The Zenith Loan App Reviews, Customer Care Number & Details

Web-only payday-style loans from Kolkata NBFC Zenith Machinery, at very high stated rates

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

The Zenith Loan is a web-only, short-term loan brand, and the lender is the company that runs it: Zenith Machinery Private Limited, a Kolkata NBFC listed in RBI's register. What you most need to know is the price, because the lender's own interest rate policy puts its minimum expected rate at about 264% a year, on loans you repay in 10 to 30 days. There's no Google Play app, and the website's pages don't agree with each other on amounts, tenure, rates or fees. We read every policy page, checked the lender in RBI's list and lined up what each page says. Below you'll find what a loan really costs, how to complain, and which regulated apps to look at instead, as of October 2026.

Quick Facts

₹1L

Max Loan

264% to 456% a year

Interest Rate

Homepage: verification within 24-48 hours, funds within 24 hours; FAQ: 10-15 minutes after approval (conflict, unverified)

Disbursal

10 days to 1 months

Tenure

5% to 10% + GST

Processing Fee

₹40,000 per month

Min Income

Our Ratings

Disbursal speed 2.5/5

The site promises money anywhere from minutes to a day after checks, but its pages disagree and we couldn't test it.

Interest & cost 0.5/5

The lender's own policy sets a minimum expected rate of about 264% a year, plus a fee of up to 10% of the loan.

App experience 2.0/5

There's no Play Store app, only a web journey whose pages give clashing amounts, tenures and rates.

Customer support 3.0/5

A phone line, support email, named grievance and nodal officers, and a second level at the NBFC are all published.

Safety & transparency 2.0/5

The lender is in RBI's NBFC list, but contradictory pricing, an unconfirmed DLA listing and a location clause drag it down.

Loan Details & Charges

Loan Amount ₹5,000 to ₹1,00,000

Interest Rate 264% to 456% a year

Tenure 10 days to 1 months

Processing Fee 5% to 10% + GST

Late Payment Penal interest at the contracted default rate on the overdue instalment for the days of delay; amount not published (KFS only)

Foreclosure Homepage: no pre-closure or prepayment charges; personal-loan page: 2-3% of outstanding principal after 3 months (conflict)

Bounce Charges EMI/ECS/ACH mandate return and handling charges per the schedule of charges; amount not published

Eligibility Criteria

Age 21-58 years

Min Income ₹40,000 per month

CIBIL Score 650+

Employment Salaried only

Documents PAN, Aadhaar, last 3 months' bank statement (or account aggregator), live selfie, 2 references

What It Actually Costs

Loan amount ₹20,000

Tenure 1 month (30 days)

Monthly EMI ₹24,400 (one repayment, no EMI)

Total interest ₹4,400

Processing fee ₹1,000 + ₹180 GST = ₹1,180, deducted upfront

Total repayment ₹24,400

Illustrative: ₹20,000 repaid in one go after 30 days at the lender's stated minimum of 264% a year, with the lowest fee in its 5% to 10% range plus 18% GST, so you'd receive ₹18,820 and repay ₹24,400. At 456%, the top of its typical range, the interest alone would be ₹7,600.

Try the The Zenith Loan EMI calculator

Pros

The lender, Zenith Machinery Private Limited, is in RBI's NBFC list
Bank-transfer repayments go to an account in the NBFC's own name
Grievance officer, nodal officer and NBFC-level escalation contacts are all published
Fees come out of the payout, so nothing is charged just for applying
The homepage says there are no pre-closure or prepayment charges

Cons

The lender's own policy puts its minimum expected rate at about 264% a year
Tenure is only 10 to 30 days, so the full amount plus interest falls due within a month
Pages contradict each other on amount, tenure, rate, processing fee and pre-closure charges
No Google Play app; the web journey asks for a selfie, bank data and 2 references
The terms let the company track your location even after you uninstall, until dues are cleared

Our Verdict

The Zenith Loan isn't an anonymous app with nobody behind it. Zenith Machinery Private Limited is in RBI's NBFC list as on 30 September 2026, its CIN matches the one in the site's footer, repayments go to a bank account in the NBFC's own name, and both the brand and the NBFC publish grievance and nodal officers. Plenty of small web lenders don't manage that much. The trouble is price and clarity. The lender's policy says its minimum expected rate is about 264% a year, and that the top of its 326% to 456% range applies to first-time borrowers and ultra-short loans, which is exactly what this product is. On our illustrative ₹20,000 loan you'd get ₹18,820 in hand and owe ₹24,400 a month later. The site then contradicts itself: one page shows 12% to 24% a year over months, the rate policy caps salary advances at 382.5%, and the FAQ talks about ₹50,000 to ₹5,00,000. We'd only consider it after reading the Key Fact Statement line by line and checking that your next salary covers the whole repayment. If a regulated app will lend you the same sum over monthly EMIs, that's the safer route. The location-tracking clause in the terms is another reason to pause.

Who The Zenith Loan suits

A salaried borrower earning over ₹40,000 a month who needs a small sum for a few weeks and has no cheaper regulated option

Someone who has read the Key Fact Statement and is sure the next salary will cover the full repayment on the due date

A borrower who wants to deal with the NBFC's own brand rather than a marketplace that passes data to several lenders

Look elsewhere if

You want monthly EMIs over several months rather than one repayment within 30 days

You want a lender whose rate, fee and tenure read the same on every page

You'd rather use a Play Store app you can check against RBI's DLA directory before applying

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

Things to Watch

The lender says the top of its 326% to 456% a year range applies to first-time and ultra-short loans like this one
The site's rate policy and the lender's own PDF give different rate caps, so you can't tell which one applies
We couldn't confirm the brand in RBI's Digital Lending Apps directory ourselves
The outsourcing partner is named as Credwise Fintech Pvt. Ltd. in one place and Fintech Cloud Pvt Ltd in another
Tracking your location after you uninstall goes well beyond what a lender needs to approve a loan

How to Apply for The Zenith Loan

1

Check the lender first

Make sure the loan documents name Zenith Machinery Private Limited and match the CIN in the site's footer before you share anything.
2

Enter PAN and mobile number

The web journey starts with your PAN and a mobile OTP, then asks for your employer, salary and salary date.
3

Share bank data, a selfie and references

You upload a bank statement or use the account aggregator route, take a live selfie, and add 2 references.
4

Read the KFS, then e-sign

Before you e-sign and approve the UPI Autopay mandate, check the KFS for the annual rate, fee and penal charges. Stop if they don't match what you were shown.

Documents Required

PAN card

Aadhaar card

Bank statement for the last 3 months

A live selfie for KYC

Contact details of 2 references

What Real Users Say

The site shows its own user rating and customer counts, but with no store listing there's no independent rating to check them against.

We found no Google Play listing for The Zenith Loan, so there are no store ratings or dated user reviews to read. The only reviews we saw are testimonials on the company's own homepage.

What users love

The homepage testimonials praise a simple application and seeing the repayment amount before confirming. They're published by the company itself and we couldn't verify who wrote them.

Common complaints

We found no dated complaints, bans or police action in the sources we use. For a web-only lender with no store reviews, that silence isn't proof of a clean record.

How The Zenith Loan Compares

vs mPokket — mPokket also serves small, short-term needs, and it lends through a Play Store app you can check before sharing documents.

vs KreditBee — KreditBee is a regulated lender with a far wider loan range, so it's worth getting a quote before taking a payday-style loan.

vs FlexSalary — FlexSalary targets the same salaried borrowers, so compare its Key Fact Statement side by side with The Zenith Loan's.

How we tested

On 30 October 2026 we read The Zenith Loan's website, including its interest rate policy, fair practices code, terms, privacy and grievance pages, and the policy PDFs on Zenith Machinery's own site. We checked the lender in RBI's NBFC list as on 30 September 2026 using an Internet Archive copy. We searched Google Play and found no app. RBI's Digital Lending Apps directory wouldn't load for us, and we didn't take a loan, so payout speed and the actual KFS are unverified.

The Zenith Loan Customer Support Details

The Zenith Loan is a website brand of Zenith Machinery, an RBI-registered NBFC that lends. There is no official app on Google Play, so ignore APK links. Customer care works 10 am to 6:30 pm, Monday to Saturday. To escalate, call grievance officer Mr. Ritik Prasad (+91 9319195645, 9 am to 5:30 pm), who aims to reply in 7 business days. Then try Nodal Officer Mr. Aayush Dixit (+91 9319195648). Still stuck? Write to the lender's own grievance officer, Mr. Rajinder Kumar (+91-7303089376, grievance@zenithmachinery.in).

The Zenith Loan customer care number	+91 9319195649
The Zenith Loan WhatsApp number	+91 9319195649
The Zenith Loan customer support email ID	support@thezenithloan.com
Registered lending entity	Zenith Machinery Private Limited (RBI-registered NBFC), which runs the website itself; Credwise Fintech and Fintech Cloud are named as service partners
The Zenith Loan grievance officer email	grievance@thezenithloan.com

Verified from The Zenith Loan'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 The Zenith Loan customer care page → All lender, bank & insurer contacts →

Frequently Asked Questions

Is The Zenith Loan safe and RBI registered?

The lender behind The Zenith Loan is Zenith Machinery Private Limited, which appears in RBI's NBFC list as on 30 September 2026 under the Kolkata regional office. The brand isn't a separate company; the NBFC runs it. We couldn't open RBI's Digital Lending Apps directory to confirm the listing ourselves, and the pricing is very high, so registration alone doesn't make it a good deal.

What is the real interest rate and cost of The Zenith Loan?

Expect a very high cost. Zenith Machinery's own interest rate policy puts its minimum expected rate at about 264% a year and its typical range at 326% to 456%. The site's policy adds a processing fee of 5% to 10% of the loan, plus GST, taken out of the payout. On ₹20,000 for a month at 264%, you'd receive ₹18,820 and repay ₹24,400.

How much can I borrow from The Zenith Loan and for how long?

The homepage offers ₹10,000 to ₹1,00,000 for 10 to 30 days. The site's rate policy says ₹5,000 to ₹1,00,000 over 7 days to 3 months, while other pages mention up to ₹5,00,000 over many months. We treat the homepage figures as the live product, but rely only on the amount and due date printed in your sanction letter and KFS.

Who is eligible for The Zenith Loan and what documents are needed?

The homepage asks for a net monthly salary above ₹40,000, and the FAQ says salaried professionals can apply. Another page lists an age of 21 to 58 years and prefers a credit score of 650 or more. You'll need PAN, Aadhaar and your last 3 months of bank statements, plus a live selfie and 2 references during the web application.

What is The Zenith Loan customer care number and how do I complain?

Customer care is +91 9319195649, from 10:00 AM to 06:30 PM, Monday to Saturday. If that doesn't help, contact grievance officer Ritik Prasad on +91 9319195645; the policy promises a resolution within 7 business days. The NBFC's own site lists a second-level grievance officer, Rajinder Kumar, on +91-7303089376. If it's still unresolved after one month, complain to RBI.

Is there a Zenith Loan app on the Google Play Store?

No. We searched Google Play on 30 October 2026 for The Zenith Loan, its brand name and its lender, and found no listing. The terms and grievance policy refer to a mobile application, but the only working route we found is the website. Be wary of any Play Store app or APK file using the Zenith name, and check which lender it names inside.

How do I file a complaint against The Zenith Loan?

Work the escalation ladder in order. First, raise the complaint with The Zenith Loan support (support@thezenithloan.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@thezenithloan.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 The Zenith Loan 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@thezenithloan.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 The Zenith Loan

Get instant loan in minutes

Apply Now

Compare With

Compare Apps

The Zenith Loan Tools

The Zenith Loan EMI Calculator

All Loan App Reviews

See how The Zenith Loan 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	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	You're here
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