Identify the actual lender

An app may be a service provider rather than the lender. Check the name of the regulated bank or NBFC in the key fact statement and verify it through official sources.

Review permissions before installing

A lending app should not need unrelated access to contacts, photos or call logs. Read the privacy notice and understand how personal information is collected and shared.

Stop if you notice these warning signs

  • Upfront payment to release an approved loan
  • Pressure to act immediately
  • Missing company and grievance details
  • Repayment requested to a personal account
  • No written key fact statement

    • Save evidence

    Keep copies of the agreement, repayment schedule, receipts and support conversations. Use the lender's official grievance channel for problems and report suspected fraud promptly.

    Rupee Saathi never processes loans or asks for a payment to release funds. Our content is educational only.