Is Bharat Khata Loan App Safe? RBI DLA Directory Verdict
Directory checked 2026-09-01
- ✅ Listed in RBI's DLA directory as “Bharat Khata”
- 🏛️ Deployed by: 2 regulated entities (see below)
- 📧 Grievance officer: mrityunjaya@jai-kisan.com
- 🛡️ Complaint route: RBI CMS portal (free)
🔍 Bharat Khata — What RBI's DLA Directory Records
| Regulated entity | KUSHAL FINNOVATION CAPITAL PRIVATE LIMITED (NBFC) |
| Entity website | https://www.kfcpl.co.in/ |
| Grievance officer | Mrityunjaya Yeli |
| Grievance contact | mrityunjaya@jai-kisan.com · 9972588700 |
| Regulated entity | SCIL CAPITAL INDIA PRIVATE LIMITED (NBFC) |
| Entity website | http://www.scilcapital.com/ |
| Grievance officer | Mr. Mrityunjaya Yeli |
| Grievance contact | mrityunjaya@jai-kisan.com · 9972588700 |
📱 Distributed via: Google Play
Source: RBI — Digital Lending Apps deployed by Regulated Entities (public directory), checked 2026-09-01. 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.
Not sure Bharat Khata is your best option?
GoCredit AI compares 100+ RBI-registered lenders for your profile — no CIBIL hit.
Get Real Offers — Free →❓ Quick Answers
Is Bharat Khata loan app safe?
Bharat Khata is listed in RBI's public directory of Digital Lending Apps, deployed by 2 regulated entities including KUSHAL FINNOVATION CAPITAL PRIVATE 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 Bharat Khata?
Bharat Khata is deployed by 2 RBI-regulated entities: KUSHAL FINNOVATION CAPITAL PRIVATE LIMITED, SCIL CAPITAL INDIA PRIVATE LIMITED. Your loan agreement names the specific entity for your loan — check it there.
Bharat Khata customer care / grievance contact?
The grievance redressal officer on record for KUSHAL FINNOVATION CAPITAL PRIVATE LIMITED is Mrityunjaya Yeli — mrityunjaya@jai-kisan.com, 9972588700. Use this official contact, not helpline numbers found via Google search (scam helplines target loan-app users).
How do I complain against Bharat Khata?
Step 1: raise the issue inside the app. Step 2: email the grievance officer (mrityunjaya@jai-kisan.com). Step 3: no resolution in 30 days — escalate free to the RBI Ombudsman at cms.rbi.org.in.
📚 Related
Check Another Loan App →
Instant verdict against RBI's DLA directory.
RBI Complaint (free) →
RB-IOS 2026 — no lawyer needed.
Report a Fake Loan App →
Verify the NBFC + Sachet filing walkthrough.
Low CIBIL Loan Apps →
Lenders that approve below 650.
Compare Bharat Khata vs 100+ Lenders — Free →
Zero CIBIL impact. Real offers in 30 seconds.