Is Olyv Loan App Safe? RBI DLA Directory Verdict
Directory checked 2026-10-12
- ✅ Listed in RBI's DLA directory as “Olyv”
- 🏛️ Deployed by: 2 regulated entities (see below)
- 📧 Grievance officer: grievance@smartcoin.co.in
- 🛡️ Complaint route: RBI CMS portal (free)
🔍 Olyv — What RBI's DLA Directory Records
| Regulated entity | INCRED FINANCIAL SERVICES LIMITED (FORMERLY KKR INDIA FINANCIAL SERVICES LTD) (NBFC) |
| LSP (Lending Service Provider) | SmartCoin Financials Private Limited |
| Entity website | https://www.incred.com |
| Grievance officer | Moushumi Mukherjee |
| Grievance contact | grievance@smartcoin.co.in · 9986640571 |
| Regulated entity | UPMOVE CAPITAL PRIVATE LIMITED (NBFC) |
| LSP (Lending Service Provider) | Smartcoin Financials Private limited |
| Entity website | https://upmove.in/ |
| Grievance officer | Moushumi Mukherjee |
| Grievance contact | grievance@smartcoin.co.in · 9986640571 |
📱 Distributed via: Google Play · Indus App Bazaar · MI Store · Website
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 Olyv loan app safe?
Olyv is listed in RBI's public directory of Digital Lending Apps, deployed by 2 regulated entities including INCRED FINANCIAL SERVICES LIMITED (FORMERLY KKR INDIA FINANCIAL SERVICES 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 Olyv?
Olyv is deployed by 2 RBI-regulated entities: INCRED FINANCIAL SERVICES LIMITED (FORMERLY KKR INDIA FINANCIAL SERVICES LTD), UPMOVE CAPITAL PRIVATE LIMITED. Your loan agreement names the specific entity for your loan — check it there.
Olyv customer care / grievance contact?
The grievance redressal officer on record for INCRED FINANCIAL SERVICES LIMITED (FORMERLY KKR INDIA FINANCIAL SERVICES LTD) is Moushumi Mukherjee — grievance@smartcoin.co.in, 9986640571. Use this official contact, not helpline numbers found via Google search (scam helplines target loan-app users).
How do I complain against Olyv?
Step 1: raise the issue inside the app. Step 2: email the grievance officer (grievance@smartcoin.co.in). Step 3: no resolution in 30 days — escalate free to the RBI Ombudsman at cms.rbi.org.in.
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