25 lakh over 3 to 36 months, with a processing fee of 3% to 7% plus GST taken from the loan. Treat the Key Fact Statement as the only price that counts.

Quick Facts

3.5★ · 1.1K

Play Store

₹25L

Max Loan

11% to 59% a year

Interest Rate

Often within 24 business hours of approval (website); FAQ says a decision within 4 working days of a complete application. Every file gets a manual credit review; Play reviewers report 1 to 3 days, and some say applications sat 'under process' for days.

Disbursal

3 months to 36 months

Tenure

1% to 7% + GST

Processing Fee

₹40,000 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 3.0/5

Omozing says money often lands within 24 business hours of approval, but a person reviews every file and several reviewers waited days with no update.

Interest & cost 3.0/5

Rates start from 11% a year on the website but reach 59% on the Play listing, and the 3% to 7% fee and 4% to 6% foreclosure charge add to the bill.

App experience 2.5/5

The Play rating sits at 3.5, and recent complaints mention glitches, applications stuck in review and no way to download statements or closure letters.

Customer support 2.5/5

A named grievance officer, phone line and email are published, yet reviewers say calls go unanswered and the site menu still links an older page with a different helpline.

Safety & transparency 3.0/5

The lender is in RBI's register and lends directly, but its pages contradict each other on price and eligibility, and its privacy policy claims more data access than the app asks for.

Loan Details & Charges

Loan Amount ₹10,000 to ₹25,00,000

Interest Rate 11% to 59% a year

Tenure 3 months to 36 months

Processing Fee 1% to 7% + GST

Late Payment 10% of the defaulted EMI plus GST for each default (3-day grace for the last 3 EMIs at the lender's discretion). Defaulted amounts are added to principal and charged interest at the contract rate; anything outstanding after tenure end attracts 3% per month (compounded monthly per the lender's copy). General terms also refer to an 'Overdue Interest Rate'.

Foreclosure 4% to 6% (plus GST per the lender's site), decided case by case, especially on longer tenures. Part-prepayment not offered.

Bounce Charges ₹900 per e-NACH bounce, ₹1,000 per cheque bounce, plus 18% GST; ₹500 + GST per demand notice and ₹1,500 + GST per Section 138 bounce notice.

Eligibility Criteria

Age 21-60 years

Min Income ₹40,000 per month

CIBIL Score 600+

Employment Salaried only per website (salary credited to a bank account; no cash salaries). Play listing still says it also lends to self-employed.

Documents Last 6 months' salary-account bank statement (PDF), latest salary slip, PAN and Aadhaar for KYC; co-applicant documents if added. Older eligibility page also lists 3 months' salary slips, address proof and a passport photo.

What It Actually Costs

Loan amount ₹2,00,000

Tenure 12 months

Monthly EMI ₹18,912

Total interest ₹26,943

Processing fee ₹11,800 (₹10,000 fee + ₹1,800 GST)

Total repayment ₹2,26,943

Built on Omozing's own worked example of 24% a year with a 5% fee; we added 18% GST on the fee, so ₹1,88,200 reaches your account. Your rate could be lower or much higher, so check the APR in your Key Fact Statement.

Try the Omozing EMI calculator

Pros

The lender is Aparampaar Finance, an NBFC in RBI's register, and Omozing is its own app
Loans of up to ₹25 lakh over 3 to 36 months, far bigger than typical app loans
Considers credit scores from 600, and a co-applicant can strengthen a tight application
Publishes a schedule of charges, a named grievance officer and its recovery agencies
Says it never asks for a fee before approval and pays only into your own bank account

Cons

Rates differ by page: from 11% on the website, 15% to 39% on the lender's site, up to 59% on Play
A 3% to 7% processing fee plus GST comes off the loan, despite a 'no upfront fees' banner
Closing early costs 4% to 6% and part-prepayment isn't allowed
Anything unpaid after the tenure ends attracts 3% a month, on top of the missed-EMI penalty
Salaried borrowers only on the website, with a ₹40,000 monthly take-home floor

Our Verdict

Omozing is a real, regulated lender, and that already puts it ahead of many loan apps. Aparampaar Finance is in RBI's NBFC register, runs Omozing as its own lending app, names its recovery agencies and publishes a schedule of charges. A credit officer reads every file, so a borrower with a patchy score in the 600s may get a hearing here that a bank wouldn't give. The weak spot is consistency. The website, the lender's site and the Play listing quote different rates, fees, minimum amounts and income limits, and they even disagree on whether self-employed people qualify. The home page says there are no upfront fees, yet a 3% to 7% fee comes off the loan at disbursal. Missed EMIs are added to the principal and charged interest, anything unpaid after the tenure ends attracts 3% a month, and closing early costs 4% to 6% with no part-prepayment. Our view: worth a look if you're salaried, take home ₹40,000 or more a month and were turned down elsewhere on score alone. Get the APR in writing, compare it with two other regulated lenders, and don't read the glowing Play reviews as proof of good service.

Who Omozing suits

Salaried borrowers taking home ₹40,000 or more a month who need a larger EMI loan

People with a credit score in the 600s who were refused elsewhere on score alone

Borrowers who want to swap several short-term app loans for one monthly EMI

Anyone happy to wait for a human credit review instead of an instant decision

Look elsewhere if

You're self-employed or paid in cash, since the website lends to salaried people only

You may want to prepay in parts, because part-prepayment isn't offered and foreclosure costs 4% to 6%

You want a clear price before applying, as Omozing's own pages disagree on rates and fees

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

Things to Watch

Rates, fees, the minimum loan, the income floor and self-employed eligibility all differ between Omozing's website, the lender's site and the Play listing.
The charges page adds missed EMIs to the principal for interest and charges 3% a month on anything left after the tenure ends; the lender's copy says that 3% is compounded monthly.
The privacy policy says the app may read your call history and address book, access RBI's digital lending rules bar, although the Play permission list shows no such permissions.
Many five-star Play reviews read alike and thank the same few staff members, and one of them praises a different lender's app.
Aparampaar Finance's own site prints a different company identification number from the one in RBI's register and on Omozing's site.

How to Apply for Omozing

1

Check you qualify

You need to be salaried, take home at least ₹40,000 a month and have a credit score of 600 or more. Cash salaries aren't accepted.
2

Apply on the official app or website

Enter your details, employer and salary, and consent to a credit check. Use only the Omozing app on Google Play or Omozing's own website.
3

Upload two documents

Share your last 6 months' salary-account bank statement and your latest salary slip. PAN and Aadhaar checks run with your consent.
4

Speak to the credit officer

A person reviews your file and may call you. Ask for the rate, the fee and the APR in writing before you go further.
5

Read the KFS, then e-sign

Check the APR, fee, foreclosure charge and repayment schedule. The money goes to your own account and EMIs are auto-debited each month.

Documents Required

Last 6 months' bank statement of your salary account, as a PDF

Latest salary slip

PAN and Aadhaar for digital KYC

Your co-applicant's documents, if you add one

What Real Users Say

A large share of the five-star reviews are polished thank-you notes naming the same staff members, one of whom shares a first name with the Play developer contact email, and a few are near-identical or praise another lender's app. Some one-star reviewers call the praise fake. We don't treat the 3.5 as a reliable guide.

As of October 2026 the Play listing shows 3.5 from 1,102 ratings. Recent dated reviews split sharply, with warm notes from repeat borrowers on one side and one-star complaints about silence and rejections on the other.

What users love

Happy borrowers say a credit officer listened to their story, approved them despite a weak score and paid out within a day or two. Several say Omozing replaced a pile of small app loans with one EMI.

Common complaints

The commonest complaint is an application stuck in review for days with no call back. Others describe rejection after sending every document, calls and emails that go unanswered, no way to download statements or a foreclosure letter, and one borrower says closure was delayed while interest kept adding up.

How Omozing Compares

vs Moneyview — A regulated personal loan app that also serves larger tickets, so it's a sensible second quote to set against Omozing's Key Fact Statement.

vs Navi — Lends bigger personal loans fully inside its app, which makes it a useful benchmark if your credit score is in good shape.

vs Fibe — Focuses on salaried borrowers through regulated lending, so compare its APR and fees with Omozing's before you commit.

How we tested

On 30 October 2026 we read Omozing's website, including its key facts, personal loan, schedule of charges, privacy, terms and grievance pages, and Aparampaar Finance's own site. We read the Google Play listing, its Data safety form and permission list, and the newest dated Play reviews. We found Aparampaar Finance in RBI's NBFC list as on September 30, 2026. RBI's Digital Lending Apps directory and its cancelled-licence list wouldn't load for us, and we didn't take a loan or test collections.

Omozing Customer Support Details

Omozing is the app of Aparampaar Finance, an RBI-registered NBFC that lends to you directly. Customer care works Monday to Friday, 10 am to 5 pm, but not on public holidays. To escalate, write to Grievance Redressal Officer Mr. Madhusudan M (+91 63620 62291). An old Omozing grievance page is still linked from its menu. It gives a different helpline, 9741022988, and names Mr. Neelam Dwivedi. Use the current contacts here instead. Omozing says it takes no upfront fees, so never pay anyone before your loan is approved.

Omozing customer care number	+91 88848 00789
Omozing WhatsApp number	+91 70900 02531
Omozing customer support email ID	care@aparampaar.co.in
Registered lending entity	Aparampaar Finance Private Limited (RBI-registered NBFC), which runs the app itself
Omozing grievance officer email	grievance@aparampaar.co.in

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

Frequently Asked Questions

Is Omozing safe and RBI registered?

The lender is regulated. Omozing is the lending brand of Aparampaar Finance Private Limited, a non-deposit-taking NBFC in RBI's register as on September 30, 2026, and Omozing gives its certificate of registration as N-02.00333. It lends directly, not through a partner. We couldn't open RBI's Digital Lending Apps directory to confirm the app's entry, so check it yourself, and never pay anyone a fee before approval.

What does an Omozing loan really cost?

You pay a fixed rate on a reducing balance plus a processing fee, which the website puts at 3% to 7% and GST, taken from the loan. The website says rates start from 11% a year, the lender's site shows 15% to 39%, and the Play listing allows up to 59%. On Omozing's own example of ₹2,00,000 at 24% for 12 months, the EMI is ₹18,912. Your Key Fact Statement shows the real APR.

How much can I borrow from Omozing and for how long?

As of October 2026 the website offers up to ₹25 lakh over 3 to 36 months. The lender's site starts at ₹10,000, while the Play listing gives other ranges and a tenure of 90 days to 24 months. Your offer depends on take-home pay, existing EMIs and your credit report. You can close the loan early for a 4% to 6% charge, but you can't prepay in parts.

Who is eligible for an Omozing loan and which documents do I need?

The website asks for salaried applicants aged 21 to 60 with a take-home of ₹40,000 a month or more and a credit score from 600. You'll need your last 6 months' salary-account bank statement, your latest salary slip, and PAN and Aadhaar for KYC. The Play listing still mentions lower incomes and self-employed loans, so confirm your eligibility before you share documents.

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

Call +91 88848 00789 or email care@aparampaar.co.in, Monday to Friday, 10 am to 5 pm. If that doesn't work, write to Grievance Redressal Officer Mr. Madhusudan M at grievance@aparampaar.co.in. If your complaint isn't resolved within 30 days, take it to RBI's Complaint Management System. The site's menu still links an older grievance page with a different helpline, so stick to these details.

What happens if I miss an Omozing EMI?

Omozing's schedule of charges adds a penalty of 10% of the missed EMI plus GST, ₹900 plus GST for each bounced auto-debit, and interest on the missed amount at your loan rate. If anything is still unpaid when the tenure ends, it attracts 3% a month until you clear it. The missed payment also shows up on your credit report, so call the lender before the due date if you're short.

How do I file a complaint against Omozing?

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