Is GoCredit Loan App Safe? RBI DLA Directory Verdict
Directory checked 2026-10-12
- ✅ Listed in RBI's DLA directory as “GoCredit”
- 🏛️ Deployed by: 5 regulated entities (see below)
- 📧 Grievance officer: https://play.google.com/store/apps/details?id=money.gocredit.ai
- 🛡️ Complaint route: RBI CMS portal (free)
🔍 GoCredit — What RBI's DLA Directory Records
| Regulated entity | CHHOTARIA SECURITIES PVT. LTD. (NBFC) |
| LSP (Lending Service Provider) | Vijayalakshmi Technology Infinity NKB Private Limited |
| Entity website | https://www.chhotariasecurities.com/ |
| Grievance officer | RAUNAK KUMAR JHA |
| Grievance contact | https://play.google.com/store/apps/details?id=money.gocredit.ai · 9650844278 |
| Regulated entity | FDPL FINANCE PRIVATE LIMITED (NBFC) |
| LSP (Lending Service Provider) | Vijayalakshmi Technology Infinity NKB Private Limited |
| Entity website | https://www.fdplfinance.com/ |
| Grievance officer | Raunak Kumar Jha |
| Grievance contact | raunak@gocredit.money · 8792934271 |
| Regulated entity | MEGHDOOT MERCANTILE PVT. LTD. (NBFC) |
| LSP (Lending Service Provider) | Vijayalakshmi Technology Infinity NKB Private Limited |
| Entity website | https://www.meghdootmercantile.com/ |
| Grievance officer | RAUNAK KUMAR JHA |
| Grievance contact | RAUNAK@LAMP.CREDIT · 9650844278 |
| Regulated entity | NICE FINANCE AND LEASING PRIVATE LIMITED (NBFC) |
| LSP (Lending Service Provider) | Vijayalakshmi Technology Infinity NKB Private Limited |
| Entity website | https://www.gocredit.money |
| Grievance officer | Raunak Kumar Jha |
| Grievance contact | support@gocredit.money · 879293427000000 |
| Regulated entity | R.K. BANSAL FINANCE LTD. (NBFC) |
| LSP (Lending Service Provider) | Vijaylaxmi Technology Infinity NKB Pvt Ltd |
| Entity website | https://www.rkbfinance.in/ |
| Grievance officer | Raunak Kumar Jha |
| Grievance contact | grievance@gocredit.money · 8792934271 |
📱 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.
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❓ Quick Answers
Is GoCredit loan app safe?
GoCredit is listed in RBI's public directory of Digital Lending Apps, deployed by 5 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 GoCredit?
GoCredit is deployed by 5 RBI-regulated entities: CHHOTARIA SECURITIES PVT. LTD., FDPL FINANCE PRIVATE LIMITED, MEGHDOOT MERCANTILE PVT. LTD., NICE FINANCE AND LEASING PRIVATE LIMITED, R.K. BANSAL FINANCE LTD.. Your loan agreement names the specific entity for your loan — check it there.
GoCredit customer care / grievance contact?
The grievance redressal officer on record for CHHOTARIA SECURITIES PVT. LTD. is RAUNAK KUMAR JHA — https://play.google.com/store/apps/details?id=money.gocredit.ai, 9650844278. Use this official contact, not helpline numbers found via Google search (scam helplines target loan-app users).
How do I complain against GoCredit?
Step 1: raise the issue inside the app. Step 2: email the grievance officer (https://play.google.com/store/apps/details?id=money.gocredit.ai). Step 3: no resolution in 30 days — escalate free to the RBI Ombudsman at cms.rbi.org.in.
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