RBI Registered Loan App List 2025: Check the full list of all registered loan apps with RBI Bank of India. None of us wants to take out a loan. Historically, people viewed debt as unlucky. After this, times changed, and people believed that we should take loans when in need. Today, many banks offer online loans, allowing you to apply from home.
However, the issue here is that numerous fraudulent applications and websites have recently entered the online market, deceiving us by pretending to offer loans. Alternatively, it could be argued that they exploit our vulnerabilities. In response to your concerns, we are providing you with a list of 50 RBI-registered online applications related to lending in this post. You can completely trust those who have registered with the RBI.
Rbi Registered Loan App List 2025
Below is the list of RBI-registered loan apps, along with the loan amount. Please review the complete list of all apps provided below. We are updating this list regularly.
| App Name | Credit Limit |
|---|---|
| Kreditbee | Loan up to 2 Lakhs |
| Kreditsky | 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 Lakh |
| Freopay (Credit Line) | Rs. 10000 |
| Stashfin—(Credit Line + Personal Loan) | Loan up to 5 Lakhs |
| Cashbean | Loan up to 1 Lakh |
| MI Credit | Above 5 Lakhs |
| Dhani (Credit Line) | Loan up to 5 Lakhs |
| Avail Finance | Loan up to Rs. 50000 |
| 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 Lakh |
| 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 Lakh |
| TrueCaller | Loan up to 5 Lakhs |
| Simply Cash | Loan up to 2 Lakhs |
| Slice (Credit Line) | Loan up to 1 Lakh |
| True Balance | Up to Rs. 50,000 |
| Zest Money (Consumer Loan) | Above 2 Lakhs |
| Amazon Pay Later | Up to Rs. 60,000 |
| Flipkart Pay Later | Up to Rs. 60,000 |
| Tata Capital | Above 10 Lakhs |
| Tata Neu Credit card (Qik EMI Card) | Rs.10000 to Rs.150000 |
| Tata Neu App (Qik Personal Loan) | Rs.10000 to Rs.1000000 |
| Ola Money Pay Later | Rs.1500 to Rs.20000 |
| Khatabook App | Rs.50,000 to Rs.10,00,000 |
| Jupiter credit limit | Up to 50,000 |
| OneCard App | Rs. 10,000 to 150,000 |
| imobile Pay Later | Rs. 20,000 |
| SBI YONO APP | Rs. 1500 to Rs. 60000 |
| IDFC Bank Pay later | Rs. 1500 to Rs. 60000 |
| Bajaj Finserv App | Rs. 50,000 to Rs. 500,000 |
| Rufilo Loan App | Rs. 5000 to Rs. 25,000 |
| IBL FINANCE App | Rs. 5000 to Rs. 25,000 |
| Early Salary | Rs. 8,000 to Rs. 500,000 |
| Money View | 10,000 to Rs. 500,000 |
| CASHe | Rs. 1,000 to Rs. 300,000 |
| mPokket | Rs.500 to Rs. 30,000 |
| Stashfin—Credit Line & Loan | Rs. 1,000 to Rs. 500,000 |
| MoneyTap | 1,000 to Rs. 60,000 |
| FairMoney Loan App | Loan up to 2 Lakhs |
| KreditOne | 5000 to Rs. 25,000 |
| FlexSalary Instant Loan App | Rs.5000 to Rs.25,000 |
| DigiMoney | Rs. 5000 to Rs. 25,000 |
| lands | Rs. 500,000 |
| Mystro Loans & Neo Banking app | Rs. 50,000 |
| Kissht: Instant Line of Credit | Rs. 10,000 to Rs. 100,000 |
| CreditScore – PaisaBazaar | ₹ 1000 to ₹ 50,000 |
Rating of RBI Approved Loan Apps In India 2025
| Apps Name | Interest rate | Ratings Of Apps |
|---|---|---|
| Pay sense | 16% to 36% (APR) | 1.6 |
| CASHe | 2.25% per month | 1.7 |
| MPocket | 1% to 6% per month | 3.0 |
| Money View | 1.33% Per Month | 3.7 |
| India Lends | 10.75% to 25% | 3.5 |
| Pay me India | 18% to 42% | 4.4 |
| IDFC First | 6.25% to 7.5% | 4.3 |
| Home Credit | 2% per month | 4.2 |
| MoneyTap | 13–24.03% | 5.0 |
| Dhani | 13.99% onwards | 3.5 |
| Buddy Loan | low as 11.99% | 4.0 |
| Navi app | starting at 9.9% | 4.2 |
| Lazypay | 18% to 28% | 4.2 |
| Nira loan app | 1.67% to 2.25% | 5.0 |
| Kreditbee | 0% to 29.88% p.a | 4.8 |
The 10 Best Personal Loan Apps in India in 2025:
Mobile applications known as “personal loan apps” give users a convenient way to apply for and get personal loans using their smartphones or other mobile devices. By streamlining the loan application procedure, these apps enable customers to submit loans more quickly and easily.
Key features of personal loan apps typically include:
- Online Application
- Document Submission
- Quick Approval
- Loan Amount and Tenure
- Interest Rates and Fees
- Loan Disbursement
- Repayment
- Customer Support
1. Navi Loan App
One of the top lenders in the Indian loan market is Navi, a digital lending platform that provides loans online. It provides borrowers with a range of lending products, including personal loans, mortgages, and business loans. One of the best apps for immediate personal loans is this one.
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2. Paysense
Founded in 2015, Paysense is a lender. PaySense offers rapid personal loans with minimal documentation requirements for unforeseen and unexpected needs among its various loan options. It provides salaried and self-employed people with loans in the amount of Rs. 5,000 to Rs. 500,000. It has an RBI registration and belongs to the FIDC and IBA. It is the greatest personal loan app and a transparent, licensed lender with stellar service ratings.
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3. Kreditbee
Instant personal loans are available to people through the Indian website KreditBee. Users can easily and quickly apply for small- to medium-sized loans through its mobile application and get them. The platform assesses applicants according to several criteria, such as their creditworthiness, financial background, and other information.
| Name | KreditBee |
| Founded | 2018 |
| Headquarters | Bangalore, India |
| Services | Personal loans, credit services |
| Target Audience | Young professionals, students |
| Application Process | Online application through the mobile app |
| Loan Amount Range | From a few thousand to several lakhs of INR |
| Repayment Period | Typically short-term loans, ranging from a few months to a year |
| Interest Rates | Varying interest rates based on the loan amount and duration of the Loan |
| Eligibility Criteria | Age, income, credit history, and other factors Are Included |
| Technology Platform | Mobile app for loan application and management |
| KYC Process | Aadhaar card, PAN card, and other identity documents |
| Risk Assessment | Utilized digital data and credit scoring algorithms |
| Partnerships | Collaborated with various financial institutions |
4. Lazypay
RBI Registered Loan App List: LazyPay is an Indian fintech business that offers customers “buy now, pay later” services. LazyPay gives users the option to make purchases and pay for them over time in installments. For both online and offline transactions, LazyPay effectively functions as a digital credit platform, providing short-term credit choices. It is frequently used for low-cost expenditures, like ordering takeout, purchasing movie tickets, or doing internet shopping.
| Company Name | Lazypay |
| Type | Fintech/Financial Services |
| Founded | 2017 |
| Headquarter | Bangalore, India |
| Founders | Pallav Jain, Akshay Bhalla |
| Services | Buy Now Pay Later, Personal Loans |
| Partnerships | Collaborated with various e-commerce platforms And Online Stores |
| Mobile App | Available for Android and iOS |
| Funding Status | Received funding from various investors |
| Notable Feature | Instant digital credit for online purchases |
What Is the Eligibility for Taking a Loan Through These Apps?
| Age | 21-55 years |
| Nationality | He/She Must Be An Indian |
| Income | And a credit score and credit history should also be fine. |
| Net Banking | He/he Must have Internet banking with a banking account |
| KYC Document | Aadhaar card PAN card must-haves, and mobile must linked to the Aadhaar card |
List Of Important Document For Taking a Loan
Here is the complete list of all documents that you required when taking out a loan. Full List of Documents Given below
- Aadhaar Card.
- PAN Card.
- Voter ID.
- The bank statement must be given.
- Take a selfie from the loan app.
How do I get a loan from RRBI-registered loan apps?
To take a loan from RBI-approved loan apps, first of all, you have to select any RBI-approved app.
- Now, navigate to the Google Play Store, search for that app, and download it.
- Now you have to register in the downloaded application to take a loan.
- The application will now ask you for some crucial information, so be sure to enter it all carefully.
- After this, you will be asked to upload the KYC document, and then you have to upload those documents that are supposed to be uploaded.
- If you need to enter more important information, please do so.
- Submit your loan application.
- wait for your application approval
What Are the Top 15 RBI-Approved Loan Apps in India in 2025?
The RBI has approved all the apps on the list below, so you can trust them and apply for a loan.
- Pay sense
- CASHe
- MMPocket
- Money View
- India Lends
- Pay me India
- IDFC First
- Home Credit
- MoneyTap
- Dhani
- Buddy Loan
- Navi app
- Lazypay
- Nira loan app
- Kreditbee
FAQ—Loan App approved by RBI in India
Which loan apps are approved by RBI?RBO has approved all the aforementioned apps. Apart from these, there are also apps like SmartCoin, RuPay App, MobiKwik, Paytm Personal Loan, True Caller etc. |
Which loan apps are legal in India?Ans: All loan apps approved by the Reserve Bank of India are legal in India. |
Has the NEERA app been approved by RBI?Yes, the RBI has approved it. NIRA is an instant loan app that complies with the RBI and offers low-interest immediate loans. The ideal app for salaried individuals is NIRA Finance, where you may apply for a loan by following a few simple steps. |
Is Rufulo App RBI registered?The Bank of India (BI) has approved it. The Reserve Bank of India (RBI), through its registration, also functions as Tradofina’s lender. If you fall behind on payments, future loan approvals may be impacted, and late payment fees will be applied to the balance owed. |
Could you please confirm whether the Pathe PaySLoanaon App is approved by the RBI?Yes, the RBI has registered the Aappis Paysense loan. Paysense is an NBFC and is registered with the Reserve Bank of India. |
Is the LoanFront Loan App RBI registered?Ans: LoanFront Loan App, follows the most recent RBI requirements for digital lending And it is RBI-approved. |
Which loan app has the RBI banned?The RBI has recently banned BNPL (buy now pay later) apps like LazyPay and Kiss, among many others. |
Is the BuddyLoan App RBI registered?Ans: Buddy Loan is a personal loan aggregator App And it is registered with the RBI. The Buddy Loan follows all the guidelines and rules for lending. |
What are the top 10 RBI-approved loan apps in India in 2025?Ans: These are the top 10 RBI Approved Loan Apps in India
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Is CASHe registered with RBI?Ans: CACAS is powered by Bhanix Finance and Investment Ltd., an RBI-registered NBFC |
