Is Cred Loan App Safe? RBI DLA Directory Verdict
Directory checked 2026-09-01
- ✅ Listed in RBI's DLA directory as “Cred”
- 🏛️ Deployed by: 6 regulated entities (see below)
- 📧 Grievance officer: grievanceofficer@cred.club
- 🛡️ Complaint route: RBI CMS portal (free)
🔍 Cred — What RBI's DLA Directory Records
| Regulated entity | ADITYA BIRLA CAPITAL LIMITED (MERGED WITH ADITYA BIRLA FINANCE LIMITED) (NBFC) |
| Entity website | https://www.adityabirlacapital.com/loans/our-digital-lending-platform-partners |
| Grievance officer | Mr. Atul Patro |
| Grievance contact | grievanceofficer@cred.club · 8062209150 |
| Regulated entity | DMI FINANCE PVT LTD. (NBFC) |
| Entity website | https://www.dmifinance.in/ |
| Grievance officer | Mr. Atul Kumar Patro |
| Grievance contact | grievanceofficer@cred.club · 8062209150 |
| Regulated entity | DSP FINANCE PRIVATE LIMITED (NBFC) |
| Entity website | https://dspfin.com/ |
| Grievance officer | Mr Atul Kumar Patro |
| Grievance contact | grievanceofficer@cred.club · 8062209150 |
| Regulated entity | HARI AND COMPANY INVESTMENTS MADRAS PRIVATE LIMITED (NBFC) |
| Entity website | https://www.vivriticapital.com/ |
| Grievance officer | Atul Patro |
| Grievance contact | grievanceofficer@cred.club · 0 |
| Regulated entity | IDFC FIRST BANK LIMITED (BANK) |
| Entity website | https://www.idfcfirstbank.com/personal-banking/adlp/digital-lending-partners |
| Grievance officer | Mr. Atul Patro |
| Grievance contact | grievanceofficer@cred.club · 8062209150 |
| Regulated entity | KISETSU SAISON FINANCE (INDIA) PRIVATE LIMITED (NBFC) |
| Entity website | https://creditsaison.in/partnercontact |
| Grievance officer | Atul Patro |
| Grievance contact | grievanceofficer@cred.club · 8062209150 |
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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.
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Is Cred loan app safe?
Cred is listed in RBI's public directory of Digital Lending Apps, deployed by 6 regulated entities including ADITYA BIRLA CAPITAL LIMITED (MERGED WITH ADITYA BIRLA FINANCE 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 Cred?
Cred is deployed by 6 RBI-regulated entities: ADITYA BIRLA CAPITAL LIMITED (MERGED WITH ADITYA BIRLA FINANCE LIMITED), DMI FINANCE PVT LTD., DSP FINANCE PRIVATE LIMITED, HARI AND COMPANY INVESTMENTS MADRAS PRIVATE LIMITED, IDFC FIRST BANK LIMITED, KISETSU SAISON FINANCE (INDIA) PRIVATE LIMITED. Your loan agreement names the specific entity for your loan — check it there.
Cred customer care / grievance contact?
The grievance redressal officer on record for ADITYA BIRLA CAPITAL LIMITED (MERGED WITH ADITYA BIRLA FINANCE LIMITED) is Mr. Atul 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 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.
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