Is CreditSea Loan App Safe? RBI DLA Directory Verdict
Directory checked 2026-10-12
- ✅ Listed in RBI's DLA directory as “CreditSea”
- 🏛️ Deployed by: 3 regulated entities (see below)
- 📧 Grievance officer: romelkumar@creditsea.com
- 🛡️ Complaint route: RBI CMS portal (free)
🔍 CreditSea — What RBI's DLA Directory Records
| Regulated entity | CHHOTARIA SECURITIES PVT. LTD. (NBFC) |
| LSP (Lending Service Provider) | Innotech Creditsea Platforms Private Limited |
| Entity website | https://www.chhotariasecurities.com/ |
| Grievance officer | Romel Kumar |
| Grievance contact | romelkumar@creditsea.com · 9589393499 |
| Regulated entity | GSB FINANCE LTD. (NBFC) |
| LSP (Lending Service Provider) | Innotech Creditsea Platforms Private Limited |
| Entity website | https://gsbfinancelimited.com/ |
| Grievance officer | Vatsala Vatsa |
| Grievance contact | grievance@creditsea.com · 8962968393 |
| Regulated entity | MEGHDOOT MERCANTILE PVT. LTD. (NBFC) |
| LSP (Lending Service Provider) | Innotech Creditsea Platforms Private Limited |
| Entity website | https://www.meghdootmercantile.com/ |
| Grievance officer | Romel Kumar |
| Grievance contact | romelkumar@creditsea.com · 9589393499 |
📱 Distributed via: iOS App Store · 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.
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❓ Quick Answers
Is CreditSea loan app safe?
CreditSea is listed in RBI's public directory of Digital Lending Apps, deployed by 3 regulated entities including CHHOTARIA SECURITIES PVT. LTD. (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 CreditSea?
CreditSea is deployed by 3 RBI-regulated entities: CHHOTARIA SECURITIES PVT. LTD., GSB FINANCE LTD., MEGHDOOT MERCANTILE PVT. LTD.. Your loan agreement names the specific entity for your loan — check it there.
CreditSea customer care / grievance contact?
The grievance redressal officer on record for CHHOTARIA SECURITIES PVT. LTD. is Romel Kumar — romelkumar@creditsea.com, 9589393499. Use this official contact, not helpline numbers found via Google search (scam helplines target loan-app users).
How do I complain against CreditSea?
Step 1: raise the issue inside the app. Step 2: email the grievance officer (romelkumar@creditsea.com). Step 3: no resolution in 30 days — escalate free to the RBI Ombudsman at cms.rbi.org.in.
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