Last verified: 5 October 2026 against RBI’s NBFC register and RBI’s list of Digital Lending Apps.
Short answer: Yes. Vivifi India Finance Private Limited is an NBFC registered with the Reserve Bank of India. As of 5 October 2026, it had reported 4 digital lending apps to RBI.
Vivifi India 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) | U65923TG2016PTC110767 |
| Regulatory tier | Base layer (smaller NBFCs under RBI’s scale-based rules) |
| RBI regional office | Hyderabad |
| Type | Investment and Credit Company (ICC); does not accept public deposits |
| Lending apps reported to RBI | 4 |
| Lending service providers | 1 |
| Website | https://www.vivifin.com |
Loan apps Vivifi India Finance Private Limited lends through
Main apps on RBI’s list (3 of 4 shown):
- FlexSalary
- FlexPay
- Udyam Flex Loan
Why this matters: if you borrowed through any of these apps, your loan agreement, Key Fact Statement and CIBIL report may show Vivifi India Finance Private Limited as the lender, not the app’s name.
Saw Vivifi India 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.
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.vivifin.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 Vivifi India Finance Private Limited RBI registered?
Yes. It appears on RBI’s list of registered NBFCs with CIN U65923TG2016PTC110767.
Is Vivifi India Finance Private Limited a bank?
No. It is a non-banking financial company (NBFC). It can lend, but it does not accept public deposits.
Why is Vivifi India 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 |
|---|---|
| 5 Oct 2026 | Page created. 4 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 app or lender on this page unless stated. This page is for information only and is not financial advice.