Is NinjaCart Loan App Safe? RBI DLA Directory Verdict
Directory checked 2026-09-01
- ✅ Listed in RBI's DLA directory as “NinjaCart”
- 🏛️ Deployed by: IDFC FIRST BANK LIMITED (BANK)
- 📧 Grievance officer: grievance@ninjacartservices.com
- 🛡️ Complaint route: RBI CMS portal (free)
🔍 NinjaCart — What RBI's DLA Directory Records
| Regulated entity | IDFC FIRST BANK LIMITED (BANK) |
| Entity website | https://www.idfcfirstbank.com/personal-banking/adlp/digital-lending-partners |
| Grievance officer | Mr. Raghavendra Rao |
| Grievance contact | grievance@ninjacartservices.com · 8035018270 |
📱 Distributed via: iOS App Store · Google Play
Source: RBI — Digital Lending Apps deployed by Regulated Entities (public directory), checked 2026-09-01. 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.
Not sure NinjaCart is your best option?
GoCredit AI compares 100+ RBI-registered lenders for your profile — no CIBIL hit.
Get Real Offers — Free →❓ Quick Answers
Is NinjaCart loan app safe?
NinjaCart is listed in RBI's public directory of Digital Lending Apps, deployed by IDFC FIRST BANK LIMITED (BANK). 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 NinjaCart?
NinjaCart is deployed by IDFC FIRST BANK LIMITED, a BANK regulated by RBI. This is the legal lender named in your loan agreement.
NinjaCart customer care / grievance contact?
The grievance redressal officer on record is Mr. Raghavendra Rao — grievance@ninjacartservices.com, 8035018270. Use this official contact, not helpline numbers found via Google search (scam helplines target loan-app users).
How do I complain against NinjaCart?
Step 1: raise the issue inside the app. Step 2: email the grievance officer (grievance@ninjacartservices.com). Step 3: no resolution in 30 days — escalate free to the RBI Ombudsman at cms.rbi.org.in.
📚 Related
Check Another Loan App →
Instant verdict against RBI's DLA directory.
RBI Complaint (free) →
RB-IOS 2026 — no lawyer needed.
Report a Fake Loan App →
Verify the NBFC + Sachet filing walkthrough.
Low CIBIL Loan Apps →
Lenders that approve below 650.
Compare NinjaCart vs 100+ Lenders — Free →
Zero CIBIL impact. Real offers in 30 seconds.