Is Cash By Cred Loan App Safe? RBI DLA Directory Verdict
Directory checked 2026-10-12
- ✅ Listed in RBI's DLA directory as “Cash By Cred”
- 🏛️ Deployed by: 3 regulated entities (see below)
- 📧 Grievance officer: grievanceofficer@cred.club
- 🛡️ Complaint route: RBI CMS portal (free)
🔍 Cash By Cred — What RBI's DLA Directory Records
| Regulated entity | OXYZO FINANCIAL SERVICES LIMITED (FORMERLY KNOWN AS OXYZO FINANCIAL SERVICES PRIVATE LIMITED) (NBFC) |
| LSP (Lending Service Provider) | Dreamplug Technologies Pvt Ltd |
| Entity website | https://respo.co.in/ |
| Grievance officer | Mr. Atul Kumar Patro |
| Grievance contact | grievanceofficer@cred.club · 8062209150 |
| Regulated entity | POONAWALLA FINCORP LTD (NBFC) |
| LSP (Lending Service Provider) | Dreamplug Technologies Private Limited |
| Entity website | https://poonawallafincorp.com/digital-partnership-cashbycred |
| Grievance officer | Mr. Atul Kumar Patro |
| Grievance contact | grievanceofficer@cred.club · 8062209150 |
| Regulated entity | RESPO FINANCIAL CAPITAL PRIVATE LIMITED (NBFC) |
| LSP (Lending Service Provider) | Dreamplug Technologies Pvt Ltd |
| Entity website | https://respo.co.in/ |
| Grievance officer | Mr. Atul Kumar Patro |
| Grievance contact | grievanceofficer@cred.club · 8062209150 |
📱 Distributed via: Google Play · 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.
Not sure Cash By Cred is your best option?
No app. No contacts access. Just your offer — from 100+ RBI-registered lenders, with no CIBIL hit.
Get Real Offers — Free →Popular with borrowers
❓ Quick Answers
Is Cash By Cred loan app safe?
Cash By Cred is listed in RBI's public directory of Digital Lending Apps, deployed by 3 regulated entities including OXYZO FINANCIAL SERVICES LIMITED (FORMERLY KNOWN AS OXYZO FINANCIAL SERVICES 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 Cash By Cred?
Cash By Cred is deployed by 3 RBI-regulated entities: OXYZO FINANCIAL SERVICES LIMITED (FORMERLY KNOWN AS OXYZO FINANCIAL SERVICES PRIVATE LIMITED), POONAWALLA FINCORP LTD, RESPO FINANCIAL CAPITAL PRIVATE LIMITED. Your loan agreement names the specific entity for your loan — check it there.
Cash By Cred customer care / grievance contact?
The grievance redressal officer on record for OXYZO FINANCIAL SERVICES LIMITED (FORMERLY KNOWN AS OXYZO FINANCIAL SERVICES PRIVATE LIMITED) is Mr. Atul Kumar Patro — grievanceofficer@cred.club, 8062209150. Use this official contact, not helpline numbers found via Google search (scam helplines target loan-app users).
How do I complain against Cash By Cred?
Step 1: raise the issue inside the app. Step 2: email the grievance officer (grievanceofficer@cred.club). 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 Cash By Cred vs 100+ Lenders — Free →
Zero CIBIL impact. Real offers in 30 seconds.