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Free · 60 seconds · nothing to sign up for
Answer 12 quick questions about a loan app you are thinking of using. You’ll get a Red, Amber or Green rating with the exact reasons, what to do about each warning sign and how to check the lender with the RBI.
This tool rates your answers, not any app or brand. It is guidance, not a verdict. Nothing you tap is recorded or sent anywhere.
The RBI publishes the app list as reported by lenders, without checking each entry. Being on it is a good sign, not a guarantee, so keep the other checks in mind. Our sister company FundsTiger also keeps a list of RBI-approved loan apps.
Omozing lends to salaried people with a take-home of ₹40,000 or more: loans up to ₹25 lakh over 3 to 36 months, with rates starting from 11% a year. You see the exact rate, fees and APR in the Key Fact Statement before you sign, money goes straight to your own bank account, and we never ask for an upfront fee.
See Omozing personal loansMade by Omozing, the digital lending brand of Aparampaar Finance Private Limited, an RBI-registered NBFC. Results are illustrative, not an offer.
The loan app safety checker is a free, 60-second tool from Omozing. It turns the RBI’s digital lending rules into 12 plain questions a borrower can answer before downloading documents or accepting a loan: is a regulated lender named, is the app in the RBI’s published list of digital lending apps, is there a Key Fact Statement with the APR, does money move only between you and the lender, and does the app want your contacts or an upfront fee. Your answers, not the app’s name, decide the Red, Amber or Green rating.
You answer 12 quick yes, no or not sure questions about a loan app: who the lender is, whether it appears in the RBI’s list of digital lending apps, whether it shows a Key Fact Statement with the APR, what permissions it asks for and how it handles money. You get a Red, Amber or Green rating with the reasons and what to do next.
No. It rates your answers, not any app or brand, and it is guidance rather than a verdict. Always check the lender’s name in the RBI’s lists and read the Key Fact Statement before you borrow.
Find the lender’s full legal name in the app, the KFS or the loan agreement. Then search the RBI’s published list of digital lending apps by app name and lender name, and check that the lender is a bank or an NBFC registered with the RBI.
Don’t pay under threat. Save screenshots, call 1930 or report at cybercrime.gov.in, and tell the police. If the lender is regulated, complain to its grievance officer and then the RBI Ombudsman if the complaint isn’t resolved within 30 days.
No. The checker runs entirely in your browser. Nothing you tap is recorded or sent anywhere, and there is nothing to sign up for.