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Omozing Answers › Scams and fraud
Written by the Omozing Credit Team · Reviewed for accuracy by our credit and compliance team · Updated October 2026
The two can start with similar words. The difference is in which way the money moves. In a genuine loan, money flows to you first. In the scam, money only ever flows from you.
Illustrative. The ₹2,999 is a made-up amount; scammers ask for anything from a few hundred rupees to tens of thousands, and the fee names change constantly.
Yes, but differently. A regulated lender may charge a processing fee, and it is shown in the KFS, with the rate and APR, before you sign anything. Under RBI’s digital lending rules, the loan is paid directly from the lender’s account into the borrower’s own bank account. Omozing’s processing fee is 3% to 7% plus GST, shown in the KFS, and we never ask for any payment before approval.
| Genuine lender | Upfront-fee scam | |
|---|---|---|
| How it starts | You apply on its official website or app | An unexpected SMS, call or WhatsApp |
| Credit check | Always, with your documents | None, “approved” for everyone |
| Fees | In the KFS before you sign | Paid first, to “release” the loan |
| Where money goes | Into your own bank account | From you, to a personal UPI ID |
| Paperwork | KFS and loan agreement | A screenshot of an “approval letter” |
Call 1930 or file at cybercrime.gov.in. The faster you report, the better the chance of freezing the money. Keep the UPI reference, screenshots and phone numbers.
Call the number on your card or passbook and report the transaction. Don’t pay anything more, whatever they promise.
Flag the number under “Chakshu” on Sanchar Saathi (sancharsaathi.gov.in), and report unauthorised lenders on RBI’s Sachet portal (sachet.rbi.org.in).
If you sent PAN, Aadhaar or a selfie, watch for enquiries or accounts you don’t recognise. See whether someone can take a loan on your PAN.
Omozing’s website is www.omozing.com. No fees before approval, a KFS before you sign, and money only into your own account.
Try our free 2-minute test: 12 real-style messages. How many can you catch?
Paying a separate fee to “release” an approved loan is a classic scam sign. Genuine fees are set out in the Key Fact Statement before you sign the loan agreement.
Scammers often borrow real names. Go to the lender’s official website yourself and check there, or write to its official email address.
Sometimes, if you report quickly. Call 1930 or file at cybercrime.gov.in at once so the money can be traced and, where possible, frozen.
No. Omozing never asks for upfront fees before approval and pays only into the borrower’s own bank account. See how to check a message is from us.
Report the fraud, lock your Aadhaar biometrics through UIDAI, and watch your credit report and bureau alerts for anything you don’t recognise.
Next questions people ask:
Omozing is the digital lending brand of Aparampaar Finance Private Limited, an RBI-registered non-deposit-taking NBFC. Loans are subject to credit assessment. See our regulatory disclosures and grievance redressal process.