Top 10 RBI Approved Loan Apps In India 2025
Discover the best loan apps in India that have partnered with RBI Approved NBFCs, offering instant personal loans, hassle-free approvals, and flexible repayment options.
Key Takeaways
- Apps listed are backed by RBI-registered NBFCs.
- Quick approval and disbursement process.
- Transparent fee structures and fair interest rates.
Trusted Loan Apps in India Partnered with RBI Approved NBFCs
India’s digital lending boom has introduced both convenience and risks. Below is a list of trusted, RBI-compliant apps you can consider:
Popular Loan Apps in India Registered with RBI
| App Name | Loan Amount | Interest Rate (p.a) | Tenure |
|---|---|---|---|
| Fincover (Early Access) | Up to ₹40,00,000 | From 10.49% | Up to 7 years |
| Finnable | ₹50,000 - ₹10,00,000 | 16% - 26% | 6 - 60 months |
| Bajaj Finserv | ₹25,000 - ₹50,00,000 | 10% - 32% | 6 - 96 months |
| Tata Capital | ₹40,000 - ₹35,00,000 | From 11.99% | Up to 6 years |
| Lendingkart | ₹50,000 - ₹2 Cr | 1.25% per month | Up to 36 months |
| PaySense | ₹5,000 - ₹5,00,000 | 16.8% - 27.6% | 3 - 60 months |
| Fibe | Up to ₹5,00,000 | 12% | 3 - 36 months |
| BuddyLoan | ₹10,000 - ₹15,00,000 | From 11.99% | 6 - 60 months |
| FlexiSalary | Up to ₹3,00,000 | Up to 36.5% | Up to 36 months |
| DigiMoney | ₹10,000 - ₹1,00,000 | 10% - 24% | 3 - 12 months |
| PhonePe Loan | ₹5,000 - ₹5,00,000 | 13% - 20% | Up to 60 months |
| KreditBee | ₹1,000 - ₹5,00,000 | 17% - 29.95% | 3 - 24 months |
| Dhani | ₹1,000 - ₹15,00,000 | From 13.99% | 3 - 24 months |
Current State of Digital Lending in India
RBI-regulated loan apps offer a safer borrowing experience by ensuring customer data security, fair lending, and no hidden charges.
Benefits of RBI-Affiliated Loan Apps
- Regulatory Compliance
- Data Security
- Fair Pricing and Terms
- Multiple Loan Types
- Inclusion for New Credit Profiles
How to Verify If a Loan App Is Safe
- Confirm RBI registration of partner NBFCs via RBI site.
- Read app permissions and privacy policies.
- Review fee disclosure and customer support channels.
- Cross-check user reviews and app ratings.
FAQs
Are all listed loan apps safe?
→ Yes, all mentioned apps partner with RBI-registered NBFCs.
Where can I verify NBFC registration?
→ RBI’s official website.
Do these apps charge hidden fees?
→ No, RBI rules require clear fee structures.
Conclusion
Digital lending is evolving rapidly in India. By sticking with RBI-backed apps, borrowers can access secure, regulated, and affordable loan options. Always verify credentials before proceeding.
