Is OTO Loan App Safe? RBI DLA Directory Verdict
Directory checked 2026-10-12
- ✅ Listed in RBI's DLA directory as “OTO”
- 🏛️ Deployed by: 2 regulated entities (see below)
- 📧 Grievance officer: gro@otocapital.in - OTO Capital pno@ujjivan.com - Ujjivan SFB
- 🛡️ Complaint route: RBI CMS portal (free)
🔍 OTO — What RBI's DLA Directory Records
| Regulated entity | UJJIVAN SMALL FINANCE BANK LIMITED (BANK) |
| LSP (Lending Service Provider) | OTO Capital |
| Entity website | https://www.ujjivansfb.in/ |
| Grievance officer | OTO Capital-Shobha DK, Ujjivan SFB- Prasad Telakkadan |
| Grievance contact | gro@otocapital.in - OTO Capital pno@ujjivan.com - Ujjivan SFB · 8040712121 |
| Regulated entity | WESTERN CAPITAL ADVISORS PRIVATE LIMITED (NBFC) |
| LSP (Lending Service Provider) | 1T9 Technology Private Limited |
| Entity website | https://www.otocapital.in/ |
| Grievance officer | Panchdeo Pandey |
| Grievance contact | legal@otocapital.in · 9.372081131e+16 |
📱 Distributed via: Google Play · 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 OTO loan app safe?
OTO is listed in RBI's public directory of Digital Lending Apps, deployed by 2 regulated entities including UJJIVAN SMALL FINANCE BANK LIMITED (BANK). 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 OTO?
OTO is deployed by 2 RBI-regulated entities: UJJIVAN SMALL FINANCE BANK LIMITED, WESTERN CAPITAL ADVISORS PRIVATE LIMITED. Your loan agreement names the specific entity for your loan — check it there.
OTO customer care / grievance contact?
The grievance redressal officer on record for UJJIVAN SMALL FINANCE BANK LIMITED is OTO Capital-Shobha DK, Ujjivan SFB- Prasad Telakkadan — gro@otocapital.in - OTO Capital pno@ujjivan.com - Ujjivan SFB, 8040712121. Use this official contact, not helpline numbers found via Google search (scam helplines target loan-app users).
How do I complain against OTO?
Step 1: raise the issue inside the app. Step 2: email the grievance officer (gro@otocapital.in - OTO Capital pno@ujjivan.com - Ujjivan SFB). Step 3: no resolution in 30 days — escalate free to the RBI Ombudsman at cms.rbi.org.in.
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