All 443 RBI-Regulated Digital Lenders in India: NBFCs and Banks Behind Loan Apps

Last verified: 5 October 2026 against RBI’s list of Digital Lending Apps (DLAs) deployed by regulated entities and RBI’s NBFC register.

New: search all 8,561 RBI-registered NBFCs, check the list of 6,703 NBFCs whose registration RBI cancelled, or read our city guides to low CIBIL score loans.

Short answer: Every loan app in India must work for a bank or NBFC regulated by RBI. On 5 October 2026, 443 regulated lenders (396 NBFCs, 46 banks and 1 housing finance company) had reported at least one digital lending app to RBI, covering 1,041 apps. The lender, not the app, gives you the loan, reports it to CIBIL and must answer your complaints.

Why the lender matters more than the app

• Your loan agreement, Key Fact Statement (KFS) and CIBIL report show the lender’s name, not the app’s.
• Complaints go to the lender’s grievance redressal officer, and then to the RBI Integrated Ombudsman.
• One lender can lend through dozens of apps, and one app can use several lenders. Search either way: by app in our RBI loan app list, or by lender below.

The full list: 443 RBI-regulated digital lenders

Sorted by the number of apps each lender has reported. Names in blue open our page on that lender, with its registration details, apps and complaint contacts.

What "base", "middle" and "upper" layer mean

RBI regulates NBFCs by size and risk. Base layer NBFCs are smaller; middle layer NBFCs are larger and face stricter rules; upper layer NBFCs are the largest and most closely supervised. The layer tells you how a lender is supervised, not how much its loans cost.

How to complain about a lender

1. Write to the lender's grievance redressal officer. Its contact must be on its website and in the app.
2. If the complaint is not resolved within 30 days, or is rejected, complain free of charge to the RBI Integrated Ombudsman at cms.rbi.org.in.
3. For threats, harassment or fraud, report at cybercrime.gov.in or call 1930. See your rights against loan app harassment.

Frequently asked questions

How do I know which lender gave my app loan?

Your KFS and loan agreement name it. You can also search the app in our loan app list to see every lender reported for it.

Is a bank safer to borrow from than an NBFC?

Both are regulated by RBI, and the same digital lending rules apply to both. What matters for you is the APR and total cost in the KFS, and the lender's complaint record.

Why is my lender not on this list?

This list only covers lenders that have reported a digital lending app to RBI. A lender that lends only through branches will not appear. If your loan came through an app, and neither the app nor the lender appears in either list, treat it as a red flag.

How we built this list

We grouped RBI's "List of DLAs deployed by REs" (5 October 2026, obtained through the FACE / MicroSave DLA Validator at dla.faceofindia.org) by lender, merged duplicate entries of the same company, and matched each NBFC to RBI's NBFC register (30 June 2026) for its CIN, layer and regional office. We do not rate or rank lenders.

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. This article is general information, not financial advice. Read your loan agreement and KFS before you decide.