Having access to instant money in an emergency can be a big relief. There are thousands of apps on the market that offer instant loans with just a few taps. However, the real challenge is verifying the authenticity of the lender before applying. Don’t worry, though. In this article, we’ll share a list of the top 10 RBI-approved loan apps in India for 2025.
The Reserve Bank of India (RBI) regulates financial services to protect borrowers from fraud and unfair practices. RBI-approved loan apps follow all RBI guidelines, which means they are safe, secure, and legally compliant. These apps ensure transparency in their process and give users a reliable borrowing experience.
Be a responsible consumer and choose an RBI-approved loan apps that are either registered NBFCs or work in partnership with RBI-recognized NBFCs. See the list of RBI-approved loan apps below and choose the right app to apply your loan now.
RBI Approved Loan Apps in India 2025
Instant loan apps offer a seamless loan application process, a paperless experience, and access to funds right from your smartphone. However, you must be careful when choosing apps that are registered and regulated by the Reserve Bank of India (RBI). The RBI Approved Loan Apps, provide you peace of mind with clear terms and fair rates. Check out the list of RBI Approved Loan Apps in India 2025 below and choose the right one.
Top 10 RBI Approved Loan Apps in India 2025
If you’re looking for a secure loan, you should look for loan apps that work with RBI-registered NBFCs. The top 20 loan apps working with RBI-registered NBFCs are listed below.
#1: KreditBee
Loan Amount ➝ ₹1,000 to ₹3 Lakhs
NBFC Partner ➝ Krazybee Services Pvt Ltd
Repayment Tenure ➝ 3 to 24 months
Interest rate ➝ 17% – 29.95% p.a
#2: Kissht
Loan Amount ➝ ₹30,000 to ₹5 Lakhs
NBFC Partner ➝ Onemi Technology Solutions Pvt. Ltd.
Repayment Tenure ➝ 3-24 Months
Interest rate ➝ 14% to 45% p.a.
#3: LazyPay
Loan Amount ➝ ₹10,000 to ₹5 Lakhs
NBFC Partner ➝ PayU Finance India Pvt Ltd
Repayment Tenure ➝ up to 24 months
Interest rate ➝ Up to 32% PA
#4: Fibe
Loan Amount ➝ ₹8,000 to ₹5 Lakhs
NBFC Partner ➝ Social Worth Technologies Pvt Ltd
Repayment Tenure ➝ 3–24 months
Interest rate ➝ Starting from 18%
#5: FatakPay
Loan Amount ➝ Up to ₹2 Lakhs
NBFC Partner ➝ FatakPay Digital Pvt. Ltd.
Repayment Tenure ➝ 3-36 Months
Interest rate ➝ 12% to 42%.
How to Identify a Safe Loan App?
Before using any app, always:
- ✅ Check if it is registered with or backed by an RBI-authorized NBFC
- ✅ Visit RBI’s NBFC List Portal
- ✅ Avoid apps that ask for unnecessary permissions or upfront fees
- ✅ Read user reviews and privacy policies
Key features of RBI-approved apps
RBI (Reserve Bank of India) regulates digital lenders to protect borrowers from fraud. Key features of RBI-approved apps:
✔ Legal & safe (No harassment for repayment)
✔ Transparent interest rates & fees
✔ No hidden charges
✔ Data security compliance
⚠️ Avoid illegal apps like unauthorized Chinese lending platforms.
How do you apply online for an instant loan?
Applying for a loan through an RBI-approved app is a very easy and simple process. However, the process may differ depending on the lender. Follow the basic steps below to apply for a loan.
- Step 1: Download the App
Install the Loan App from the Google Play Store.
Register yourself with your mobile number and email.
- Step 2: Complete KYC
Upload PAN & Aadhaar (e-KYC verification).
Enter employment & bank details.
- Step 3: Select Loan Amount
Choose amount & the repayment tenure.
Check EMI breakdown.
- Step 4: Wait for Approval
Wait a few moment to process your application by lender.
Once your loan is approved.
- Step 5: Receive Funds
Approval in 10 minutes – 24 hours.
Amount credited to your bank account directly.
Conclusion
If you’re looking for a safe and quick personal loan in India, choose from these Top 10 RBI-approved loan apps. They offer transparent terms, instant approvals, and flexible EMIs—without compromising your financial safety.
👉 Compare and apply via LoanCr.Com to find the best loan based on your credit score and income.
