Is https Loan App Safe? RBI DLA Directory Verdict
Directory checked 2026-10-12
- ✅ Listed in RBI's DLA directory as “https://karmalife.ai/”
- 🏛️ Deployed by: FYNX CAPITAL LIMITED (EARLIER KNOWN AS RAJATH FINANCE LIMITED) (NBFC)
- 🤝 LSP: Onionlife Private Limited (Lending Service Provider, per RBI's directory). The loan itself is given by FYNX CAPITAL LIMITED (EARLIER KNOWN AS RAJATH FINANCE LIMITED).
- 📧 Grievance officer: grievance@karmalife.ai
- 🛡️ Complaint route: RBI CMS portal (free)
🔍 https — What RBI's DLA Directory Records
| Regulated entity | FYNX CAPITAL LIMITED (EARLIER KNOWN AS RAJATH FINANCE LIMITED) (NBFC) |
| LSP (Lending Service Provider) | Onionlife Private Limited |
| Entity website | https://www.i2ifunding.com/ |
| Grievance officer | Lavita Shetty |
| Grievance contact | grievance@karmalife.ai · 804736038300000 |
📱 Distributed via: 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 https loan app safe?
https://karmalife.ai/ is listed in RBI's public directory of Digital Lending Apps, deployed by FYNX CAPITAL LIMITED (EARLIER KNOWN AS RAJATH 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 this entity before sharing KYC.
Which lender is behind https?
https://karmalife.ai/ is deployed by FYNX CAPITAL LIMITED (EARLIER KNOWN AS RAJATH FINANCE LIMITED), a NBFC regulated by RBI. This is the legal lender named in your loan agreement.
https customer care / grievance contact?
The grievance redressal officer on record is Lavita Shetty — grievance@karmalife.ai, 804736038300000. Use this official contact, not helpline numbers found via Google search (scam helplines target loan-app users).
How do I complain against https?
Step 1: raise the issue inside the app. Step 2: email the grievance officer (grievance@karmalife.ai). Step 3: no resolution in 30 days — escalate free to the RBI Ombudsman at cms.rbi.org.in.
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