Last verified: 5 October 2026 against RBI’s list of Digital Lending Apps (DLAs) deployed by regulated entities.
India’s digital lending space is crowded: RBI’s list currently shows about 1,040 distinct lending apps, run for 453 banks and NBFCs through 853 lending service providers. Some apps lend through more than ten different NBFCs. If you have borrowed through an app, the company you legally owe may not be the name on your screen.
These pages tell you, for each app, what RBI’s own list says: which regulated lenders it works with, who operates it, where it is officially distributed, and what it publishes about rates and tenure. We do not rate apps as “safe” or “unsafe”. We show the facts, the date we checked them, and what you can do next.
How to use these pages
- Find your app below (more are being added every month).
- Check that it appears on RBI’s list and note the lender (NBFC or bank) behind your loan. That is the name that appears on your CIBIL report.
- Compare the APR the app discloses with what your Key Fact Statement (KFS) says.
- If you are juggling several app loans, see your options to consolidate them into one EMI.
Paying EMIs to more than one loan app? See if one consolidated loan could lower your monthly outgo.
Loan apps covered so far
| App | Lenders on RBI list | Play Store installs |
|---|---|---|
| KreditBee | 13 NBFCs | 10 crore+ |
| Moneyview | 12 NBFCs | 10 crore+ |
| Kissht | 7 NBFCs | 5 crore+ |
| mPokket | 1 NBFC | 5 crore+ |
| True Balance | 7 NBFCs | 5 crore+ |
| Fibe | 10 NBFCs | 1 crore+ |
| CASHe | 5 NBFCs | 1 crore+ |
| FatakPay | 5 NBFCs | 1 crore+ |
| FlexSalary | 1 NBFC | 1 crore+ |
| Buddy Loan | 5 NBFCs | 1 crore+ |
| LoanFront | 3 NBFCs | 1 crore+ |
| NIRA | 6 NBFCs | 1 crore+ |
| Olyv (SmartCoin) | 6 NBFCs | 1 crore+ |
| PayMe | 4 NBFCs | 1 crore+ |
| LazyPay | 1 NBFC | 1 crore+ |
| MoneyTap / Freo | 5 NBFCs | 1 crore+ |
| PaySense | 2 NBFCs | 1 crore+ |
| Rupeeredee | 1 NBFC | 1 crore+ |
| Pocketly | 1 NBFC | 1 crore+ |
| InstaMoney | 2 NBFCs | 1 crore+ |
| StuCred | 1 NBFC | 50 lakh+ |
| Rupee112 | 1 NBFC | 50 lakh+ |
| Chinmay | 1 NBFC | 50 lakh+ |
| Anytime Rupee | 1 NBFC | 10 lakh+ |
How we verify
- RBI status: RBI’s public list of Digital Lending Apps, which banks and NBFCs report to RBI. We re-check it monthly and show the date on every page.
- Lender details: RBI’s register of NBFCs (registration number, regulatory tier, regional office).
- App details: the app’s official Google Play listing, including the rates, tenure and fees it discloses.
- We never rate or rank apps. If anything here is wrong or out of date, write to us and we will correct it within 7 days.
Important disclosures
FundsTiger (Gatimaan Finance Advisors Pvt. Ltd.) is a loan marketplace and lending service provider for RBI-regulated lenders. One of those lenders, Aparampaar Finance Pvt. Ltd. (Omozing), is a related party of FundsTiger. Information on these pages is for general guidance and is not financial advice. Always read your loan agreement and KFS.