Last verified: 5 October 2026 against RBI’s NBFC register and RBI’s list of Digital Lending Apps.
Short answer: Yes. Northern Arc Capital Limited is an NBFC registered with the Reserve Bank of India. As of 5 October 2026, it had reported 43 digital lending apps to RBI, working with 21 lending service providers.
Northern Arc Capital Limited at a glance
| Detail | What the official sources say |
|---|---|
| RBI registration | Registered NBFC (on RBI’s list as on 30 Jun 2026) |
| Corporate Identification Number (CIN) | U65910TN1989PLC017021 |
| Regulatory tier | Middle layer (larger NBFCs, with stricter RBI rules) |
| RBI regional office | Chennai |
| Lending apps reported to RBI | 43 |
| Lending service providers | 21 |
| Website | https://www.northernarc.com |
Loan apps Northern Arc Capital Limited lends through
Largest apps on RBI’s list (25 of 43 shown, by Play Store installs):
- Easy Personal Loan – KreditBee
- KreditBee – Instant Personal Loan Online
- KreditBee: Personal Loan App
- MobiKwik: BHIM UPI Wallet
- Moneyview: UPI, Personal Loans
- Moneyview: UPI, Personal Loans, Credit
- Branch-Instant Personal Loan
- Kissht
- Paytm for Business
- Ring
- TrueBalance-Personal Loan, UPI
- CASHe:Quick Personal Loan App
- NIRA Instant Personal Loan App
- Olyv (SmartCoin) Personal Loan
- Olyv: Loans & Credit Score
- Uni : GoldX NX Credit Card
- Lendingkart: Business Loan App
- OTO: Buy Bikes at lowest price
- WeRize Customer App
- Indifi Unsecured Business loan
- NORTHERN ARC CAPITAL LIMITED
- CASHe
- CASHe: Online Instant Loan App
- Fibe Quick, Easy Personal Loan
- Finnable: Personal Loan App
Why this matters: if you borrowed through any of these apps, your loan agreement, Key Fact Statement and CIBIL report may show Northern Arc Capital Limited as the lender, not the app’s name.
Saw Northern Arc Capital Limited on your CIBIL report?
- Check which app loans you have taken, and their KFS.
- Match the loan amount and date with your app history, SMS or email.
- Can’t match it? Raise a dispute with the credit bureau and write to the lender’s grievance officer.
Repaying more than one app loan? See if one loan could clear them – one lender, one EMI.
Complaints
- First step: write to the lender’s grievance redressal officer (details on its website: https://www.northernarc.com).
- Not resolved in 30 days, or rejected? Escalate to the RBI Integrated Ombudsman at cms.rbi.org.in.
- Harassment or fraud: report at cybercrime.gov.in or call 1930.
Frequently asked questions
Is Northern Arc Capital Limited RBI registered?
Yes. It appears on RBI’s list of registered NBFCs with CIN U65910TN1989PLC017021.
Is Northern Arc Capital Limited a bank?
No. It is a non-banking financial company (NBFC). NBFCs can lend, but are regulated differently from banks.
Why is Northern Arc Capital Limited on my credit report when I used a loan app?
Apps are front ends. The regulated lender behind your loan reports it to credit bureaus under its own name.
Change log
| Date | Change |
|---|---|
| 5 Oct 2026 | Page created. 43 lending apps on RBI’s DLA list. |
Disclosure
FundsTiger (Gatimaan Finance Advisors Pvt. Ltd.) is a loan marketplace and lending service provider for RBI-regulated lenders. Aparampaar Finance Pvt. Ltd. (Omozing), one of those lenders, is a related party of FundsTiger. FundsTiger is not affiliated with the lender on this page unless stated. This page is for information only and is not financial advice.