Is Olyv (SmartCoin) Loan App Safe? RBI DLA Directory Verdict
Directory checked 2026-10-12
- ✅ Listed in RBI's DLA directory as “Olyv (SmartCoin)”
- 🏛️ Deployed by: 3 regulated entities (see below)
- 📧 Grievance officer: grievance@smartcoin.co.in
- 🛡️ Complaint route: RBI CMS portal (free)
🔍 Olyv (SmartCoin) — What RBI's DLA Directory Records
| Regulated entity | HARI AND COMPANY INVESTMENTS MADRAS PRIVATE LIMITED (NBFC) |
| LSP (Lending Service Provider) | SmartCoin Financials Private Limited |
| Entity website | https://www.vivriticapital.com/ |
| Grievance officer | Ms. Nimisha Agrawal |
| Grievance contact | grievance@smartcoin.co.in · 9986640571 |
| Regulated entity | VIVRITI CAPITAL LIMITED (EARLIER KNOWN AS HARI AND COMPANY INVESTMENTS MADRAS PRIVATE LIMITED) (NBFC) |
| LSP (Lending Service Provider) | SmartCoin Financials Private Limited |
| Entity website | https://www.vivriticapital.com/ |
| Grievance officer | Ms. Nimisha Agrawal |
| Grievance contact | grievance@smartcoin.co.in · 9986640571 |
| Regulated entity | PAYU FINANCE INDIA PRIVATE LIMITED (FORMERLY KNOWN AS SIDVIK LEASING PVT. LTD.) (NBFC) |
| LSP (Lending Service Provider) | Smartcoin Financials Private Limited |
| Entity website | https://www.payufin.in/ |
| Grievance officer | Nimisha Agarwal |
| Grievance contact | grievance@smartcoin.co.in · 9986640571 |
📱 Distributed via: Google Play · Website · iOS App Store
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 (SmartCoin) loan app safe?
Olyv (SmartCoin) is listed in RBI's public directory of Digital Lending Apps, deployed by 3 regulated entities including HARI AND COMPANY INVESTMENTS MADRAS PRIVATE 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 Olyv (SmartCoin)?
Olyv (SmartCoin) is deployed by 3 RBI-regulated entities: HARI AND COMPANY INVESTMENTS MADRAS PRIVATE LIMITED, VIVRITI CAPITAL LIMITED (EARLIER KNOWN AS HARI AND COMPANY INVESTMENTS MADRAS PRIVATE LIMITED), 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.
Olyv (SmartCoin) customer care / grievance contact?
The grievance redressal officer on record for HARI AND COMPANY INVESTMENTS MADRAS PRIVATE LIMITED is Ms. Nimisha Agrawal — 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 (SmartCoin)?
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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