Orrish Loan Review: Customer Care Number, RBI Status & Is It Safe?

Orrish Loans is a small lender from Raipur offering salary advances, personal loans and business loans through its own app. It is not a household name, which is exactly why the first question is whether a real regulated lender stands behind it.

The answer is yes, and unusually, we could confirm it in RBI's own publication rather than taking the company's word. What follows that verification is more mixed: a fee ceiling far above what the representative example suggests, a data-sharing declaration that goes beyond what RBI's rules allow, and a review stream that does not look organic.

Orrish Loan Reviews

The Orrish Loans app holds 4.6 stars from about 398 ratings with over 50,000 downloads, last updated 9 September 2026. Do not take that score at face value.

When we pulled the 40 most recent reviews on 22 September 2026, 38 were five-star and they arrived at an almost exact one-hour cadence — gaps of roughly 3,550 to 3,730 seconds, repeatedly, across several days. Several contained filler or off-topic text, including song and meme lines, and one simply asked for rewards. That is the signature of incentivised or bulk-purchased reviews, not of borrowers describing a loan.

The handful of substantive reviews are less flattering:

• A reviewer on 18 September 2026 described a drawn-out process with repeated document requests and verification calls to alternate contacts, for a 14-day loan that was ultimately refused — and objected to data being collected before the rejection.
• Another on 21 September 2026 called the app useless, without detail.

The generic praise, for what it is worth, cites a paperless KYC flow, quick approval, direct credit to the bank account, a simple interface, and the fact that the lender is RBI-registered.

Notably absent, and worth stating plainly: we found no RBI caution, no police advisory, no government warning, no media coverage and no consumer-complaint record naming Orrish. For a small lender, that is a better record than many larger names in this list.

Orrish Loan Safe or not?

The lender is real and verifiable. The app's terms and data practices are where to be careful.

What checks out:

• Confirmed in RBI's own register. Orrish Finance Private Limited, serial number 5209 in the list of NBFCs registered as on 30 June 2026: Raipur regional office, non-deposit-taking, Investment and Credit Company, Base Layer.
• Not on the cancelled list. We checked RBI's list of NBFCs whose registration has been cancelled; Orrish does not appear.
• It lends on its own book, so there is no chain of hidden partners for the main product.
• It publishes a lending service provider disclosure for its partner channel, naming a nodal grievance officer for that app — which is the disclosure RBI requires.
• No adverse regulatory or police record found as of the check date.

What to weigh against it:

• A processing fee of up to 15%. The Play listing permits it, while the same listing's representative example charges 2%. On a short-tenure loan, a 15% fee dwarfs the stated interest rate.
• Data sharing that exceeds the rules. The data-safety declaration covers SMS or MMS, installed apps, approximate location, photos and videos, financial information and device IDs, with sharing to third parties. RBI's digital lending directions limit access to need-based, one-time collection of camera, microphone, location and KYC data.
• Nothing agrees with anything. Loan size is ₹25,000, ₹2,00,000 or ₹7,00,000; rates are 12–30%, 12–36%, 22–36% or 18–42%; fees are 2%, up to 10% or up to 15%; tenure is 90 days, 3 months, 12 months, 60 months or 180 days — depending on which of its own pages or partner sites you read.
• No APR and no Key Fact Statement specimen published anywhere.
• No named grievance officer, no turnaround commitment and no published RBI Ombudsman route.
• Three different addresses across RBI's register, the company's website and the Play developer block.
• The review pattern described above.
• A stale partner disclosure: its published service-provider document points to a partner app whose package now serves a different brand entirely.

The rule that protects you everywhere: no genuine lender asks for an OTP, PIN or card details, and none asks you to pay a fee by UPI before disbursal. A regulated lender takes its processing fee out of the amount it sends you. Anyone asking for money first, in any lender's name, is running a scam.

Orrish Customer Care

One useful detail: grievance.redressal@orrishfinance.com is the email RBI's own register records for this company. That makes it the most reliable address to write to, and worth quoting in any complaint.

How to escalate when no officer is named:

1. Email grievance.redressal@orrishfinance.com with your loan or application ID, dates, amounts and screenshots. Ask for a written complaint reference and a resolution date.
2. Copy support@orrishfinance.com and send a physical letter to the Raipur address in RBI's register, keeping the dispatch receipt.
3. After 30 days without resolution, complain free to RBI at cms.rbi.org.in, or report lending conduct at sachet.rbi.org.in. The company's site links Sachet but publishes no ombudsman route of its own.
4. For recovery-agent misconduct — calls before 8 a.m. or after 7 p.m., threats, or contact with people in your phonebook — save the evidence and complain to both the lender and RBI.

Never use an "Orrish customer care number" from a directory or search snippet. Our verified customer care directory lists only contacts published by companies themselves.

Orrish is RBI Registered or not?

Yes — and this is one of the few in this list we could confirm against RBI's own document rather than the company's claim.

• Entity: Orrish Finance Private Limited, CIN U65100CT2019PTC009508.
• RBI register: serial number 5209 of the list of NBFCs registered with the RBI as on 30 June 2026.
• Details recorded there: Raipur regional office; not authorised to accept public deposits; classification ICC (Investment and Credit Company); Base Layer.
• Cancelled list: absent, which we checked separately.
• Company-stated CoR: B-03.00208. RBI's published register does not print certificate numbers, so this specific number could not be matched to an RBI document.
• Digital Lending Apps directory: RBI's directory could not be reached from our environment, so the app's listing there is unconfirmed either way.

Registration means the lender is supervised and answerable to RBI. It does not mean the app's terms are fair, and here the terms need reading.

Verify any lender yourself, in two minutes:

• Download RBI's list of registered NBFCs from rbi.org.in and search the exact entity name — this is how we confirmed Orrish.
• Check the separate list of cancelled registrations.
• Look for the app in RBI's Digital Lending Apps directory under Citizen's Corner.
• Demand the Key Fact Statement before signing: it must carry the APR and every charge.

Rates, fees and the numbers that do not match

The Play listing's own representative example is the most concrete figure available: ₹1,00,000 for 12 months at 18% a year, EMI ₹9,168, total repayment ₹1,10,016, plus a ₹2,000 processing fee and taxes. That is a reasonable personal loan.

Now apply the same listing's fee ceiling. At 15%, the fee on ₹1,00,000 would be ₹15,000 rather than ₹2,000, and you would receive ₹85,000 while repaying on ₹1,00,000. The effective cost roughly doubles. The gap between those two scenarios is why you must have the fee in rupees, in writing, before accepting — and why our EMI calculator is worth running on the net amount you will actually receive rather than the sanctioned figure.

Foreclosure is listed as nil on one company site and "as per the loan agreement" elsewhere. Get that in writing too.

Eligibility and documents

• Documents: Aadhaar, PAN and a selfie, per the company's product document. Its partner channel additionally asks for three months of bank statements and income proof.
• Process: fully digital KYC and application.
• Products: salary advance, personal loan and business loan.
• Not published: minimum income, minimum credit score, age band or city coverage.

Be aware, from the one substantive negative review, that verification may include calls to alternate contacts you provide. Ask what will be verified and with whom before you submit.

Before you borrow from a small NBFC

1. Confirm the lender in RBI's list yourself — with Orrish, that check succeeds, and it takes two minutes.
2. Get the processing fee in rupees, given a published ceiling of 15%.
3. Ask for the net disbursal amount after fees, in writing.
4. Read the data permissions and decline anything beyond KYC needs. SMS access is not required to lend you money.
5. Ask who the grievance officer is by name, since none is published.
6. Keep every document — sanction letter, Key Fact Statement, payment receipts.

What RBI's rules say about app permissions

The strongest criticism of this app is its data-safety declaration, so it is worth setting out what the rules actually permit — a standard you can apply to any lending app you install.

Under RBI's digital lending framework, a lending app may collect only need-based data, with the borrower's explicit consent, and access to a phone's functions is limited to one-time, purpose-bound use of the camera, microphone, location and KYC-related data. Specifically not permitted for lending purposes:

• Access to your contact list.
• Access to your photo gallery and media files.
• Access to your message inbox, including SMS.
• Continuous background collection of location.

The reason is not privacy theory. Contact lists and galleries are the raw material of the harassment playbook that predatory apps used at scale: calling a borrower's relatives and colleagues, and in the worst cases morphing photographs. Message access reveals every financial relationship you have. None of this is required to lend you ₹20,000 — a bank statement and a bureau check do the job.

Orrish's Play data-safety block declares SMS or MMS, installed apps, approximate location, photos and videos, financial information and device IDs as collected, and says they may be shared with third parties. That is broader than the rules contemplate, and onward sharing is the part we would want the company to explain.

What you can do about it:

1. Review the permissions on the app's Play listing before installing, not after.
2. Deny what you can in Android's permission settings, and see whether the app still functions.
3. Withdraw consent and request deletion of your data when the loan closes — RBI's rules give you that right, and the company must provide a route.
4. If harassment follows a default, save everything and complain to the lender, then to RBI at sachet.rbi.org.in, and to the police on 1930 if there are threats.

Verdict: should you take an Orrish loan?

If you need a small loan and the mainstream lenders have refused, Orrish is a genuine regulated option, with a cleaner adverse-record search than several larger names here. Being able to find a lender in RBI's own register is not a small thing in a market this crowded with imitations.

Borrow with conditions. Fix the processing fee in writing before you accept — a 15% ceiling on a short loan is the difference between reasonable credit and expensive credit. Do not rely on the app's 4.6 rating. And weigh the data-sharing declaration seriously: an app that shares your SMS and installed-app list with third parties is asking for more than lending requires. If a bank or a larger NBFC will lend to you at a comparable rate, take that instead — compare the options in our loan app reviews.