True Fund App Reviews, Customer Care Number & Details

A web-first small-ticket personal loan brand of Agrim Fincap, an RBI-registered NBFC that publishes no rate card, KFS or grievance details.

This True Fund app review covers interest rates, eligibility, charges, documents and real borrower feedback, along with the verified True Fund customer care number 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 28 July 2026

First, let's untangle the name, because three different products get mixed up here. The Play Store app called 'True Funds' is an unrelated mutual-fund investing app by TrueEthos India LLP — not a lender. And True Fund is not True Balance, the large Korean-backed loan app. The lender we're reviewing is True Fund (truefund.in), a digital lending brand of Agrim Fincap Private Limited, a Delhi NBFC incorporated in 1995.

So it's not fake — Agrim Fincap self-states RBI registration B-14.02333 and lends off its own balance sheet. But it's opaque. True Fund publishes no crawlable interest rates, no Key Fact Statement and no grievance officer details, and Agrim runs five near-identical lending brands. Its sister app Speedoloan is listed at up to 1% interest per day — an APR around 547%. That's the pricing family you'd be borrowing from.

Quick Facts

undefined

Max Loan

Not disclosed

Interest Rate

Marketed as instant; not independently verified

Disbursal

Not disclosed

Tenure

Not clearly disclosed — indexed FAQ content suggests roughly 3%–15% + 18% GST

Processing Fee

Rs 10,000+/month

Min Income

Our Ratings

Disbursal speed 2.5/5

Marketed as instant, and the sister brand claims ~5-minute approval with 1-business-day disbursal — but nothing is independently verified for True Fund itself.

Interest & cost 1.5/5

No published rates at all. Indexed fees of ~3%–15% + GST and a sister app listed at up to 1%/day (APR ~547.5%) point to a very high-cost operation.

App experience 2.0/5

No verifiable Play Store listing — a web-only flow on a site that renders as a JavaScript shell to crawlers, with high name-confusion risk.

Customer support 2.0/5

No grievance officer details published, no independent support track record, and harassment allegations against a sister brand's recovery practices.

Safety & transparency 2.0/5

A real RBI-registered NBFC behind it, but with a registration-number discrepancy across sources and near-total pricing opacity — we score it accordingly and say so plainly.

Loan Details & Charges

Loan Amount Not disclosed
Interest Rate Not disclosed
Tenure Not disclosed
Processing Fee Not clearly disclosed — indexed FAQ content suggests roughly 3%–15% + 18% GST
Late Payment Charges apply per the site's FAQ; amounts not disclosed
Prepayment Not disclosed
Foreclosure Not disclosed

Eligibility Criteria

Age 18-65 years
Min Income Rs 10,000+/month
Employment salaried
Documents PAN, Aadhaar, bank statements, income proof

What It Actually Costs

Loan amount Cannot be illustrated
Tenure Not disclosed
Monthly EMI Not calculable
Total interest Unknown
Processing fee Not disclosed (indexed FAQ suggests ~3%–15% + GST)
Total repayment Unknown

True Fund publishes no rate card, loan amounts or tenures, so an honest cost example is impossible — that opacity is itself the finding. For scale: sister app Speedoloan is listed at up to 1%/day, an APR around 547.5%.

Try the True Fund EMI calculator

Pros

  • Backed by a real NBFC — Agrim Fincap Private Limited (incorporated 1995) lends off its own balance sheet, not a rent-an-NBFC arrangement
  • Low entry bar: 18+ age and roughly Rs 10,000/month income, aimed at borrowers mainstream lenders reject
  • Simple web-first application at truefund.in with a short document list (PAN, Aadhaar, bank statements, income proof)

Cons

  • No published interest rates, APR, loan amounts, tenures or Key Fact Statement anywhere we could verify
  • Indexed FAQ content suggests processing fees of roughly 3%–15% + 18% GST — very high for short tenures, and not re-verifiable on the live site
  • Sister app Speedoloan is listed at up to 1% interest per day (APR ~547.5%) — the operator's pricing pattern is high-cost short-term
  • No grievance officer details published, and no verifiable Play Store listing, rating or download count for True Fund itself
  • Constant confusion risk: 'True Funds' on the Play Store is an unrelated mutual-fund app, and True Fund is not True Balance

Our Verdict

True Fund sits in the worst category for a borrower: legal but opaque. The company behind it is a real, RBI-registered NBFC, so this isn't a scam-app warning. It's a cost-and-conduct warning. When a lender won't publish its rates, fees, tenures or Key Fact Statement anywhere a crawler can see, you find out the real price only after you've handed over your PAN, Aadhaar and bank statements. The circumstantial evidence is not reassuring. Agrim Fincap operates five near-identical lending brands, its sister app Speedoloan is listed at up to 1%/day (APR ~547.5%) with fees up to 10%, and that brand carries user-reported allegations of recovery calls to family and colleagues and contact-list access. True Fund's own indexed FAQ suggests processing fees of roughly 3%–15% plus GST, which on a short tenure implies a very high effective APR. None of these numbers is verifiable on the live site — which is precisely the problem. If you're considering True Fund anyway, treat the Key Fact Statement as your only source of truth: demand the APR, all fees, the tenure and the grievance officer's details in writing before you complete KYC, and cross-check Agrim Fincap on the RBI's NBFC list. For almost everyone, a transparent regulated alternative like True Balance, mPokket or KreditBee is the better call — their prices are high too, but at least they're printed where you can read them first.

Who True Fund suits

Almost nobody as a first choice — this is a last-resort option at best
Salaried borrowers earning above ~Rs 10,000/month who have been declined by every transparent lender, and who obtain and read the full KFS before signing
Borrowers who have independently verified Agrim Fincap on the RBI NBFC register and are prepared for high short-tenure costs

Look elsewhere if

You qualify for any lender that publishes its rates — mPokket, KreditBee or True Balance are transparent about pricing before KYC
You aren't given a Key Fact Statement with APR, fees and grievance contacts in writing before e-signing
You're uncomfortable sharing PAN, Aadhaar and bank statements with a lender whose sister brand faces contact-scraping and recovery-harassment allegations
You actually wanted True Balance or a mutual-fund app — this is neither

Things to Watch

  • Agrim Fincap runs five near-identical lending brands (True Fund, SpeedoLoan, RupyaLelo, ShreeLoan, PaisaAnytime) — multi-brand fragmentation is a pattern typical of high-cost short-tenure loan operations
  • Sister brand Speedoloan is listed at up to 1%/day interest (APR ~547.5%) with fees up to 10%, and carries user-reported allegations of recovery calls to family/colleagues and contact-list access
  • truefund.in exposes no crawlable rates, APR, KFS or grievance officer details — you learn the real price only after submitting KYC
  • RBI registration number inconsistency across sources (B-14.02333 self-stated vs NBFC-14.03268 in a third-party record) — verify Agrim Fincap on the RBI NBFC list yourself before relying on it
  • Any Play Store rating you see for 'True Funds' belongs to an unrelated mutual-fund app, not this lender — don't let it stand in for due diligence

How to Apply for True Fund

  1. 1

    Confirm you're on the right site

    Go to truefund.in directly — not the 'True Funds' Play Store app (an unrelated mutual-fund product) and not True Balance.

  2. 2

    Register and share details

    Enter your mobile number, personal and employment details. Expect to provide PAN, Aadhaar, bank statements and income proof.

  3. 3

    Demand the Key Fact Statement first

    Before completing KYC or e-signing, insist on the KFS in writing: APR, all fees, tenure, penalties and the grievance officer's contact. If it isn't provided, stop.

  4. 4

    Verify, then decide

    Cross-check Agrim Fincap Private Limited on the RBI NBFC register and compare the offered APR against transparent alternatives before accepting disbursal.

Documents Required

PAN card
Aadhaar
Bank statements
Income proof

What Real Users Say

No store rating exists for True Fund — applications run through truefund.in, not a verifiable Play listing. Any rating you find for 'True Funds' belongs to the unrelated mutual-fund app of that name.

There is effectively no independent True Fund-specific user feedback to weigh — itself unusual for a live lending brand.

What users love

No independent True Fund reviews found; the operator's own marketing claims fast approval and minimal documentation.

Common complaints

None specific to True Fund. Sister brand Speedo Loan carries user-reported allegations of recovery calls to family and colleagues, contact-list access, demands for extra money after repayment, and daily harassment using personal details.

How True Fund Compares

vs True Balance — The app True Fund is most confused with — an unrelated, much larger lender with published terms and 75M+ users. If you meant True Balance, read that review instead.

vs mPokket — The closest small-ticket competitor, but with transparent pricing and an established Play Store presence — a materially safer starting point for tiny emergency loans.

vs KreditBee — A mainstream regulated alternative with published rate cards and a real review history. Expensive at the top of its band, but at least the band is printed.

How we tested

We attempted to verify True Fund's published rates, fees and terms on truefund.in (which renders only via JavaScript and exposes no rate card, KFS or grievance details to crawlers), cross-checked Agrim Fincap against RBI NBFC records and corporate registries, mapped the operator's five lending brands, and reviewed consumer-forum feedback on sister brands. Conduct complaints are user-reported allegations, not adjudicated findings. Figures are as of mid-2026; where a number could not be verified, we say 'Not disclosed' rather than guess.

True Fund Customer Support Details

True Fund's app domain publishes no readable contacts, so these belong to Agrim Fincap, the RBI-registered NBFC behind it — a toll-free line plus a named grievance officer. Beware a widely circulated alternative helpline for True Fund that appears only on unofficial pages; the NBFC's own published number is the one to use.

True Fund customer care number 1800-309-2760
True Fund WhatsApp number NA
True Fund customer support email ID care@agrimfincap.com
Registered lending entity Agrim Fincap Private Limited (RBI-registered NBFC)
True Fund grievance officer email gro@agrimfincap.com

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

Frequently Asked Questions

Is True Fund RBI registered?
Lending in India can only be done by an RBI-regulated bank or NBFC, but many loan apps are not themselves the lender — they are digital lending platforms operating for a partner NBFC. For True Fund, the registered lending entity is Agrim Fincap Private Limited (RBI-registered NBFC). To verify for yourself: open the app and find the lender name it is required to disclose, then search that exact name in the RBI's public list of registered NBFCs on rbi.org.in. If an app will not tell you which regulated entity is lending you the money, treat that as a reason not to borrow from it.
What is the True Fund customer care number?
The True Fund customer care number is 1800-309-2760. You can also email care@agrimfincap.com. Always cross-check this against the number shown inside the True Fund app before calling — fake customer-care numbers are one of India's most common financial frauds, and no genuine lender will ever ask you for an OTP, PIN or card details.
How do I file a complaint against True Fund?
Work the escalation ladder in order. First, raise the complaint with True Fund support (care@agrimfincap.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 gro@agrimfincap.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 True Fund 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 (gro@agrimfincap.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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SMFG India Credit Company Limited

2.6 ₹10L 12.50% – 30.00% p.a. Read Review

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