RBI approved personal loan apps are fully regulated under RBI guidelines allowing users to borrow transparently, safely, and quickly. Some of these apps are like LendingPlate, NIRA, Kissht, and so on.
Which are the Personal Loan App RBI Registered?
LendingPlate: Backed by Unifinz Capital India Limited, is a prime example: it’s an NBFC duly registered with the RBI, offering personal loans from Rs. 10,000 to Rs. 2.5 lakh with interest rates starting around 12% and APR up to 36%, all with paperless documentation and flexible tenures of 3 to 15 months.
NIRA: Another trusted player is NIRA, which partners exclusively with RBI regulated banks and NBFCs; users can access loans between Rs. 5,000 and Rs. 1 lakh, with APRs ranging from 24% to 36%, digital KYC, and repayment periods of 3 months to 24 months.
Kissht: Connects borrowers with RBI-registered NBFCs like Northern Arc, Piramal, and MAS to offer online loans the app is anchored in full compliance with RBI norms.
NB Instacash: RBI approved lending app. Offers loans of up to Rs. 10 lakhs.
More broadly, the RBI maintains and regularly updates a “Safe List” of authorised digital lending apps (DLAs), featuring over 1,600 platforms such as Navi, Paytm, Google Pay, BharatPe, LendingKart, and PhonePe, ensuring consumers can verify legitimacy via the RBI’s website.
By choosing apps either clearly registered as NBFCs or listed in the RBI’s Safe List, borrowers in India can access personal loans with greater confidence knowing their lender adheres to regulatory oversight, transparent disclosures, and fair practices.
Choose RBI Approved NB InstaCash to Get Up to 10 Lakhs in Your Account Instantly!
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What are the RBI Approved Personal Loan App?
ravi
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2025-08-26T20:54:44+00:00 2025-08-26T20:54:46+00:00Comment
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