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RBI Registered Loan App | Exploring RBI Registered Loan Apps List 2023 PDF

RBI Registered Loan App | Exploring RBI Registered Loan Apps List 2023 PDF

RBI Registered Loan App Companies List 2023:- In today’s world financial needs of people can arise at any time. In such a situation, it becomes difficult to get a loan from the bank immediately. That’s why people use loan apps. But that loan app must be RBI registered. In such a situation, people want to get information about the RBI registered loan app list.

So in today’s article, we will get information about the RBI registered loan app list. Along with this, we will also know about some Best RBI-registered loan apps. So let’s start the article.

What is the RBI Registered loan app?

RBI Registered loan apps are such that provide us loans but it has got Approval by RBI. These apps are approved by the Reserve Bank of India to provide loans to individuals and businesses so that they do not charge more interest and fees and remain safe.

These apps have been evaluated and necessary approvals have been obtained to ensure compliance with regulatory guidelines. As a loan app, availing loans through these registered apps not only ensures legitimacy but also safeguards your interests and provides peace of mind during financial transactions.

We have released all NBFC RBI registered loan app company list in the post from where you can easily apply for the loan. You also see the credit limit and interest rate range shared in the RBI-approved NBFC list.

Which apps are included in the RBI Registered Loan App List?

There are many loan apps that are registered by RBI and we can include them in RBI Approved NBFC List. So let’s get to know about some of the Best RBI Registered Loan company lists.

RBI Registered Loan Apps for 2023 Credit Limit Interest Rate Range
Kreditbee Loan up to 2 Lakhs 10% – 36%
Kreditzy Loan up to 2 Lakhs 12% – 40%
Payments Loan up to 5 Lakhs 11% – 35%
NAVI Loan up to 5 Lakhs 9% – 34%
Lazypay (Credit Line + Personal Loan) Loan up to 1 Lakh 15% – 40%
Freopay (Credit Line) Rs. 10,000 13% – 38%
Stashfin – (Credit Line + Personal Loan) Loan up to 5 Lakhs 11% – 35%
Cashbean Loan up to 1 Lakh 12% – 37%
MI Credit Above 5 Lakhs 8% – 32%
Dhani (Credit Line) Loan up to 5 Lakhs 10% – 34%
Avail Finance Loan up to Rs. 50,000 14% – 39%
NIRA Loan up to 2 Lakhs 11% – 36%
Branch Loan up to Rs. 50,000 13% – 38%
Smartcoin Loan up to 2 Lakhs 10% – 35%
Rupeek App (Gold Loan) Loan up to 50 Lakhs 9% – 33%
Simple Pay Later (Credit Line) Loan up to 1 Lakh 15% – 40%
Mobikwik (Credit Line + Consumer Loan) Loan up to 2 Lakhs 12% – 37%
Paytm Personal Loan Loan up to 2 Lakhs 11% – 36%
Krazybee (Consumer Loan) Loan up to 2 Lakhs 13% – 38%
Bharatpur (Business Loan) Loan up to 5 Lakhs 10% – 35%
Paytm Postpaid (Credit Line) Loan up to 1 Lakh 14% – 39%
True Caller Loan up to 5 Lakhs 9% – 34%
Simply Cash Loan up to 2 Lakhs 11% – 36%
Slice (Credit Line) Loan up to 1 Lakh 15% – 40%
True Balance Up to Rs. 50,000 12% – 37%
Zest Money (Consumer Loan) Above 2 Lakhs 8% – 32%
Amazon Pay Later Up to Rs. 60,000 10% – 35%
Flipkart Pay Later Up to Rs. 60,000 11% – 36%
Tata Capital Above 10 Lakhs 9% – 33%
Tata Neu Credit card (Qik EMI Card) Rs. 10,000 to Rs. 150,000 12% – 37%
Tata Neu App (Qik Personal Loan) Rs. 10,000 to Rs. 10,00,000 10% – 34%
Ola Money Pay Later Rs. 1,500 to Rs. 20,000 13% – 38%
Khatabook App Rs. 50,000 to Rs. 10,00,000 14% – 39%
Jupiter credit limit Up to Rs. 50,000 15% – 40%
OneCard App Rs. 10,000 to Rs. 150,000 11% – 36%
Paisabazaar credit limit Rs. 50,000 to Rs. 10,00,000 12% – 37%
iMobile Pay Later Rs. 20,000 13% – 38%
SBI YONO APP Rs. 1,500 to Rs. 60,000 9% – 34%
IDFC Bank Pay later Rs. 1,500 to Rs. 60,000 10% – 35%
Bajaj Finserv App Rs. 50,000 to Rs. 5,00,000 11% – 36%
Rufilo Loan App Rs. 5,000 to Rs. 25,000 14% – 39%

 

How to verify RBI Registered Loan App?

There are many ways through which you can find out whether this loan app is actually registered with RBI or not and follows the rules and regulations of RBI. You can follow some of the below-mentioned methods for verification:-

By RBI website

The official website of the Reserve Bank of India provides a list of registered NBFCs which also includes loan apps. You can visit the website of RBI and get information about the Registered NBFC Loan App list.

  • First of all, you go to the official website of the Reserve Bank of India.
  • Now click on Non-Banking Financial Company on the home page of this website itself.
  • Here you will get the link to the Excel / PDF File on which you have to click.
  • After clicking, the link of this Excel / PDF file will open and in this, you can search the name of the app to see whether the loan from which you are going to take is RBI Registered or not.

Find out by Play Store

Applications like Google Play Store or Apple Play Store often have some information about the loan app. In which it is also written what is its regulatory status. You can go to your description or developer information section to see if it is RBI registered or not.

by calling customer support

Loan apps registered with RBI usually also provide you with a customer support number. You can reach out to your own customer support team and inquire about their RBI registered status.

RBI Registered Loan App List
RBI Registered Loan App List

You may also read: How to Get a Personal Loan from Loan Resource App

Benefits of using the RBI Registered Loan app

When you listen to an RBI registered loan app, you get a number of benefits which are as follows –

>> RBI Registered loan apps are scrutinized by the regulatory authority which gives them credibility. RBI Register Loan App instills confidence in the users as it follows the necessary guidelines and regulations.

>> RBI Registered or ensures that Loan App gives loans to customers at reasonable interest rates only and treats them properly. In case of any dispute or complaint, the registered loan app has grievance redressal mechanisms to address the concerns of the users.

>> If the loan app is registered by RBI then all the users can easily and legally take the right loan and they don’t even need to pay more interest.

Eligibility Criteria for RBI Registration

Loan apps have to fulfill certain criteria set by the Reserve Bank of India in order to get RBI registration. This Eligibility Criteria is something like this

RBI regulation compliance

Loan apps that go RBI-registered must demonstrate their compliance with the regulatory framework set up by the RBI. This includes following guidelines related to interest rates, repayment terms, loan documentation, and some fair practices.

Data Privacy & Security

RBI lays great emphasis on the protection of the customer’s son and his privacy. Loan apps must have strong data security to protect all information shared by users during the loan application and repayment process.

Transparency with customers

Transparency in operations and fair lending practices are essential for loan apps. RBI expects registered loan apps to provide clear and concise information on interest rates, fees, repayment processes, and any other charges associated with the loan.

Eligibility Criteria for availing loan through RBI Registered Loan App

If you take a loan from an RBI-registered loan, then you have to fulfill certain eligibility criteria which are as follows –

  • Your age should be between 18 years to 60 years. But if you are self-employed then your age should be between 21 years to 65 years.
  • The minimum income for any salaried person has been kept at ₹ 15000 per month. On the other hand, if we talk about a self-employed person, then it is necessary for him to earn 1500000 rupees per year.
  • People who receive a fixed monthly salary should have worked for at least one year. For a self-employed person, it is necessary to have a continuous business for 2 years.
  • Any applicant must have a credit score of 750 or above.

What is the RBI Approved NBFC list?

Along with the loan app list, let us also know about the NBFC Registered Loan app list so that you can take a loan through Non-Banking Finance Corporation as well.

  • Aditya Birla Finance Limited
  • DMI Finance Private Limited
  • Kisetsu Saison Finance (India) Private Limited
  • Growth Source Financial Technologies Private Limited
  • Fullerton India Credit Company Limited
  • Western Capital Advisors Private Limited
  • INCRED Financial Services Limited
  • IDFC First Bank Limited
  • Piramal Capital & Housing Finance Limited
  • Navi Finserv Limited

FAQs- RBI Registered Loan App List All

  1. Which is the instant loan app?

Ans- There are many apps that provide instant loans. In this article, we have given information about many such valid loans for you.

  1. Is the Navi app approved by RBI?

Ans- Yes, NAVI is approved by RBI for you. Because neither do you follow all the RBI rules and regulations.

  1. How many loan apps are banned in India?

Ans- At present, there are a total of 232 such apps in India which have been banned in India. Because this app is a Chinese app or only Betting App.

Conclusion – Best RBI Approved / Registered Loan Apps List In India

In today’s article, we have got information about the RBI Registered Loan app List. Hopefully, through this article, you will be able to get information about many Top RBI Registered loan apps.

Guys, If you want to get some other information related to this loan app then let us know by commenting. If you want to stay updated, please visit our website. And if you like the information, please share this article as much as possible.

 

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