Is Google Pay Loan App Safe? RBI DLA Directory Verdict
Directory checked 2026-10-12
- ✅ Listed in RBI's DLA directory as “Google Pay”
- 🏛️ Deployed by: 5 regulated entities (see below)
- 📧 Grievance officer: nodal-grievance-lending@google.com
- 🛡️ Complaint route: RBI CMS portal (free)
🔍 Google Pay — What RBI's DLA Directory Records
| Regulated entity | ADITYA BIRLA CAPITAL LIMITED (MERGED WITH ADITYA BIRLA FINANCE LIMITED) (NBFC) |
| LSP (Lending Service Provider) | Google India Digital Services Pvt Ltd |
| Entity website | https://www.adityabirlacapital.com/loans/our-digital-lending-platform-partners |
| Grievance officer | Ms. Sascha Baljeet Gil |
| Grievance contact | nodal-grievance-lending@google.com · 18004190157 |
| Regulated entity | AXIS BANK LIMITED (BANK) |
| LSP (Lending Service Provider) | Google India Digital Services (Google Pay) |
| Entity website | https://www.axis.bank.in/ |
| Grievance officer | Ms. Sascha Baljeet Gill |
| Grievance contact | nodal-grievance-lending@google.com · 18004190157 |
| Regulated entity | DMI FINANCE PVT LTD. (NBFC) |
| LSP (Lending Service Provider) | Google India Digital Services Pvt Ltd |
| Entity website | https://www.dmifinance.in/ |
| Grievance officer | Sascha Baljeet Gill |
| Grievance contact | nodal-grievance-lending@google.com · 18004190157 |
| Regulated entity | IDFC FIRST BANK LIMITED (BANK) |
| LSP (Lending Service Provider) | Google India Digital Services Private Limited |
| Entity website | https://www.idfcfirstbank.com/personal-banking/adlp/digital-lending-partners |
| Grievance officer | Ms. Sascha Baljeet Gill |
| Grievance contact | nodal-grievance-lending@google.com · 18004190157 |
| Regulated entity | L&T FINANCE LIMITED (FORMERLY L&T FINANCE HOLDINGS LIMITED) (NBFC) |
| LSP (Lending Service Provider) | Google India Digital Services Private Limited |
| Entity website | https://www.ltfinance.com/ |
| Grievance officer | Sascha Baljeet Gill |
| Grievance contact | nodal-grievance-lending@google.com · 18004190157 |
📱 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 Google Pay loan app safe?
Google Pay is listed in RBI's public directory of Digital Lending Apps, deployed by 5 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 Google Pay?
Google Pay is deployed by 5 RBI-regulated entities: ADITYA BIRLA CAPITAL LIMITED (MERGED WITH ADITYA BIRLA FINANCE LIMITED), AXIS BANK LIMITED, DMI FINANCE PVT LTD., IDFC FIRST BANK LIMITED, L&T FINANCE LIMITED (FORMERLY L&T FINANCE HOLDINGS LIMITED). Your loan agreement names the specific entity for your loan — check it there.
Google Pay customer care / grievance contact?
The grievance redressal officer on record for ADITYA BIRLA CAPITAL LIMITED (MERGED WITH ADITYA BIRLA FINANCE LIMITED) is Ms. Sascha Baljeet Gil — nodal-grievance-lending@google.com, 18004190157. Use this official contact, not helpline numbers found via Google search (scam helplines target loan-app users).
How do I complain against Google Pay?
Step 1: raise the issue inside the app. Step 2: email the grievance officer (nodal-grievance-lending@google.com). Step 3: no resolution in 30 days — escalate free to the RBI Ombudsman at cms.rbi.org.in.
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