RBI Approved Loan Apps List 2026: Top 10 RBI Registered Loan Apps
10 RBI registered loan apps with the bank or NBFC behind each, how to check RBI's DLA list in 2 minutes, and safe borrowing rules.
RBI approved loan apps are loan apps whose money comes from a bank or NBFC regulated by the Reserve Bank of India. RBI does not approve apps one by one. Since 1 July 2025, RBI publishes a list of Digital Lending Apps (DLAs) on rbi.org.in, showing each app with its regulated lender (RBI press release, 8 May 2025). An app on that list, naming the same lender, is a genuine RBI registered loan app.
Below is the RBI registered loan app list for 2026, a simple list of RBI approved loan apps: 10 real, genuine loan apps with the lender behind each one, how to check any app on RBI's DLA list in 2 minutes, the borrower rights every safe loan app must follow, and how to spot a loan app not registered with RBI.
| Question | Quick answer |
|---|---|
| Does RBI approve loan apps? | No. RBI regulates the bank or NBFC behind the app |
| Official RBI loan app list | "DLAs deployed by Regulated Entities" on rbi.org.in (Citizen's Corner) |
| List live since | 1 July 2025 |
| Rules that apply | RBI (Digital Lending) Directions, 2025, issued 8 May 2025 |
| Can a loan app read my contacts? | No. Access to contacts, call logs and media files is barred |
| Cooling-off period | At least 1 day to exit by repaying principal plus proportionate cost |
| Google Play rule | Personal loan apps in India must be on RBI's DLA list (existing apps from 28 Jan 2026) |
| Where to complain | Lender's grievance officer, then RBI Ombudsman at cms.rbi.org.in or 14448 |
Facts in this table are from the RBI (Digital Lending) Directions, 2025 and RBI's press release of 8 May 2025, Google Play's personal loan policy, and RBI's Integrated Ombudsman Scheme 2026 (retrieved 2026-11-02).
How this list is ordered: apps with a single, named RBI-registered lender come first, then apps that lend through partner NBFCs and banks. Every lender name below was checked on the app's or lender's own website on 2 November 2026. Interest rates change by profile, so the binding number is always the Key Fact Statement inside the app.
What Is an RBI Approved Loan App?
An RBI approved loan app is a loan app backed by a lender that the RBI regulates, which means a bank or a registered NBFC. The app itself is only the front end. People search for "RBI approved", but the correct phrase is "RBI registered lender" or "listed in RBI's DLA directory". So whether you look for a loan app RBI registered or a personal loan app RBI registered, the real question is which lender stands behind it.
RBI says this clearly: being on its DLA list "shall not be construed as conferring any form of registration, authorization, or endorsement by the Reserve Bank" (RBI Digital Lending Directions, 2025, para 17). The list also relies on what lenders report, and RBI does not verify each entry. Treat the DLA list as a first check, not a guarantee, and still read the loan terms.
A regulated lender must give you a Key Fact Statement, pay the loan straight into your bank account, follow fair recovery rules, and answer complaints. An app with no regulated lender behind it owes you none of this. The fake loan apps list shows what happens when borrowers skip this check.
Top 10 RBI Registered Loan App List for 2026
| # | App | Lender behind the app | Best for |
|---|---|---|---|
| 1 | Kissht | Si Creva Capital Services (NBFC) | Small and mid personal loans |
| 2 | Ring | Si Creva Capital Services (NBFC) | Small credit and pay-later |
| 3 | CASHe | Bhanix Finance and Investment Ltd (NBFC) | Salaried short-term loans |
| 4 | InCred | InCred Financial Services Ltd (NBFC) | Larger personal loans |
| 5 | True Balance | True Credits Pvt Ltd (NBFC) | Small first loans |
| 6 | Tala | Talazen Finance India Pvt Ltd (NBFC) | Loans up to ₹30,000 |
| 7 | Branch | Branch International Financial Services Pvt Ltd | Loans up to ₹5 lakh |
| 8 | KreditBee | KrazyBee Services Ltd and partner NBFCs/banks | Young salaried borrowers |
| 9 | Stashfin | Akara Capital Advisors Pvt Ltd (NBFC) and partners | Credit line |
| 10 | Fibe | EarlySalary Services Pvt Ltd | Paperless salaried loans |
Lender names are from each app's or lender's website (retrieved 2026-11-02). Confirm the same pair in RBI's DLA list before you apply.
The ten RBI approved personal loan apps above, and all ten are legit loan apps with a named lender. There is no single best RBI registered loan app; the right one depends on your loan size, income and credit score.
1. Kissht
Lender: Si Creva Capital Services (NBFC) | Operator: OnEMI Technology Solutions Ltd | Best for: small and mid personal loans
If you want an instant loan app RBI approved lenders stand behind, Kissht is one of the most searched. Its loans are given by Si Creva Capital Services, an NBFC, and the app is run by OnEMI Technology Solutions (Kissht website, retrieved 2026-11-02). The full journey, from KYC to money in your bank, is digital.
2. Ring
Lender: Si Creva Capital Services (NBFC) | Operator: OnEMI Technology Solutions Ltd | Best for: small credit
Ring (PayWithRing) is listed by Si Creva Capital Services as one of its digital lending platforms, operated by OnEMI (Si Creva website, retrieved 2026-11-02). So Ring and Kissht share the same regulated lender. Install only the official app, as lookalike "Ring" apps exist.
3. CASHe
Lender: Bhanix Finance and Investment Ltd (NBFC) | Best for: salaried borrowers
CASHe lends through Bhanix Finance and Investment Ltd, an RBI-registered NBFC (CASHe website, retrieved 2026-11-02). It ties loans to your salary, so it suits short gaps between paydays. People often ask "cashe loan app is rbi approved"; the answer is that its lender is RBI registered.
4. InCred
Lender: InCred Financial Services Ltd (NBFC) | Best for: larger personal loans
InCred is itself an NBFC, so the app and the lender are the same company (InCred website, retrieved 2026-11-02). It suits salaried borrowers with a steady income who need a bigger personal loan.
5. True Balance
Lender: True Credits Pvt Ltd (NBFC) | Operator: Balancehero India Pvt Ltd | Best for: small first loans
True Balance is the lending app of True Credits Pvt Ltd, an NBFC, and is run by Balancehero India (True Balance website, retrieved 2026-11-02). It is popular for small loans with first-time borrowers.
6. Tala
Lender: Talazen Finance India Pvt Ltd (NBFC) | Best for: loans up to ₹30,000
Tala India is still active and lends through Talazen Finance India Pvt Ltd, which says it is an RBI-registered NBFC, with loans up to ₹30,000 (Tala India website, retrieved 2026-11-02). It suits small, short loans.
7. Branch
Lender: Branch International Financial Services Pvt Ltd | Best for: loans up to ₹5 lakh
Branch is still lending in India through Branch International Financial Services Pvt Ltd, with loans up to ₹5 lakh (Branch India website, retrieved 2026-11-02).
8. KreditBee
Operator: KrazyBee Services Ltd | Lenders: partner NBFCs and banks | Best for: young salaried borrowers
KreditBee is run by KrazyBee Services Ltd, and it says loans are approved by its partner NBFCs and banks (KreditBee website, retrieved 2026-11-02). The app names its lending partners, which you can match in RBI's DLA list.
9. Stashfin
Operator: EQX Analytics Pvt Ltd | Lender: Akara Capital Advisors Pvt Ltd (NBFC) and partners | Best for: a credit line
Stashfin gives a credit line, so you draw only what you need and pay interest on that amount. It is run by EQX Analytics with Akara Capital Advisors, an NBFC, and other lending partners (Stashfin website, retrieved 2026-11-02).
10. Fibe
Operator: brand licensed to EarlySalary Services Pvt Ltd | Best for: paperless salaried loans
Fibe, earlier called EarlySalary, is licensed to EarlySalary Services Pvt Ltd, a subsidiary of Social Worth Technologies (Fibe website, retrieved 2026-11-02). It runs a fully paperless journey for young professionals.
Looking for more lenders? Our NBFC loan app list covers more NBFC loan apps by loan size.
How to Check if a Loan App Is RBI Registered (RBI DLA List)
You can check any app in about 2 minutes. This works for every name, including apps that are not in our list.
- Find the lender's name. Open the app's Play Store page or website and look for the bank or NBFC that gives the loan. Google Play now requires personal loan apps to name all lending partners in the description. No lender named means no download.
- Open RBI's DLA list. Go to rbi.org.in, then Citizen's Corner, then "DLAs deployed by Regulated Entities". This is the RBI DLA list (also called the RBI DLA directory).
- Match the app and the lender. Search the app name and check that the regulated entity shown is the same lender the app named. A different lender, or no entry, is a red flag.
- Check the RBI registered NBFC list. For an NBFC, you can also confirm its registration in RBI's list of registered NBFCs on rbi.org.in.
- Read the Key Fact Statement. Before you accept, the app must show the annual cost (APR), the EMI amount and penal charges in one place.
There is no official "RBI registered loan app list PDF" to download. RBI's list is online and updates as lenders report apps, so any site selling an "official PDF" is not genuine. In simple Hindi terms, "RBI se registered loan app list" means this same online DLA list.
What a Safe Loan App Must Do: RBI Digital Lending Rules 2025
The RBI (Digital Lending) Directions, 2025, issued on 8 May 2025, set the rules that every genuine loan app must follow. Use them as your test for safe loan apps.
| Rule | What it means for you |
|---|---|
| Key Fact Statement | You see APR, EMI and penal charges before you sign |
| Direct disbursal | Money goes only to your own bank account |
| Direct repayment | You repay straight to the lender's account, not an agent's |
| No hidden credit limit increase | Your limit cannot go up unless you ask |
| Cooling-off period | At least 1 day to exit by repaying principal plus proportionate cost, with no penalty |
| Data access | No access to contacts, call logs or media files; camera, mic or location only once for KYC with consent |
| Recovery agent details | Sent to you by SMS or email before the agent contacts you |
| Grievance officer | Must be named; if there is no reply in 30 days, go to the RBI Ombudsman |
The rules above are from the RBI (Digital Lending) Directions, 2025 (retrieved 2026-11-02). For how lenders may and may not recover dues, read our guide to RBI loan recovery guidelines.
Loan App Not Registered With RBI: Warning Signs
Searches for a "non RBI registered loan app list" are growing, but no official list of unregistered apps exists. The government does not publish the names of the 87 illegal loan apps it has blocked under Section 69A of the IT Act (Lok Sabha reply, December 2025). So use these warning signs instead.
- Money asked upfront. A genuine lender takes its fee out of the loan amount. Paying first to "unlock" a loan is a scam.
- No lender named. If you cannot find the bank or NBFC, it is not a real loan app.
- APK link instead of Play Store. Since Google Play requires RBI DLA listing, unlisted apps push APK downloads on WhatsApp or SMS.
- Contacts and gallery permission. RBI rules bar this. An app that asks for it is breaking the law.
- Money paid through a person. Loan money must reach your bank account directly from the lender.
Already stuck with one? Report harassment on 1930, cybercrime.gov.in and RBI's Sachet portal.
Is Your Loan App RBI Approved? Quick Answers
Here are the apps readers ask about most. In each case, the question is whether a regulated lender stands behind the app, and the final check is RBI's DLA list.
| App people ask about | What we found (2 Nov 2026) |
|---|---|
| Kissht | Lender is Si Creva Capital Services, an NBFC |
| Ring | Platform of Si Creva Capital Services, operated by OnEMI |
| CASHe | Lender is Bhanix Finance and Investment, an RBI-registered NBFC |
| True Balance | Lending app of True Credits Pvt Ltd, an NBFC |
| Tala | Talazen Finance India, which says it is an RBI-registered NBFC |
| Branch | Branch International Financial Services, still lending in India |
| Fibe | Brand licensed to EarlySalary Services |
| InCred | InCred Financial Services, an NBFC |
| KreditBee | KrazyBee Services with partner NBFCs and banks |
| Stashfin | Akara Capital Advisors (NBFC) and partners |
| Moneyview | Run by Moneyview Ltd. Check its named lending partners in RBI's DLA list |
| Nira | Run by Shuhari Tech Ventures; loans sanctioned by NBFC and bank partners. Check the partner names in the DLA list |
| PayRupik | Reported to lend through Sayyam Investments Pvt Ltd. Confirm in the DLA list before applying |
| GroMo | Not a lender. A distribution platform for products from RBI-regulated banks and NBFCs |
Each line is from the app's or lender's own website, retrieved 2026-11-02. Where we could not confirm a lender ourselves, we say so. Apps change partners, so always repeat the check before you borrow.
How to Apply on an RBI Registered Loan App
- Download the app from the Google Play Store or Apple App Store only.
- Register with your mobile number and complete KYC with PAN and Aadhaar.
- Add income and job details honestly; they must match your bank statement.
- Read the Key Fact Statement: APR, processing fee, EMI and total repayment.
- Accept the offer. The money reaches your own bank account, usually the same day.
| Eligibility (common) | Documents |
|---|---|
| Age 21 to 60 (some apps from 18) | PAN card |
| Indian resident | Aadhaar for KYC |
| Salaried or self-employed with steady income | Salary slips or bank statements |
| Bank account linked to your mobile | GST or ITR for self-employed |
Low CIBIL score? Read our guide to a loan app without CIBIL before applying, and avoid 7 days loan apps with charges that are not in writing.
Earn by Referring RBI Registered Loan Apps
Loan apps also offer a second way to use this list. Several apps here, including Kissht, Ring, KreditBee, InCred and True Balance, are on the GroMo app, where partners help people apply for genuine loans and earn a commission on each disbursed loan.
On GroMo, personal loans pay up to 4.5% of the loan amount, depending on the lender (GroMo catalogue, retrieved 2026-11-02). Every loan product on GroMo comes from an RBI-regulated bank or NBFC, so you can share offers without pushing anyone towards a scam. See how it works in our guide to personal loan refer and earn.
GroMo is a free app where partners help customers apply for loans, credit cards and bank accounts from RBI-regulated lenders, and earn a commission on approval.
FAQ: RBI Approved Loan Apps
Is there an official RBI approved loan app list?
Yes, in a sense. Since 1 July 2025, RBI publishes "DLAs deployed by Regulated Entities" on rbi.org.in, which lists each loan app with the bank or NBFC behind it. RBI says the list is not an approval or endorsement, so still read the loan terms.
Which is the best loan app RBI approved in 2026?
There is no single best app. Pick by loan size: Tala and True Balance for small loans, Kissht, KreditBee and CASHe for mid loans, and InCred or Branch for bigger loans. Check each one in RBI's DLA list first.
How do I check if a loan app is RBI registered?
Find the lender named on the app page, open RBI's "DLAs deployed by Regulated Entities" list on rbi.org.in, and confirm the app and the same lender appear together. It takes about 2 minutes.
Is there an RBI registered loan app list PDF?
No. RBI does not publish a PDF of approved loan apps. The genuine source is the online DLA list on rbi.org.in, which updates as lenders report their apps.
Which are the safe loan apps in India?
Safe loan apps are listed in RBI's DLA list with a named bank or NBFC, show a Key Fact Statement before you sign, pay money only to your bank account, and never ask for a fee upfront or access to your contacts.
Are RBI registered loan apps safe from harassment?
They must follow RBI's fair recovery rules: recovery agent details are shared with you in advance, and apps cannot access your contacts. If a regulated lender harasses you, complain to its grievance officer, then the RBI Ombudsman at cms.rbi.org.in or 14448.
Is CASHe loan app RBI approved?
CASHe's lender is Bhanix Finance and Investment Ltd, an RBI-registered NBFC. As with any app, confirm the pair in RBI's DLA list before you apply.
What is an NBFC loan app?
An NBFC loan app is a loan app whose loans come from a Non-Banking Financial Company registered with RBI. Our NBFC loan app list covers the main ones.
Where do I complain against a loan app?
For a regulated lender, first write to the grievance officer named in the app. If there is no reply in 30 days, go to the RBI Ombudsman at cms.rbi.org.in or call 14448. For a fake app or harassment, call 1930 or report on cybercrime.gov.in.
Can I earn by referring RBI registered loan apps?
Yes. On GroMo, partners earn up to 4.5% of the loan amount on personal loans, depending on the lender, when a customer's loan is disbursed. Joining is free.
GroMo (Vitrak Technologies Pvt Ltd) is a distribution platform. GroMo is not a bank, NBFC, insurer or investment adviser. All products are offered by their respective RBI, IRDAI or SEBI-regulated providers.
Partner earnings depend on effort, product mix and customer eligibility. Any figures shown are illustrative. They are not typical and are not promised.
Sources: RBI (Digital Lending) Directions, 2025 and RBI press release, 8 May 2025; Google Play personal loan app policy for India; RBI Integrated Ombudsman Scheme 2026; Lok Sabha replies on illegal loan apps (December 2025); lender and app websites, all retrieved 2026-11-02. GroMo product catalogue, commission rates by product, retrieved 2026-11-02.
Disclaimer
This article is for general information only and is not financial or legal advice. Being listed in RBI's DLA list is not an approval or endorsement by RBI. Lenders, partners, loan amounts and rates change often; verify the app and its lender on rbi.org.in and read the Key Fact Statement before you borrow. Borrow only what you can repay on time.
