Is OTO Loan App Safe? RBI DLA Directory Verdict
Directory checked 2026-10-12
- ✅ Listed in RBI's DLA directory as “OTO: Buy Bikes at lowest price”
- 🏛️ Deployed by: NORTHERN ARC CAPITAL LIMITED (NBFC)
- 🤝 LSP: 1T9 Technology Private Limited (Lending Service Provider, per RBI's directory). The loan itself is given by NORTHERN ARC CAPITAL LIMITED.
- 📧 Grievance officer: gro@otocapital.in
- 🛡️ Complaint route: RBI CMS portal (free)
🔍 OTO — What RBI's DLA Directory Records
| Regulated entity | NORTHERN ARC CAPITAL LIMITED (NBFC) |
| LSP (Lending Service Provider) | 1T9 Technology Private Limited |
| Entity website | https://www.northernarc.com |
| Grievance officer | Panchdeo Pandey |
| Grievance contact | gro@otocapital.in · 9372081131 |
📱 Distributed via: Google Play
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: Buy Bikes at lowest price 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 OTO?
OTO: Buy Bikes at lowest price is deployed by NORTHERN ARC CAPITAL LIMITED, a NBFC regulated by RBI. This is the legal lender named in your loan agreement.
OTO customer care / grievance contact?
The grievance redressal officer on record is Panchdeo Pandey — gro@otocapital.in, 9372081131. 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). Step 3: no resolution in 30 days — escalate free to the RBI Ombudsman at cms.rbi.org.in.
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