List of RBI Approved Loan App in India

India’s digital lending sector has seen mounting growth, making it easier than ever to access credit. People, be salaried employees or small enterprise owners, they now rely on instant loan apps for financial assistance due to its quick and hassle-free nature.

However, one must be aware that not every app operates within official regulations. There have been instances where unverified lenders misused personal data or imposed unfair charges. That’s why it’s essential to borrow only through RBI approved loan apps; platforms authorised to work with registered Non-Banking Financial Companies (NBFCs). These apps follow Reserve Bank of India guidelines, ensuring transparency, fair interest rates, and complete data security. Verified lenders in the RBI registered loan app list are safe, reliable, and trusted across the country.

Below is a curated list of the RBI approved personal loan apps known for fast disbursal, smooth user experience, and credible operations.

1. Kissht: India’s Most Trusted Instant Loan App

The Kissht app ranks at the top of the RBI registered loan app list, offering a perfect blend of speed, simplicity, and safety. It provides quick approval and flexible repayment options for salaried and self-employed individuals alike.

Standout features:

• Instant approval for amounts up to ₹5 lakh
• 100% digital process through the Kissht app
• Data security and full compliance with RBI norms
• Customisable EMI plans and transparent interest rates
• Backed by registered NBFC partnerships

Kissht’s focus on regulatory integrity and customer convenience makes it one of the best loan provider platforms in India for those seeking an instant personal loan without unnecessary paperwork.

1. Moneyview

Moneyview partners with RBI-regulated NBFCs to provide personal loans with a smooth and quick digital process.

Why it’s trusted: Verified NBFC connections, fast approval and simple eligibility criteria.

1. KreditBee

KreditBee caters to salaried employees and young professionals. It offers personal loans starting with small ticket sizes and increases limits based on repayment behaviour.

Why it’s trusted: Fully digital KYC, clear terms and partnerships with RBI-regulated NBFCs.

1. Fibe

Fibe (formerly EarlySalary) is popular among salaried users seeking short-term credit and quick salary-linked loans.

Why it’s trusted: Strong NBFC ties and fast processing.

1. CashE

CashE offers quick personal loans for users who need urgent financial help. It follows verified digital KYC and responsible lending practices.

Why it’s trusted: Instant disbursal and compliance with RBI-linked NBFC partners.

1. Navi

Navi provides personal loans through its RBI-registered NBFC arm. The app is known for its clean interface and easy-to-manage EMIs.

Why it’s trusted: Transparent interest rates and verified NBFC backing.

1. mPokket

mPokket is a popular choice among students and first-time borrowers. It offers microloans starting from ₹500.

Why it’s trusted: Quick access for users with limited credit history.

1. Bajaj Finserv

Bajaj Finserv’s app allows users to apply for personal loans, track EMIs and manage accounts with ease. It is supported by one of India’s largest RBI-registered NBFCs.

Why it’s trusted: Long-standing credibility and simple processing.

1. LendingKart

LendingKart supports small businesses and entrepreneurs. It provides both business and personal credit through verified NBFC partners.

Why it’s trusted: Swift approvals and simple documentation.

1. Tata Capital Moneyfy

Moneyfy by Tata Capital offers a secure digital interface backed by one of India's most trusted financial brands.

Why it’s trusted: Strong governance, reliable loan products and smooth onboarding.

Why Choose RBI Approved Loan Apps

Borrowing from apps featured in the RBI registered loan app list guarantees credibility and security. These platforms follow RBI’s strict regulations to safeguard users against hidden fees, fraud, or data misuse.

Key Benefits:

• Fair interest rates and transparent processing
• Encrypted systems ensuring data privacy
• Quick disbursal and flexible EMIs
• Legal protection under RBI’s regulatory framework

Opting for trusted lenders like the Kissht app ensures that your loan experience remains secure while offering the convenience of an instant personal loan whenever needed.

How to Verify an RBI Registered Loan App

If you’re unsure whether an app is legitimate, follow these steps to check its authenticity:

1. Visit the official RBI website.
2. Navigate to the NBFC section and find the RBI approved loan apps list.
3. Search for the app name or its lending partner NBFC.
4. Verify the registration number and contact details.
5. Confirm that all transactions occur through official banking channels.

Sticking to the RBI approved personal loan apps helps you avoid scams and ensures your personal and financial information stays protected.

The Future of Digital Lending

RBI’s strict oversight has encouraged responsible lending practices and built user confidence in fintech platforms. With innovations like AI-based risk assessment and faster KYC, registered apps now process approvals within minutes.

From quick personal loans to flexible business credit, the RBI registered loan app list continues to expand, ensuring that financial inclusion reaches every corner of India. Platforms like Kissht app show that technology and trust can go hand in hand.

As the digital economy grows, borrowers will have even more secure options for obtaining an instant personal loan through compliant and ethical channels.

FAQs

1. Why should I choose an RBI approved loan app?

Using RBI approved loan apps ensures that the lender follows strict financial regulations, protects your personal data, and maintains transparent interest rates.

2. How can I check if an app is part of the RBI registered loan app list?

You can verify the name on the RBI’s official website or its NBFC section, where all registered lenders are listed under the RBI registered loan app list.

3. Can I get an instant personal loan from these apps?

Yes, most of these regulated apps offer instant personal loan services, with approvals and disbursals happening digitally within a few hours.