Last verified: 5 October 2026 against RBI’s list of Digital Lending Apps and NIRA’s official app listing.
Short answer: Yes. NIRA appears on RBI’s list of Digital Lending Apps (DLAs), reported by 6 RBI-regulated NBFCs. Which of these lenders gave you your loan decides whose name appears on your CIBIL report.
NIRA at a glance
| Detail | What the official sources say |
|---|---|
| On RBI’s DLA list | Yes (checked 5 Oct 2026) |
| Lenders (NBFCs) reporting it | 6 – listed below |
| App operated by | Shuhari Tech Ventures Pvt. Ltd. (lending service provider) |
| Official channels | Apple App Store, Google Play Store |
| Google Play | com.nirafinance.customer – 1 crore+ installs, rated 4.5, updated 1 Oct 2026 |
| APR (as disclosed) | 24% to 36% per year |
| Grievance email on RBI list | grievance@nirafinance.com |
Rates are the ranges NIRA publishes in its app listing. Your actual rate and fees are in your Key Fact Statement (KFS); always check it before accepting.
The 6 lenders behind NIRA
NIRA is not one lender. It is an app through which several RBI-regulated NBFCs lend. According to RBI’s list, they are:
- Avanti Finance Private Limited
- Komac Investments & Finance Private Limited
- Northern Arc Capital Limited
- Payu Finance India Private Limited
- Resilient Finance Private Limited
- Apollo Finvest (India) Limited
Why this matters to you: your loan agreement, KFS and CIBIL report show the lender’s name, not “NIRA”. If you see one of these names on your credit report and don’t recognise it, it may be a NIRA loan.
How to check your own loan in 3 minutes
- Open your loan agreement or KFS in the app and note the lender’s name.
- Match it to the list above.
- Check your CIBIL or Experian report: the loan should appear under that lender’s name with the right amount.
Spot something wrong, like a loan you never took or a closed loan still showing as active? Raise it with the lender first. If it is not resolved within 30 days, you can escalate to the RBI Ombudsman at cms.rbi.org.in.
Paying several app loans at once?
NIRA discloses an APR of up to 36% a year. If you are paying it alongside other app loans, the combined monthly cost can add up quickly.
Find out in 2 minutes if one loan could replace your app loans – one EMI, one date, a clear total cost.
Customer care and complaints
- First step: contact NIRA through the in-app support or the grievance email RBI lists for this app: grievance@nirafinance.com.
- Lender’s grievance officer: every RBI-regulated lender must publish one on its website.
- Not resolved in 30 days? Escalate to the RBI Integrated Ombudsman at cms.rbi.org.in.
- Harassment or fraud: report cyber fraud at cybercrime.gov.in or call 1930.
Beware of fake “NIRA customer care” numbers on social media. Only use contacts inside the official app or website.
Frequently asked questions
Is NIRA RBI approved?
RBI does not “approve” apps, but regulated lenders must report the apps they use to RBI, and RBI publishes that list. NIRA is on it, reported by 6 NBFCs, as of 5 October 2026.
Which NBFC gave me my NIRA loan?
Check your KFS or loan agreement. It names the exact lender, which will be one of the 6 listed above.
Why does my CIBIL report show a different company name?
Because the lender, not the app, reports your loan to credit bureaus. Match the name against the list above.
Can I close a NIRA loan early?
Check the prepayment terms in your KFS. Under RBI’s digital lending rules, you can also exit a new loan during its cooling-off period by repaying the principal and proportionate APR, without penalty.
Change log
| Date | Change |
|---|---|
| 5 Oct 2026 | Page created. 6 lenders on RBI’s DLA list; Play listing live. |
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.