Is Onescore Loan App Safe? RBI DLA Directory Verdict
Directory checked 2026-10-12
- ✅ Listed in RBI's DLA directory as “Onescore”
- 🏛️ Deployed by: 3 regulated entities (see below)
- 📧 Grievance officer: customergrievance@onescore.app
- 🛡️ Complaint route: RBI CMS portal (free)
🔍 Onescore — What RBI's DLA Directory Records
| Regulated entity | INCRED FINANCIAL SERVICES LIMITED (FORMERLY KKR INDIA FINANCIAL SERVICES LTD) (NBFC) |
| LSP (Lending Service Provider) | FPL Consumer Services Private Limited |
| Entity website | https://www.incred.com |
| Grievance officer | Ketan Kulkarni |
| Grievance contact | customergrievance@onescore.app · 2065144852 |
| Regulated entity | SMFG INDIA CREDIT COMPANY LIMITED (NBFC) |
| LSP (Lending Service Provider) | FPL Consumer Service Pvt ltd |
| Entity website | https://www.smfgindiacredit.com/digital-lending-partner.aspx?tab=loan_details |
| Grievance officer | Ketan Kulkarni |
| Grievance contact | customergrievance@onescore.app · 2065144852 |
| Regulated entity | SOUTH INDIAN BANK LTD (BANK) |
| LSP (Lending Service Provider) | One Consumer Services Private Limited |
| Entity website | https://www.southindianbank.com |
| Grievance officer | Mr. Shine Kappen |
| Grievance contact | nodalofficer@sib.bank.in · 4872420020 |
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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 Onescore loan app safe?
Onescore is listed in RBI's public directory of Digital Lending Apps, deployed by 3 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 Onescore?
Onescore is deployed by 3 RBI-regulated entities: INCRED FINANCIAL SERVICES LIMITED (FORMERLY KKR INDIA FINANCIAL SERVICES LTD), SMFG INDIA CREDIT COMPANY LIMITED, SOUTH INDIAN BANK LTD. Your loan agreement names the specific entity for your loan — check it there.
Onescore customer care / grievance contact?
The grievance redressal officer on record for INCRED FINANCIAL SERVICES LIMITED (FORMERLY KKR INDIA FINANCIAL SERVICES LTD) is Ketan Kulkarni — customergrievance@onescore.app, 2065144852. Use this official contact, not helpline numbers found via Google search (scam helplines target loan-app users).
How do I complain against Onescore?
Step 1: raise the issue inside the app. Step 2: email the grievance officer (customergrievance@onescore.app). Step 3: no resolution in 30 days — escalate free to the RBI Ombudsman at cms.rbi.org.in.
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