SalariedLoan App Reviews, Customer Care Number & Details

Web-only salaried personal loans from Gopi Securities, an RBI-registered NBFC

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

NBFCRBI Regulated

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

SalariedLoan is a web-only personal loan brand for salaried people, and the money comes from Gopi Securities Private Limited, an NBFC listed in RBI's register. The lender is real, but the website's own terms contradict its loan details in places, so the Key Fact Statement you get before signing is the document that counts. As of October 2026 it offers ₹10,000 to ₹5,00,000 for 61 days to 12 months at a fixed 35% a year. A 2% processing fee, plus 18% GST on that fee, comes out of the loan before you get it. There's no Google Play app, so you apply on the website with PAN, Aadhaar, a selfie, salary slips and bank statements. We read its policies, the lender's site and RBI's register to see how the pieces fit.

Quick Facts

₹5L

Max Loan

35% a year

Interest Rate

Not reliably stated: the apply page claims approval and transfer in 15 minutes, the FAQ promises no fixed disbursal time, and the lender's site says within 30 minutes of approval (all unverified)

Disbursal

2 months to 12 months

Tenure

2% + GST

Processing Fee

₹25,000 per month

Min Income

Our Ratings

Disbursal speed 2.0/5

One page promises approval and transfer in 15 minutes, another promises no fixed timeline, and there are no borrower reviews to settle it.

Interest & cost 2.5/5

A single fixed rate of 35% a year plus a 2% fee and GST is shown clearly, but it's expensive and flat late fees pile on top.

App experience 2.5/5

There's no app; the web journey supports DigiLocker and account aggregator sharing but still wants slips, statements and a selfie.

Customer support 2.5/5

A named grievance officer, phone, email and RBI escalation route are published, though one mobile number does every job and stated hours conflict.

Safety & transparency 2.5/5

The lender is RBI-registered and declares the brand, but its terms, penal interest clause and location clause fall short of RBI rules.

Loan Details & Charges

Loan Amount ₹10,000 to ₹5,00,000

Interest Rate 35% a year

Tenure 2 months to 12 months

Processing Fee 2% + GST

Late Payment Flat late fees by delay and loan size: loans up to ₹1,00,000 pay ₹750 after 7 days, ₹1,500 after 14, ₹2,250 after 21 and ₹3,000 after 4 weeks (₹1,000 to ₹4,000 up to ₹3,00,000; ₹1,500 to ₹6,000 above), plus an extra 2% penal interest on the overdue amount beyond a month. Tracing, no-response and recovery-visit fees of ₹300 each.

Foreclosure No prepayment charge per the terms, but if fewer than 3 EMIs have been paid you owe the interest of the first 3 EMIs. Request prepayment by emailing care@gopisecurities.com.

Eligibility Criteria

Age 21-58 years

Min Income ₹25,000 per month

Employment Salaried only

Documents PAN, Aadhaar front and back (or DigiLocker KYC), selfie, last 3 months' salary slips, salary-account bank statement (3, 4 or 6 months depending on the page) or account aggregator consent, address proof if asked

What It Actually Costs

Loan amount ₹50,000

Tenure 12 months

Monthly EMI ₹4,998

Total interest ₹9,978

Processing fee ₹1,180 (₹1,000 fee plus ₹180 GST)

Total repayment ₹59,978

This is the representative example on SalariedLoan's apply page: 35% a year on a reducing balance over 12 EMIs, with the fee and 18% GST deducted before payout. You'd receive ₹48,820 in your bank account.

Try the SalariedLoan EMI calculator

Pros

Lender Gopi Securities is on RBI's NBFC register and names SalariedLoan as its own lending app
One published rate and fee, with a worked ₹50,000 example on the apply page
No upfront fee to apply; the processing fee is deducted from an approved loan
Loan sizes from ₹10,000 to ₹5,00,000 over 61 days to 12 months
Named grievance officer and a clear route to the RBI Ombudsman after 30 days

Cons

35% a year plus a 2% fee and GST is expensive for a salaried borrower
No Google Play app, so there are no public ratings or reviews to check
Its terms are a peer-to-peer template that contradicts the apply page on loan size
Flat late fees start at ₹750 after 7 days, with 2% penal interest after a month
Eligibility shifts by page: age 18 or 21, and bank statements for 3, 4 or 6 months

Our Verdict

SalariedLoan isn't a faceless loan site. Gopi Securities is on RBI's register, its disclosures page names SalariedLoan as its own digital lending app, and the price is published with a worked example. That already puts it ahead of the many apps that hide who lends. Still, 35% a year is a lot for a salaried borrower with a fair credit record. On a ₹50,000 loan over 12 months you'd get ₹48,820 in hand and pay back ₹59,978. The paperwork is where it slips. The terms you accept at sign-up describe lenders picking borrower profiles, escrow accounts and a co-signor, and one clause still names LenDenClub, a different company, as the domain owner. They cap loans at ₹80,000 while the apply page says ₹5,00,000. They add a 2% penal interest charge that clashes with the company's own disclosures and with RBI's penal-charges rules. The privacy policy also claims the right to track your location until you repay. If you do apply, treat the Key Fact Statement as the real contract and check the APR, fees and late charges in it. If a lower rate matters more to you than a quick decision, compare a regulated app with a longer public record first.

Who SalariedLoan suits

Salaried people earning above ₹25,000 a month who want a lender they can find in RBI's register

Borrowers who'd rather see one published rate up front than a wide range set after approval

Applicants in the cities and districts the lender lists as serviceable

Look elsewhere if

You want to read real borrower reviews first; SalariedLoan has none in public

Your credit record is strong enough to win a rate below 35% from another regulated lender

You're self-employed, since SalariedLoan lends only to salaried applicants

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

Things to Watch

The terms you accept describe lenders choosing borrowers, escrow accounts and a co-signor, which doesn't fit an NBFC lending its own money
A 2% penal interest charge in the terms clashes with RBI's penal-charges rules and with the company's own disclosures
The privacy policy lets the lender track your location until you repay; RBI allows location access once, for onboarding or KYC
We couldn't confirm the brand in RBI's Digital Lending Apps directory because the directory wouldn't load
Addresses don't match: two Faridabad offices on the company's pages and a New Delhi address in RBI's register

How to Apply for SalariedLoan

1

Start on the apply page

Enter your mobile number, PAN, monthly salary, date of birth and PIN code, then confirm the 5-digit OTP sent to your phone.
2

Complete KYC

Verify your identity through DigiLocker. If that fails, enter your details by hand and upload PAN and both sides of your Aadhaar.
3

Share income proof

Upload a selfie, your last 3 months' salary slips and a bank statement, or let the site fetch the statement through an account aggregator.
4

Read the offer before accepting

The offer can be lower than you asked for. Check the Key Fact Statement for the APR, fees, late charges and the amount you'll actually receive.
5

Repay on the website

Use the Repay Loan page: verify your PAN with an OTP, check the balance and pay through Razorpay or Cashfree.

Documents Required

PAN card

Aadhaar (front and back) or DigiLocker access

Last 3 months' salary slips

Salary-account bank statement, or account aggregator consent

A selfie, plus address proof such as a utility bill or rent agreement if asked

What Real Users Say

No Play Store rating exists for SalariedLoan. Treat any star rating or download count quoted for it elsewhere as unverified.

SalariedLoan has no Google Play listing and its website shows no dated customer reviews, so there's no borrower feedback we could verify.

What users love

Nothing we could confirm from real borrowers. In fairness, the help pages don't promise approval and they warn against paying anyone up front.

Common complaints

Our searches found no complaints, police reports or RBI cautions naming SalariedLoan or Gopi Securities. With no public review history, that isn't proof of good service.

How SalariedLoan Compares

vs CASHe — Also built around salaried borrowers, through a Play Store app with a public review record, so compare its offer before you accept a fixed 35%.

vs FlexSalary — A salaried-focused app from a named NBFC that also suits smaller amounts, with ratings you can read before applying.

vs Moneyview — Covers similar loan sizes through named lending partners and a long-running app, a sensible benchmark if your credit is good.

How we tested

On 30 October 2026 we read every page of the SalariedLoan website, including the terms, privacy policy, grievance page and regulatory disclosures last reviewed on 21 August 2026. We checked Gopi Securities' own site, RBI's NBFC register as on 30 September 2026, and RBI's rules on penal charges and digital lending. We searched Google Play and found no app. RBI's Digital Lending Apps directory wouldn't load, so that listing is unconfirmed. We didn't take a loan.

SalariedLoan Customer Support Details

SalariedLoan is a website run by Gopi Securities, the RBI-registered NBFC that also lends through Money Finserve. There is no official app on Google Play, so ignore APK links. Support works Monday to Saturday, 9 am to 6 pm, though the footer claims 24/7. The same number reaches grievance officer Tasleem Saifi. Email complaints with the subject 'Complaint & Grievance Register'. The company says it replies within 7 working days. Gopi Securities' own site lists +91 8800978013. SalariedLoan charges no fee to apply, so never pay one.

SalariedLoan customer care number	+91 9650299109
SalariedLoan WhatsApp number	+91 9650299109
SalariedLoan customer support email ID	care@gopisecurities.com
Registered lending entity	Gopi Securities Private Limited (RBI-registered NBFC), which runs the website itself and declares SalariedLoan as its digital lending application
SalariedLoan grievance officer email	grievance@gopisecurities.com

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

Frequently Asked Questions

Is SalariedLoan safe and RBI registered?

SalariedLoan isn't an NBFC itself. It's the website brand of Gopi Securities Private Limited, which is on RBI's list of registered NBFCs as on 30 September 2026, and the company names SalariedLoan as its own digital lending app. We couldn't open RBI's Digital Lending Apps directory to confirm the listing, and some clauses in its terms and privacy policy don't match RBI rules, so read the Key Fact Statement first.

What does a SalariedLoan loan really cost?

The site shows one rate: 2.9166% a month, or 35% a year. On top of that there's a 2% processing fee plus 18% GST on the fee, taken out of the payout. In its ₹50,000, 12-month example you receive ₹48,820, pay an EMI of ₹4,998 and repay ₹59,978 in total. Late fees start at ₹750 after 7 days.

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

As of October 2026 the apply page and disclosures list ₹10,000 to ₹5,00,000 over 61 days to 12 months. The terms of use say ₹10,000 to ₹80,000 for up to 24 months, which looks like leftover template text. What you're offered depends on your salary, credit record and existing EMIs, and it can be less than you asked for.

Who can get a SalariedLoan loan and what documents do I need?

You need to be a salaried Indian resident with a savings account and a fair CIBIL score, and the apply page asks for a salary above ₹25,000 a month. The home page sets the age band at 21 to 58 years. Keep PAN, Aadhaar, a selfie, 3 months' salary slips and a bank statement ready, or share statements through an account aggregator.

How do I contact SalariedLoan customer care or file a complaint?

Call or WhatsApp +91-9650299109, or email care@gopisecurities.com. For a complaint, write to grievance@gopisecurities.com with the subject Complaint & Grievance Register; the company says it replies within 7 working days. The nodal grievance officer is Tasleem Saifi. If it's still unresolved after 30 days, you can take it to the RBI Ombudsman through RBI's complaint portal.

Is there a SalariedLoan app on Google Play?

No. We searched Google Play on 30 October 2026 and found no SalariedLoan or Gopi Securities lending app, and the website doesn't link to one. You apply and repay on the website itself. Be wary of any Play Store app or APK that uses the SalariedLoan name. The KR Salaried Personal Loan App you may see in search results is a different, unrelated listing.

How do I stop harassment calls from SalariedLoan 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@gopisecurities.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.

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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