TapLend App Reviews, Customer Care Number & Details

Short-term loan app, ₹1,000 to ₹2,00,000, lent by RBI-registered NBFC Barbarik Finco

This TapLend app review covers interest rates, eligibility, charges, documents and real borrower feedback, along with the verified TapLend customer care number 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

TapLend is a short-term personal loan app that offers ₹1,000 to ₹2,00,000, repaid in instalments over a few months. The lender is Barbarik Finco Private Limited, a Delhi NBFC on RBI's register that used to be called Baba Lease and Investment, and the thing you most need to know is the cost: a 10% processing fee and a 2% risk fee, plus GST, come off your loan before it reaches you. That's on top of interest of up to 36% a year. As of October 2026 the app shows 4.5 stars on Google Play, but many recent five-star reviews are about renting flats or booking home help, not loans. TapLend's own pages also disagree on fees, foreclosure and even its RBI registration number, so trust only the Key Fact Statement in the app.

Quick Facts

4.5★ · 18.3K

Play Store

₹2L

Max Loan

24% to 36% a year

Interest Rate

TapLend claims disbursal within 5 minutes of approval (Play listing says emergency funds in 10 mins); not verified

Disbursal

2.1 months to 4.3 months

Tenure

2% to 10% + GST

Processing Fee

₹15,000 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

TapLend says money arrives within 5 minutes of approval and some reviewers agree, but others describe rejections and open-ended delay messages.

Interest & cost 1.5/5

Interest of up to 36% a year, plus a 10% processing fee, a 2% risk fee and GST taken upfront, makes this a costly way to borrow.

App experience 2.0/5

The journey is fully digital, but reviewers report KYC errors, area-not-available blocks and repayments that don't show up in the app.

Customer support 2.0/5

Named grievance and nodal officers are published, yet many reviewers say calls and emails go unanswered, and the site lists two sets of hours.

Safety & transparency 2.0/5

The lender is on RBI's register, but clashing disclosures, off-topic five-star reviews and SMS data sharing pull the score down.

Loan Details & Charges

Loan Amount ₹1,000 to ₹2,00,000

Interest Rate 24% to 36% a year

Tenure 2.1 months to 4.3 months

Processing Fee 2% to 10% + GST

Late Payment 2% of overdue principal on the first overdue day, then 0.2% per day of principal overdue, plus overdue interest at 24% to 36% a year on the principal overdue (plus GST)

Foreclosure Conflicting: 4% foreclosure charge (website schedule and loan summary); the signed PDF says interest is charged for the remaining days; the homepage says zero charges

Bounce Charges ₹100 for a dishonoured UPI e-mandate, NACH or ECS (plus GST)

Eligibility Criteria

Age 21-58 years

Min Income ₹15,000 per month

Employment Salaried, self-employed

Documents PAN, Aadhaar, selfie for video KYC, last 3 months' bank statement (PDF); salary slips or business proof if asked

What It Actually Costs

Loan amount ₹50,000

Tenure 4 months

Monthly EMI ₹13,451

Total interest ₹3,805

Processing fee ₹7,080 (10% processing plus 2% risk fee, with 18% GST), and the ₹25 signing fee with GST takes it to about ₹7,110

Total repayment ₹53,805

Illustrative: 36% a year on a reducing balance over four monthly EMIs, with all fees and GST deducted upfront, so about ₹42,890 reaches your account and you repay ₹53,805. TapLend's own example charges interest on the full ₹50,000 for 128 days in eight instalments, so there you'd repay ₹56,400.

Try the TapLend EMI calculator

Pros

Lender Barbarik Finco is on RBI's NBFC register as on 30 September 2026
Small tickets from ₹1,000, so you can borrow only what you need
Fully digital: PAN, Aadhaar, a selfie and a bank statement, no branch visit
Shortest term on the Play listing is 64 days, not a one or two week payday loan
Publishes a named grievance officer and nodal officer with direct phone numbers

Cons

A 10% processing fee and 2% risk fee, plus GST, come off the loan before you get it
Its own example charges interest on the full ₹50,000 for the whole term, not a falling balance
Website, signed PDF and Play listing disagree on fees, foreclosure charges, tenure and APR
Only some locations are served, per its own replies, though the site claims nationwide reach
Reviewers report payments not updating, due-date collection calls and support that doesn't answer

Our Verdict

TapLend isn't an anonymous app. Barbarik Finco, the company behind it, is on RBI's NBFC register as on 30 September 2026, with its old name, Baba Lease and Investment, noted alongside. That puts it a clear step above the unregistered apps we warn people about. It's still an expensive way to borrow. On TapLend's own ₹50,000 example you receive ₹42,890 and repay ₹56,400 in eight instalments over 128 days. The 75.99% APR it prints is worked out on the full ₹50,000, not on the money that lands in your account, so the real yearly cost is higher than it looks. The Play listing even allows an APR of up to 125%. The bigger worry is trust. Five-star reviews about property rentals and home services sit on a loan app, the app shares SMS and installed-app data with third parties, and borrowers describe payments that don't update and collection calls on the due date. If you've been turned down elsewhere and need a small sum fast, it can work, but read the KFS line by line and check the autopay mandate before you approve it. Most people will do better with a cheaper regulated lender.

Who TapLend suits

You need a small sum for a few months and can repay on a fixed instalment schedule

You've been turned down by cheaper lenders and accept a high cost for speed

You're salaried or self-employed with income credited to a bank account

You live in an area the app actually serves

Look elsewhere if

You want monthly EMIs spread over a year or more

You want to know the full cost upfront without pages that contradict each other

You don't want your SMS and installed-app data shared for credit checks

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

Things to Watch

Five-star Play reviews about renting flats and booking home help, plus templated praise, suggest inorganic ratings
The app shares SMS and installed-app data with third parties, and its privacy policy says SMS may be collected even when the app is closed
Two RBI registration numbers (N-07.00784 and B-14.03554) and a claim of two partner NBFCs, though RBI lists one renamed company
Its 'LSPs & DLAs' page names no apps, only a debt recovery agent
Borrowers report calls to their references on the due date and one says the autopay mandate was set for 36 months

How to Apply for TapLend

1

Install the right app

Get Taplend: Personal Loan App on Google Play and check that the developer shows as Baba Lease & Investment Private Limited, the lender's former name.
2

Sign up and check eligibility

Register with your mobile number and basic details. If the app says your area isn't served, stop there rather than uploading documents.
3

Complete KYC

Do the PAN and Aadhaar eKYC, take the selfie and upload your last three months' bank statement as a PDF.
4

Read the KFS before you sign

Check the amount you'll actually receive, every fee, the instalment dates and the total you'll repay. If the numbers differ from the website, go by the KFS or walk away.
5

Set up autopay with care

Before approving the UPI autopay mandate, check its amount and end date match your loan, then sign the agreement digitally.

Documents Required

PAN card

Aadhaar card for identity and address

Selfie for video KYC

Last three months' bank statement as a PDF

Salary slips or business proof, if asked

What Real Users Say

Play shows 4.5 stars from 18.3K reviews as of October 2026, while TapLend's website claims 4.6. Many recent five-star reviews describe renting flats or booking home help, some one-star ratings carry praise text, and the developer itself replied that some reviews were meant for another app, so read the score with caution.

Recent Play reviews split sharply. Short five-star notes praise speed, while one-star reviews describe rejections, blocked locations and collection trouble. A lot of the five-star text looks inorganic.

What users love

Some borrowers say money reached their account within minutes, that the steps are simple and paperless, and that they got a small loan despite a low credit score. A few accept that the interest is on the high side for a quick unsecured loan.

Common complaints

The common themes are loans rejected without a reason (one reviewer cites a CIBIL score of 762), messages that the app isn't available in their city, EMI payments not reflecting so the loan shows overdue, collection calls on the due date and to references, wrong credit bureau reporting, and support that doesn't pick up.

How TapLend Compares

vs mPokket — mPokket serves a similar small-ticket need, so compare what each deducts upfront in its KFS before you pick.

vs KreditBee — KreditBee goes to much larger amounts, which helps if you need more than a short-term top-up.

vs True Balance — True Balance covers a similar ticket size, so it's worth checking which one leaves more money in your hand.

How we tested

On 30 October 2026 we read TapLend's Google Play listing, its Data safety page and the newest dated reviews from September and October 2026, plus the website's schedule of charges, signed policy files, privacy policy, terms and grievance pages. We matched the lender against an Internet Archive copy of RBI's NBFC register as on 30 September 2026. RBI's Digital Lending Apps directory, the cancelled-registration list and company records wouldn't load, and we didn't take a loan.

TapLend Customer Support Details

TapLend is the app of Barbarik Finco, an RBI-registered NBFC once called Baba Lease and Investment, so it lends to you directly. Its contact page gives two sets of hours. The helpline runs Monday to Saturday, 10 am to 7 pm, but the office says Monday to Friday, 10 am to 6:30 pm. To escalate, write to Grievance Officer Mr. Vikram Yadav (+91-9355871314). Then try Nodal Officer Mr. Mukul Padaliya (+91-9355871315, nodal@taplend.in). The Play listing shows a phone and email that TapLend's own site never uses, so stick to the ones here.

TapLend customer care number	+91-9355871316
TapLend WhatsApp number	NA
TapLend customer support email ID	help@taplend.in
Registered lending entity	Barbarik Finco Private Limited, formerly Baba Lease and Investment Private Limited (RBI-registered NBFC), which runs the app itself
TapLend grievance officer email	grievance@taplend.in

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

Frequently Asked Questions

Is TapLend safe and RBI registered?

TapLend is run by Barbarik Finco Private Limited, formerly Baba Lease and Investment, an NBFC on RBI's register under the New Delhi office as on 30 September 2026. So the lender is regulated. But its pages quote two registration numbers, N-07.00784 and B-14.03554, and we couldn't open RBI's Digital Lending Apps directory to confirm the app is listed. Check the lender's name on your KFS before you sign.

What does a TapLend loan really cost?

Interest runs from 24% to 36% a year under its schedule of charges, plus a processing fee of 2% to 10%, a 2% risk assessment fee, a flat ₹25 signing fee and 18% GST, all deducted upfront. On TapLend's own ₹50,000 example you get ₹42,890 and repay ₹56,400 over 128 days. Paying late adds 2% of the overdue principal on the first day, then 0.2% a day.

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

TapLend lends from ₹1,000 to ₹2,00,000. The Play listing gives a tenure of 64 to 120 days, while the website's examples run to 128 days in eight instalments, so you repay several times within a few months rather than in monthly EMIs over a year. TapLend says the amount you're offered depends on the lender's view of your income, credit score and repayment capacity.

Who can get a TapLend loan and what documents are needed?

The website asks for Indian residents aged 21 to 58 who are salaried or self-employed, with a bank account that has three months of history. The Play listing says 22 and above. Its loan guide mentions a minimum income of ₹15,000 a month for salaried people and ₹20,000 for the self-employed. You'll need PAN, Aadhaar, a selfie and your last three months' bank statement as a PDF.

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

TapLend's helpline is +91-9355871316, which its contact page says runs Monday to Saturday, 10 AM to 7 PM, though the same page also lists weekday-only office hours. For a complaint, go to grievance officer Vikram Yadav on +91-9355871314, then nodal officer Mukul Padaliya on +91-9355871315. If nothing is fixed within 30 days, take it to RBI through its Sachet or complaint management portal.

Why does TapLend say it isn't available in my area?

TapLend only lends in some locations. Its own replies to Play reviewers say services are available only in selected locations, and borrowers in Chennai, Bengaluru and Coimbatore have been told the app isn't available where they live, even though the website claims nationwide reach. If you see this, don't keep reapplying or uploading more documents. Try another regulated lender instead.

How do I file a complaint against TapLend?

Work the escalation ladder in order. First, raise the complaint with TapLend support (help@taplend.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@taplend.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 TapLend 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@taplend.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.

Download TapLend

Get instant loan in minutes

Apply Now

Play Store

Compare With

Compare Apps

TapLend Tools

TapLend EMI Calculator

All Loan App Reviews

See how TapLend 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	You're here
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	Read Review
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