Is Olyv (SmartCoin) Personal Loan Loan App Safe? RBI DLA Directory Verdict
Directory checked 2026-10-12
- ✅ Listed in RBI's DLA directory as “Olyv (SmartCoin) Personal Loan”
- 🏛️ Deployed by: NORTHERN ARC CAPITAL LIMITED (NBFC)
- 🤝 LSP: Smartcoin Financials Private limited (Lending Service Provider, per RBI's directory). The loan itself is given by NORTHERN ARC CAPITAL LIMITED.
- 📧 Grievance officer: grievance@smartcoin.co.in
- 🛡️ Complaint route: RBI CMS portal (free)
🔍 Olyv (SmartCoin) Personal Loan — What RBI's DLA Directory Records
| Regulated entity | NORTHERN ARC CAPITAL LIMITED (NBFC) |
| LSP (Lending Service Provider) | Smartcoin Financials Private limited |
| Entity website | https://www.northernarc.com |
| Grievance officer | Ravi Kumar |
| Grievance contact | grievance@smartcoin.co.in · 9986640571 |
📱 Distributed via: iOS App 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 (SmartCoin) Personal Loan loan app safe?
Olyv (SmartCoin) Personal Loan is listed in RBI's public directory of Digital Lending Apps, deployed by NORTHERN ARC CAPITAL LIMITED (NBFC). 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 Olyv (SmartCoin) Personal Loan?
Olyv (SmartCoin) Personal Loan is deployed by NORTHERN ARC CAPITAL LIMITED, a NBFC regulated by RBI. This is the legal lender named in your loan agreement.
Olyv (SmartCoin) Personal Loan customer care / grievance contact?
The grievance redressal officer on record is Ravi Kumar — 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) Personal Loan?
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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