Is Jodo Loan App Safe? RBI DLA Directory Verdict
Directory checked 2026-10-12
- ✅ Listed in RBI's DLA directory as “Jodo”
- 🏛️ Deployed by: 3 regulated entities (see below)
- 📧 Grievance officer: gro@jodopay.com
- 🛡️ Complaint route: RBI CMS portal (free)
🔍 Jodo — What RBI's DLA Directory Records
| Regulated entity | AVANSE FINANCIAL SERVICES LTD (NBFC) |
| LSP (Lending Service Provider) | Bharosepe Technology Services Pvt Ltd.* (No fresh sourcing from LSP arrangement) |
| Entity website | https://www.avanse.com |
| Grievance officer | Mr. Najmul Hossain Laskar |
| Grievance contact | gro@jodopay.com · 7003344185 |
| Regulated entity | HARI AND COMPANY INVESTMENTS MADRAS PRIVATE LIMITED (NBFC) |
| LSP (Lending Service Provider) | Bharosepe Technology Services Pvt Ltd. |
| Entity website | https://www.vivriticapital.com/ |
| Grievance officer | Najmul Hossain |
| Grievance contact | gro@jodopay.com · 0 |
| Regulated entity | VIVRITI CAPITAL LIMITED (EARLIER KNOWN AS HARI AND COMPANY INVESTMENTS MADRAS PRIVATE LIMITED) (NBFC) |
| LSP (Lending Service Provider) | Bharosepe Technology Services Pvt Ltd. |
| Entity website | https://www.vivriticapital.com/ |
| Grievance officer | Najmul Hossain |
| Grievance contact | gro@jodopay.com · 0 |
📱 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 Jodo loan app safe?
Jodo is listed in RBI's public directory of Digital Lending Apps, deployed by 3 regulated entities including AVANSE FINANCIAL SERVICES 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 Jodo?
Jodo is deployed by 3 RBI-regulated entities: AVANSE FINANCIAL SERVICES LTD, HARI AND COMPANY INVESTMENTS MADRAS PRIVATE LIMITED, VIVRITI CAPITAL LIMITED (EARLIER KNOWN AS HARI AND COMPANY INVESTMENTS MADRAS PRIVATE LIMITED). Your loan agreement names the specific entity for your loan — check it there.
Jodo customer care / grievance contact?
The grievance redressal officer on record for AVANSE FINANCIAL SERVICES LTD is Mr. Najmul Hossain Laskar — gro@jodopay.com, 7003344185. Use this official contact, not helpline numbers found via Google search (scam helplines target loan-app users).
How do I complain against Jodo?
Step 1: raise the issue inside the app. Step 2: email the grievance officer (gro@jodopay.com). Step 3: no resolution in 30 days — escalate free to the RBI Ombudsman at cms.rbi.org.in.
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