Is KredSetu loan app safe?
Checked 9 Oct 2026 against RBI's list of lending apps, RBI's register of lenders and Google Play.
KredSetu names an RBI-registered lender, but is not in RBI's list of lending apps
RBI publishes the apps each regulated lender says it lends through. Narainsons Investments Finance & Consultancy Pvt. Ltd. has reported LOANZO, but not KredSetu. That alone doesn't make KredSetu illegal, but close the gap before you borrow: ask KredSetu which lender will sanction your loan, and check that your loan agreement and Key Fact Statement name Narainsons Investments Finance & Consultancy Pvt. Ltd. If they name someone else, or no one, don't sign.
Not sure about KredSetu? See loan offers from RBI-registered lenders instead.
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Grievance officer (as published by KredSetu)
Mr. Rakesh Jha · info@narainsons.in · +91 8796773705
Source: kredsetu.in, 9 Oct 2026. If they don't resolve your complaint in 30 days, go to RBI at cms.rbi.org.in.
Before you borrow from any app
- Find the lender's name in the app's About section and search it in our checker.
- Read the Key Fact Statement: it must show the lender, the full cost (APR) and every fee.
- Never pay a fee before the loan reaches your bank account.
- Don't give access to your contacts or photos.
Already borrowed and getting threats? See what to do about loan app harassment. Report an unregistered lender at sachet.rbi.org.in.
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Questions about KredSetu
Is KredSetu RBI approved?
Is KredSetu real or fake?
Who is the lender behind KredSetu?
RBI's list of lending apps is compiled from what regulated lenders report, without further checks by RBI, so a listing is not an approval and a missing app is not proof of fraud. Facts on this page were checked on 9 Oct 2026; RBI's list is re-checked every week.