Is NIRA Loan App Safe? RBI DLA Directory Verdict
Directory checked 2026-10-12
- ✅ Listed in RBI's DLA directory as “NIRA”
- 🏛️ Deployed by: 3 regulated entities (see below)
- 📧 Grievance officer: grievance@nirafinance.com
- 🛡️ Complaint route: RBI CMS portal (free)
🔍 NIRA — What RBI's DLA Directory Records
| Regulated entity | APOLLO FINVEST (INDIA) LTD. (NBFC) |
| LSP (Lending Service Provider) | SHUHARI TECH VENTURES PRIVATE LIMITED |
| Entity website | https://www.apollofinvest.com/ |
| Grievance officer | Goutham R |
| Grievance contact | grievance@nirafinance.com · 9513723121 |
| Regulated entity | KOMAC INVESTMENTS & FINANCE PVT. LTD. (NBFC) |
| LSP (Lending Service Provider) | Shuhari tech ventures PVT LTD |
| Entity website | https://kifpl.com/ |
| Grievance officer | "1. Pranaya Kumar Biswal (General Queries) 2. Sashikanta Parhi (Collection-related Complaints)" |
| Grievance contact | grievance@nirafinance.com · 7618789180 |
| Regulated entity | PAYU FINANCE INDIA PRIVATE LIMITED (FORMERLY KNOWN AS SIDVIK LEASING PVT. LTD.) (NBFC) |
| LSP (Lending Service Provider) | Shuhari Tech Ventures Private Limited |
| Entity website | https://www.payufin.in/ |
| Grievance officer | Goutham R |
| Grievance contact | grievance@nirafinance.com · 9513723121 |
📱 Distributed via: iOS App Store · 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 NIRA loan app safe?
NIRA is listed in RBI's public directory of Digital Lending Apps, deployed by 3 regulated entities including APOLLO FINVEST (INDIA) 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 NIRA?
NIRA is deployed by 3 RBI-regulated entities: APOLLO FINVEST (INDIA) LTD., KOMAC INVESTMENTS & FINANCE PVT. LTD., PAYU FINANCE INDIA PRIVATE LIMITED (FORMERLY KNOWN AS SIDVIK LEASING PVT. LTD.). Your loan agreement names the specific entity for your loan — check it there.
NIRA customer care / grievance contact?
The grievance redressal officer on record for APOLLO FINVEST (INDIA) LTD. is Goutham R — grievance@nirafinance.com, 9513723121. Use this official contact, not helpline numbers found via Google search (scam helplines target loan-app users).
How do I complain against NIRA?
Step 1: raise the issue inside the app. Step 2: email the grievance officer (grievance@nirafinance.com). Step 3: no resolution in 30 days — escalate free to the RBI Ombudsman at cms.rbi.org.in.
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