Is Mobikwik Loan App Safe? RBI DLA Directory Verdict
Directory checked 2026-10-12
- ✅ Listed in RBI's DLA directory as “Mobikwik: BHIM UPI & Wallet”
- 🏛️ Deployed by: 2 regulated entities (see below)
- 📧 Grievance officer: nodal@mobikwik.com
- 🛡️ Complaint route: RBI CMS portal (free)
🔍 Mobikwik — What RBI's DLA Directory Records
| Regulated entity | SMFG INDIA CREDIT COMPANY LIMITED (NBFC) |
| LSP (Lending Service Provider) | One MobiKwik Systems Limited |
| Entity website | https://www.smfgindiacredit.com/digital-lending-partner.aspx?tab=loan_details |
| Grievance officer | Prashant Gandhi |
| Grievance contact | nodal@mobikwik.com · 8069898317 |
| Regulated entity | NORTHERN ARC CAPITAL LIMITED (NBFC) |
| LSP (Lending Service Provider) | One Mobikwik Systems Limited |
| Entity website | https://www.northernarc.com |
| Grievance officer | Prashant Gandhi |
| Grievance contact | nodal@mobikwik.com · 8069898317 |
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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 Mobikwik loan app safe?
Mobikwik: BHIM UPI & Wallet is listed in RBI's public directory of Digital Lending Apps, deployed by 2 regulated entities including 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 one of these entities before sharing KYC.
Which lender is behind Mobikwik?
Mobikwik: BHIM UPI & Wallet is deployed by 2 RBI-regulated entities: SMFG INDIA CREDIT COMPANY LIMITED, NORTHERN ARC CAPITAL LIMITED. Your loan agreement names the specific entity for your loan — check it there.
Mobikwik customer care / grievance contact?
The grievance redressal officer on record for SMFG INDIA CREDIT COMPANY LIMITED is Prashant Gandhi — nodal@mobikwik.com, 8069898317. Use this official contact, not helpline numbers found via Google search (scam helplines target loan-app users).
How do I complain against Mobikwik?
Step 1: raise the issue inside the app. Step 2: email the grievance officer (nodal@mobikwik.com). Step 3: no resolution in 30 days — escalate free to the RBI Ombudsman at cms.rbi.org.in.
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