Is Arthum Loan App Safe? RBI DLA Directory Verdict
Directory checked 2026-10-12
- ✅ Listed in RBI's DLA directory as “Arthum”
- 🏛️ Deployed by: 2 regulated entities (see below)
- 📧 Grievance officer: legal@arthum.co.in
- 🛡️ Complaint route: RBI CMS portal (free)
🔍 Arthum — What RBI's DLA Directory Records
| Regulated entity | UGRO CAPITAL LIMITED (PREVIOUSLY CHOKHANI SECURITIES LIMITED) (NBFC) |
| LSP (Lending Service Provider) | Avyayam Infotech Private Limited |
| Entity website | https://www.ugrocapital.com/lending-service-provider#digital-Lending-apps |
| Grievance officer | Ms. Vinita Vishwakarma |
| Grievance contact | legal@arthum.co.in · 9354463218 |
| Regulated entity | UGRO CAPITAL LIMITED (PREVIOUSLY CHOKHANI SECURITIES LIMITED)* (NBFC) |
| LSP (Lending Service Provider) | Avyayam Infotech Private Limited |
| Entity website | https://www.ugrocapital.com/lending-service-provider#digital-Lending-apps |
| Grievance officer | Ms. Vinita Vishwakarma |
| Grievance contact | legal@arthum.co.in · 9354463218 |
📱 Distributed via: Website
Source: RBI — Digital Lending Apps deployed by Regulated Entities (public directory), checked 2026-10-12. Listings are reported by the regulated entities on RBI's CIMS portal without further validation by RBI — a listing is not an RBI endorsement. Always confirm the lender named inside the app matches the entity above before sharing documents.
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❓ Quick Answers
Is Arthum loan app safe?
Arthum is listed in RBI's public directory of Digital Lending Apps, deployed by 2 regulated entities including UGRO CAPITAL LIMITED (PREVIOUSLY CHOKHANI SECURITIES LIMITED) (NBFC). The listing is reported by the regulated entity on RBI's CIMS portal — always confirm the lender named inside the app matches one of these entities before sharing KYC.
Which lender is behind Arthum?
Arthum is deployed by 2 RBI-regulated entities: UGRO CAPITAL LIMITED (PREVIOUSLY CHOKHANI SECURITIES LIMITED), UGRO CAPITAL LIMITED (PREVIOUSLY CHOKHANI SECURITIES LIMITED)*. Your loan agreement names the specific entity for your loan — check it there.
Arthum customer care / grievance contact?
The grievance redressal officer on record for UGRO CAPITAL LIMITED (PREVIOUSLY CHOKHANI SECURITIES LIMITED) is Ms. Vinita Vishwakarma — legal@arthum.co.in, 9354463218. Use this official contact, not helpline numbers found via Google search (scam helplines target loan-app users).
How do I complain against Arthum?
Step 1: raise the issue inside the app. Step 2: email the grievance officer (legal@arthum.co.in). Step 3: no resolution in 30 days — escalate free to the RBI Ombudsman at cms.rbi.org.in.
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