Is Khatabook credit account book Loan App Safe? RBI DLA Directory Verdict
Directory checked 2026-10-12
- ✅ Listed in RBI's DLA directory as “Khatabook credit account book”
- 🏛️ Deployed by: SMFG INDIA CREDIT COMPANY LIMITED (NBFC)
- 🤝 LSP: ADJ Utilities Private Limited (Khatabook) (Lending Service Provider, per RBI's directory). The loan itself is given by SMFG INDIA CREDIT COMPANY LIMITED.
- 📧 Grievance officer: grievanceofficer.manager@khatabook.com
- 🛡️ Complaint route: RBI CMS portal (free)
🔍 Khatabook credit account book — What RBI's DLA Directory Records
| Regulated entity | SMFG INDIA CREDIT COMPANY LIMITED (NBFC) |
| LSP (Lending Service Provider) | ADJ Utilities Private Limited (Khatabook) |
| Entity website | https://www.smfgindiacredit.com/digital-lending-partner.aspx?tab=loan_details |
| Grievance officer | Yogesh Pawade |
| Grievance contact | grievanceofficer.manager@khatabook.com · 8045684568 |
📱 Distributed via: 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 Khatabook credit account book loan app safe?
Khatabook credit account book is listed in RBI's public directory of Digital Lending Apps, deployed by SMFG INDIA CREDIT COMPANY 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 Khatabook credit account book?
Khatabook credit account book is deployed by SMFG INDIA CREDIT COMPANY LIMITED, a NBFC regulated by RBI. This is the legal lender named in your loan agreement.
Khatabook credit account book customer care / grievance contact?
The grievance redressal officer on record is Yogesh Pawade — grievanceofficer.manager@khatabook.com, 8045684568. Use this official contact, not helpline numbers found via Google search (scam helplines target loan-app users).
How do I complain against Khatabook credit account book?
Step 1: raise the issue inside the app. Step 2: email the grievance officer (grievanceofficer.manager@khatabook.com). Step 3: no resolution in 30 days — escalate free to the RBI Ombudsman at cms.rbi.org.in.
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