Rupee112 App Reviews, Customer Care Number & Details

Instant loan app of NBFC Aadhar India Finvest, with a 10% fee on its own website

This Rupee112 app review covers interest rates, eligibility, charges, documents and real borrower feedback, along with the verified Rupee112 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

Rupee112 is an instant personal loan app that says it's the lending brand of Aadhar India Finvest Limited, an NBFC listed in RBI's register. What you most need to know: its own pages disagree on the fee, the loan limits and even which NBFC lends, and Aadhar's website doesn't show Rupee112 among its apps. Check the lender named on your sanction letter before you accept anything. On paper you can borrow ₹20,000 to ₹5,00,000 for 61 to 365 days at a stated 35% APR. The website adds a 10% processing fee plus GST, while the Play listing says 2%. Recent Play reviews describe abusive recovery calls to family members. This review covers rates, eligibility, charges, documents, user feedback, customer care and the RBI complaint route, as of October 2026.

Quick Facts

4.3★ · 32.8K

Play Store

₹5L

Max Loan

Up to 35% a year

Interest Rate

Company claims usually within 10 minutes of approval (Play: same day)

Disbursal

2 months to 12 months

Tenure

2% to 10% + GST

Processing Fee

₹30,000 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

The company says money lands within 10 minutes of approval, but recent reviewers also describe loans shown as paid out that never reached their account.

Interest & cost 1.5/5

A 10% fee plus GST and 0.25% a day for late payment make it expensive, and its own pages can't agree on the fee.

App experience 2.5/5

The process is fully digital, but one recent reviewer reports form bugs, WhatsApp messages they didn't agree to and no option to delete the account.

Customer support 1.5/5

Phone numbers and grievance officers differ across its own pages, and many reviews describe rude or abusive recovery calls.

Safety & transparency 2.0/5

The lender is RBI registered, but shifting NBFC names, a lender site that leaves Rupee112 out and a Data safety form that contradicts the privacy policy cut trust.

Loan Details & Charges

Loan Amount ₹20,000 to ₹5,00,000

Interest Rate Up to 35% a year

Tenure 2 months to 12 months

Processing Fee 2% to 10% + GST

Late Payment 0.25% per day on overdue principal

Foreclosure No preclosure charges stated ("Loans without any precloser charges")

Bounce Charges ₹500 NACH bounce charge

Eligibility Criteria

Age 21-55 years

Min Income ₹30,000 per month

Employment Salaried only per the website; the Play listing also says self-employed

Documents PAN, Aadhaar, salary slips (2 to 3 months), last 3 months' bank statements (salary account), address proof such as an electricity or LPG bill, selfie verification

What It Actually Costs

Loan amount ₹50,000

Tenure 12 months

Monthly EMI ₹4,998

Total interest ₹9,978

Processing fee ₹5,000 + ₹900 GST, deducted upfront

Total repayment ₹59,978

Illustrative, using the 35% APR and the 10% fee on Rupee112's website, with EMI on a reducing balance. You'd receive about ₹44,100; the Play listing's own example uses a 2% fee and shows ₹48,820 paid out.

Try the Rupee112 EMI calculator

Pros

Published on Play by Aadhar India Finvest, an NBFC listed in RBI's register
Stated rate cap of 35% APR, with a maximum monthly rate of 2.9%
No preclosure charge is listed, so repaying early shouldn't cost extra
Fully digital application, with disbursal claimed within 10 minutes of approval
Stated tenure of 61 to 365 days clears Google Play's 60-day minimum on paper

Cons

Website lists a 10% processing fee plus 18% GST, while the Play listing says 2%
Late payment costs 0.25% a day on overdue principal, plus a ₹500 NACH bounce charge
Its pages give different loan limits, from ₹5,000 or ₹20,000 up to ₹1,20,000 or ₹5,00,000
Many recent reviews describe abusive recovery calls, including calls to relatives
Website eligibility is salaried only, with monthly income above ₹30,000

Our Verdict

Rupee112 isn't an unregistered app. Aadhar India Finvest Limited is in RBI's NBFC register, and the Play listing is published in its name. That's about where the comfort ends. Since January its store listings have named Vrinda Finlease and Dev-Aashish Capitals, and now Aadhar India Finvest, as its developer or NBFC. Its website still lists a handful of other lenders, and Aadhar's own partner page shows Loan112, not Rupee112. Cost is the bigger worry. A 10% fee plus GST comes off the top, and the advertised 35% APR matches the interest rate alone, so the real yearly cost is higher once the fee is counted. Pay late and you're charged 0.25% a day on the overdue principal. The privacy policy says SMS data goes to third parties and your app list goes to a device data firm, yet the Play Data safety form says nothing is collected. The terms even claim a right to track your location after you uninstall. If you're salaried and need ₹20,000 or more quickly, an app with one clearly named lender and a plain Key Fact Statement is the safer pick. If you still use Rupee112, read the KFS, check the amount you'll actually receive and repay only through its official repayment page.

Who Rupee112 suits

Salaried borrowers earning over ₹30,000 a month who need ₹20,000 or more quickly

People who can repay well before the due date, since no preclosure charge is listed

Borrowers who'll read the KFS line by line and walk away if the fee or term looks different

Look elsewhere if

You want one clearly named lender whose own website lists the app

You can't afford a 10% fee coming off the loan before the money reaches you

You're worried about recovery calls reaching your family or contacts

Not sure the app is genuine? Is Rupee112 real or fake? How to check it yourself

Things to Watch

The named NBFC has changed more than once this year, and Aadhar India Finvest's own partner page lists Loan112, not Rupee112.
Play Data safety says no data is collected, yet the privacy policy says SMS details are sent to third parties.
The terms claim a right to track your location even after you uninstall the app.
Borrowers report calls to family, verbal abuse and one-month repayment terms, below the stated 61-day minimum.
The newest five-star reviews come in bursts of near-identical one-liners, and one reviewer said they were paid.

How to Apply for Rupee112

1

Check who lends

Before sharing documents, find the NBFC named on the loan offer. It should be Aadhar India Finvest Limited or a lender whose own site lists Rupee112.
2

Register and complete KYC

Sign up with your mobile number and OTP, then upload PAN, Aadhaar, a selfie and bank details inside the app. Don't email KYC documents to anyone.
3

Read the KFS and sanction letter

Check the processing fee, the amount to be credited, the tenure and each due date. Walk away if the term is shorter than 61 days.
4

Accept and repay only on official channels

Set up the NACH mandate, then repay through the app or the repayment page on its official site, and keep every receipt.

Documents Required

PAN card

Aadhaar card

Recent salary slips, two to three months

Last 3 months' bank statements from your salary account

Address proof such as an electricity or LPG bill

What Real Users Say

Treat the 4.3 with caution. The newest reviews are dominated by short, repeated five-star lines posted in bursts, some praise other products entirely, and one reviewer wrote that the reviews were paid.

The Play listing shows 4.3 stars from 32,752 ratings, but the split is lopsided: 26,669 five-star and 5,310 one-star, with very few in between. Detailed recent reviews lean clearly negative.

What users love

Happy reviewers mention quick KYC, an easy form and money arriving within minutes in an emergency, though even some of them say the interest is high.

Common complaints

October 2026 complaints centre on recovery calls before the due date, abuse and calls to relatives, loans shown as disbursed but not credited, high charges and short terms. One borrower said they got ₹15,000 and owed ₹24,120 after one month.

How Rupee112 Compares

vs KreditBee — A regulated option covering a similar ticket size; compare its KFS fee and lender disclosure with Rupee112's before you choose.

vs Moneyview — Worth checking if you're salaried and want a personal loan whose fee and tenure are set out clearly before you sign.

vs Fibe — Another regulated app for salaried borrowers; see whether its total cost beats a 10% upfront fee on a short loan.

How we tested

On 30 October 2026 we read Rupee112's website pages, its Google Play listing, the Data safety page and the newest Play reviews, plus archived copies of earlier store listings. We checked the own sites of Aadhar India Finvest and the other NBFCs it names, and RBI's NBFC register as on September 30, 2026. RBI's Digital Lending Apps directory and cancelled registration list wouldn't load for us. We didn't take a loan, so speed and recovery conduct come from user reports.

Rupee112 Customer Support Details

Rupee112 is the app of Aadhar India Finvest, an RBI-registered NBFC. Its partner page lists four more NBFCs, so check your loan papers for your lender. No support hours are published; replies take 24 to 48 business hours. To escalate, write to grievance officer Sharad Adhikari (+91-9355500814). Then write to Aadhar's grievance officer, Sushil Kumar Poddar (+91-9355954464, grievance@aadharindiafinvest.com). Rupee112's pages name Divya Agnihotri for that role instead, so address both. The Play listing shows another care number, +91-91125-39112.

Rupee112 customer care number	+91-7835019091
Rupee112 WhatsApp number	9355388936
Rupee112 customer support email ID	care@rupee112.com
Registered lending entity	Aadhar India Finvest Limited (RBI-registered NBFC), which runs the app itself; the Rupee112 partner page also lists Dev-Aashish Capital, Devmuni Leasing & Finance, Vrinda Finlease and Solomon Capital
Rupee112 grievance officer email	grievance@rupee112.com

Verified from Rupee112'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 Rupee112 customer care page → All lender, bank & insurer contacts →

Frequently Asked Questions

Is Rupee112 safe and RBI registered?

Rupee112 is the app brand of Aadhar India Finvest Limited, an NBFC listed in RBI's register as on September 30, 2026, so the lender is regulated. But the app has named other NBFCs before, its website lists several lenders, and Aadhar's own partner page doesn't show Rupee112. We couldn't open RBI's Digital Lending Apps directory to confirm the link, so check the lender on your sanction letter.

What does a Rupee112 loan really cost?

Rupee112 states a fixed 35% APR, or up to 2.9% a month. Its website adds a 10% processing fee plus 18% GST, taken out of the loan upfront, though the Play listing says 2%. On ₹50,000 over 12 months at 35% with the 10% fee, you'd receive about ₹44,100 and repay ₹59,978. Paying late adds 0.25% a day on overdue principal.

How much can I borrow from Rupee112, and for how long?

The website's rate table says ₹20,000 to ₹5,00,000 for 61 to 365 days. Other pages disagree: the Play listing starts at ₹5,000, the FAQ page stops at ₹1,20,000 and the About page at ₹1,50,000. Some borrowers report one-month loans, which would break the stated minimum. Whatever the app offers you, confirm the amount and tenure in the Key Fact Statement before signing.

Who is eligible for a Rupee112 loan, and what documents do I need?

The website says you must be an Indian resident, salaried, aged 21 to 55 and earning over ₹30,000 a month. The Play listing says 25 or above and also allows self-employed people. Expect to give PAN, Aadhaar, salary slips, 3 months of bank statements, address proof such as an electricity or LPG bill, and a selfie. Upload them only inside the app.

What is the Rupee112 customer care number, and how do I complain?

The website lists +91-7835019091 and care@rupee112.com, while the Play listing gives +91-91125-39112. For grievances, write to grievance@rupee112.com, where the privacy policy names Sharad Adhikari. You can escalate to the lender's grievance officer, Sushil Kumar Poddar, at grievance@aadharindiafinvest.com. If nothing is fixed within 30 days, complain on RBI's Complaint Management System.

What can I do if Rupee112 recovery agents call my family or contacts?

Stay calm and note the date, number and what was said. RBI's digital lending rules bar lending apps from accessing your contact list, and lenders must share a recovery agent's details with you before that agent calls. Email the grievance officer with your evidence and, if it isn't resolved, complain to RBI. For threats or abuse, file a police or cyber crime complaint as well.

How do I file a complaint against Rupee112?

Work the escalation ladder in order. First, raise the complaint with Rupee112 support (care@rupee112.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@rupee112.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 Rupee112 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@rupee112.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.

Download Rupee112

Get instant loan in minutes

Apply Now

Play Store

Compare With

Compare Apps

Rupee112 Tools

Rupee112 EMI Calculator

All Loan App Reviews

See how Rupee112 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	You're here
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	Read Review
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