The RBI registered loan app list is released by the Reserve Bank of India (RBI) and provides detailed information about licensed lending companies. All companies offering loans must obtain an NBFC (Non-Banking Financial Company) license from the RBI. Under the 1956 Indian Act, institutions that charge interest on loans are required to comply with RBI regulations. If they fail to do so, the RBI has the authority to revoke their licenses.
According to Section 45 IA of the RBI Act 1934, the RBI issues registration certificates to Non-Banking Financial Companies (NBFCs) and Reserve Bank of India Registered Non-Banking Companies (RNBCs), allowing them to accept deposits from the public. The RBI assesses the necessity of regulating the financial system for the benefit of the country, ensuring that both Systemically Important Non-Deposit taking Non-Banking Financial Companies (NBFCND-SI) and Deposit taking Non-Banking Financial Companies (NBFC-D) operate within legal frameworks. Below is the list of RBI registered loan apps for the year 2025.
RBI Registered Loan App List
Here is the list of loan apps approved by the Reserve Bank of India along with their credit limits:
| App Name | Credit Limit |
|---|---|
| Kreditbee | Loan up to ₹2 Lakhs |
| Kreditzy | Loan up to ₹2 Lakhs |
| Paysense | Loan up to ₹5 Lakhs |
| NAVI | Loan up to ₹5 Lakhs |
| Lazypay (Credit Line + Personal Loan) | Loan up to ₹1 Lakhs |
| Freopay (Credit Line) | Up to ₹10,000 |
| Stashfin (Credit Line + Personal Loan) | Loan up to ₹5 Lakhs |
| Cashbean | Loan up to ₹1 Lakhs |
| MI Credit | Above ₹5 Lakhs |
| Dhani (Credit Line) | Loan up to ₹5 Lakhs |
| Avail Finance | Loan up to ₹50,000 |
| NIRA | Loan up to ₹2 Lakhs |
| Branch | Loan up to ₹50,000 |
| Smartcoin | Loan up to ₹2 Lakhs |
| Rupeek App (Gold Loan) | Loan up to ₹50 Lakhs |
| Simple Pay Later (Credit Line) | Loan up to ₹1 Lakhs |
| Mobikwik (Credit Line + Consumer Loan) | Loan up to ₹2 Lakhs |
| Paytm Personal Loan | Loan up to ₹2 Lakhs |
| Krazybee (Consumer Loan) | Loan up to ₹2 Lakhs |
| Bharatpe (Business Loan) | Loan up to ₹5 Lakhs |
| Paytm Postpaid (Credit Line) | Loan up to ₹1 Lakhs |
| True Caller | Loan up to ₹5 Lakhs |
| Simply Cash | Loan up to ₹2 Lakhs |
| Slice (Credit Line) | Loan up to ₹1 Lakhs |
| True Balance | Up to ₹50,000 |
| Zest Money (Consumer Loan) | Above ₹2 Lakhs |
| Amazon Pay Later | Up to ₹60,000 |
| Flipkart Pay Later | Up to ₹60,000 |
| Tata Capital | Above ₹10 Lakhs |
| Tata Neu Credit card (Qik EMI Card) | ₹10,000 to ₹150,000 |
| Tata Neu App (Qik Personal Loan) | ₹10,000 to ₹10,00,000 |
| Ola Money Pay Later | ₹1,500 to ₹20,000 |
| Khatabook App | ₹50,000 to ₹0,00,000 |
| Jupiter Credit Limit | Up to ₹50,000 |
| OneCard App | ₹10,000 to ₹150,000 |
| Paisabazaar Credit Limit | ₹50,000 to ₹10,00,000 |
| imobile Pay Later | ₹20,000 |
| SBI YONO APP | ₹1,500 to ₹60,000 |
| IDFC Bank Pay Later | ₹1,500 to ₹60,000 |
| Bajaj Finserv App | ₹50,000 to ₹5,00,000 |
| Rufilo Loan App | ₹5,000 to ₹25,000 |
| IBL FINANCE App | ₹5,000 to ₹25,000 |
| Early Salary | ₹8,000 to ₹5,00,000 |
| Money View | ₹10,000 to ₹5,00,000 |
| CASHe | ₹1,000 to ₹3,00,000 |
| mPokket | ₹500 to ₹30,000 |
| Stashfin – Credit Line & Loan | ₹1,000 to ₹5,00,000 |
| MoneyTap | ₹1,000 to ₹60,000 |
| FairMoney Loan App | Loan up to ₹2 Lakhs |
| KreditOne | ₹5,000 to ₹25,000 |
| FlexSalary Instant Loan App | ₹5,000 to ₹25,000 |
| DigiMoney | ₹5,000 to ₹25,000 |
| Indialends | Up to ₹5,00,000 |
| Mystro Loans & Neo Banking App | Up to ₹50,000 |
| Kissht: Instant Line of Credit | ₹10,000 to ₹1,00,000 |
| IndusMobile: Digital Banking | ₹5,000 to ₹2,00,000 |
| Prefr: Get Instant Loan | ₹10,000 to ₹3,00,000 |
| InstaMoney Personal Loan | ₹5,000 to ₹25,000 |
| Swift Loan | Up to ₹50,000 |
| RapidPaisa | ₹1,000 – ₹10,000 |
| CreditScore, CreditCard, Loans | Up to ₹5 Lakhs |
| Bajaj MARKETS: Loan, Card, UPI | Up to ₹25 Lakhs |
| Fullerton India | Up to ₹25 Lakhs |
| LoanFront | ₹2,000 to ₹2 Lakhs |
| Pocketly | Up to ₹10,000 |
| Bueno Loans | Up to ₹25,000 |
| PayRupik | Up to ₹20,000 |
| Loaney | ₹200 to ₹20,000 |
| RupeePark | ₹5,000 to ₹5,00,000 |
| Cash Planet – Online Loan App | ₹5,000 to ₹5,00,000 |
| CreditScore – PaisaBazaar | ₹1,000 to ₹50,000 |
Rating List of RBI Registered Loan Apps in India
Below is the rating of RBI registered loan apps based on Google Play ratings:
| Application Name | Google Play's Rating |
|---|---|
| PaySense | 4.1/5 |
| Money Tap | 4.4/5 |
| Nira | 4.4/5 |
| CASHe | 4.5/5 |
| Money View | 4.6/5 |
| mPokket | 4.1/5 |
| India Lends | 3.8/5 |
| PayMe India | 4.2/5 |
| Home Credit | 4.3/5 |
| Dhani | 3.8/5 |
How to Check RBI Registered Loan Apps
Follow these steps to check the list of RBI registered loan apps online:
- Step 1: Visit the official RBI website https://www.rbi.org.in.
- Step 2: On the home page, click on the Non-Banking Financial Companies list.
- Step 3: You will find links to download the RBI registered loan app list in Excel or PDF format.
- Step 4: Click on the relevant link to download the list of companies registered with the RBI.
RBI Registered Loan App's Interest Rate List
The interest rates charged by registered loan apps can go up to 36%, accompanied by a processing fee of 2% to 5% and additional GST charges of 18%.
| Interest | 36% तक ब्याज |
| Processing Fee | 2 से 5% तक |
| Late Fee | रोजाना 0.5% तक संभव |
| Loan Assessment Fee | कई लोन ऐप्स में लिया जा सकता है |
| GST | सभी चार्जेस पर 18% तक का GST |
Eligibility Criteria for Loans from RBI Registered Apps
- Applicant must be a citizen of India
- Age must be between 21 to 55 years
- Good credit history and score are necessary
- Applicant should have a stable source of income
- Must have a savings account with internet banking
Documents Required for Applying for a Loan at RBI Registered Apps
- Photo ID Proof: PAN Card, Driving License, Aadhar Card, etc.
- Address Proof: Voter Card, Ration Card, Residence Certificate, etc.
- Photograph: Recent passport-size photograph of the applicant
- Income Proof: Bank statement of the applicant's savings account for the last six months
RBI Registered Loan App List PDF
You can download the RBI registered companies list in PDF format using the link below:
Download RBI Registered Companies List PDF
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