Last verified: 12 October 2026 against RBI’s list of registered NBFCs (30 June 2026) and RBI’s list of Digital Lending Apps (5 October 2026).
Short answer: Yes. BT Finance Private Limited is an NBFC registered with the Reserve Bank of India. As of 5 October 2026, it had reported 1 digital lending app to RBI, working with 1 lending service provider.
BT Finance Private 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) | U51109WB1994PTC062748 |
| Regulatory tier | Base layer (smaller NBFCs under RBI's scale-based rules) |
| RBI regional office | Kolkata |
| Type | Investment and Credit Company (ICC); does not accept public deposits |
| Registered office (RBI list) | OM BHAWAN, 3RD FLOOR, ROOM NO. F 18-A, 54/5A, STRAND ROAD, KOLKATA, Beadon Street, Kolkata, Kolkata, West Bengal, India, 700006 |
| Lending apps reported to RBI | 1 |
| Lending service providers | 1 |
| Website | www.petticash.in |
| Email on RBI’s NBFC list | btfinance2122@gmail.com |
Loan apps BT Finance Private Limited lends through
Apps and websites reported to RBI’s list of Digital Lending Apps (5 October 2026):
| App or website | Platform | Google Play installs |
|---|---|---|
| Petticash | Android | 1,000+ |
Why this matters: if you borrowed through any of these, your loan agreement, Key Fact Statement and CIBIL report may show BT Finance Private Limited as the lender, not the app’s name.
Saw BT Finance Private 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.
Bureaus must resolve disputes within 30 days. See an unknown lender on your CIBIL report for the full steps.
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: www.petticash.in).
- 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. See your rights against loan app harassment.
Other digital lenders registered in Kolkata
Achievers Finance India Limited · Allen'S Housing & Finance Limited · Avinash Capital Markets Private Limited · Bee Pee Jay Finance Limited · BMW Fin-Invest Private Limited · Chhotaria Securities Private Limited · Cieco Securities Private Limited · Collocate Merchants Private Limited · Dytron Finvest Private Limited C · Everlight Holding Private Limited · Exude Vincom Private Limited · Harsh Tracom Private Limited. See our guide to personal loans for low CIBIL score in Kolkata, with every RBI-registered NBFC in the city.
Frequently asked questions
Is BT Finance Private Limited RBI registered?
Yes. It appears on RBI’s list of registered NBFCs with CIN U51109WB1994PTC062748. You can check it in our RBI-registered NBFC list.
Is BT Finance Private Limited a bank?
No. It is a non-banking financial company (NBFC). It can lend, but it does not accept public deposits.
Is BT Finance Private Limited genuine or fake?
It is a real company registered with RBI. That does not make every caller or app using its name genuine. Check that your loan app is on RBI’s list under BT Finance Private Limited, and only pay through official channels.
Why is BT Finance Private 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 |
|---|---|
| 12 Oct 2026 | Page created. Registered NBFC; 1 lending app 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 app or lender on this page unless stated. This page is for information only and is not financial advice.