Is CRED Loan App Safe? RBI DLA Directory Verdict
Directory checked 2026-10-12
- ✅ Listed in RBI's DLA directory as “CRED: UPI, Credit Cards, Bills”
- 🏛️ Deployed by: DBS BANK INDIA LIMITED (BANK)
- 🤝 LSP: Dreamplug Technologies Pvt Ltd (Lending Service Provider, per RBI's directory). The loan itself is given by DBS BANK INDIA LIMITED.
- 📧 Grievance officer: grievanceofficer@cred.club
- 🛡️ Complaint route: RBI CMS portal (free)
🔍 CRED — What RBI's DLA Directory Records
| Regulated entity | DBS BANK INDIA LIMITED (BANK) |
| LSP (Lending Service Provider) | Dreamplug Technologies Pvt Ltd |
| Entity website | https://www.dbs.com/digibank/in/digital-lending-partnership.page |
| Grievance officer | Atul Patro |
| Grievance contact | grievanceofficer@cred.club · 2266147578 |
📱 Distributed via: iOS App Store · Google Play
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 CRED loan app safe?
CRED: UPI, Credit Cards, Bills is listed in RBI's public directory of Digital Lending Apps, deployed by DBS BANK INDIA LIMITED (BANK). The listing is reported by the regulated entity on RBI's CIMS portal — always confirm the lender named inside the app matches this entity before sharing KYC.
Which lender is behind CRED?
CRED: UPI, Credit Cards, Bills is deployed by DBS BANK INDIA LIMITED, a BANK regulated by RBI. This is the legal lender named in your loan agreement.
CRED customer care / grievance contact?
The grievance redressal officer on record is Atul Patro — grievanceofficer@cred.club, 2266147578. 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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