Is Overdraft against FD/RD Loan App Safe? RBI DLA Directory Verdict
Directory checked 2026-10-12
- ✅ Listed in RBI's DLA directory as “Overdraft against FD/RD”
- 🏛️ Deployed by: UCO BANK (BANK)
- 📧 Grievance officer: rajan.bhagat@ucobank.co.in
- 🛡️ Complaint route: RBI CMS portal (free)
🔍 Overdraft against FD/RD — What RBI's DLA Directory Records
| Regulated entity | UCO BANK (BANK) |
| LSP (Lending Service Provider) | None: the app is self-owned by the regulated entity |
| Entity website | https://www.ucobank.com |
| Grievance officer | Mr. Rajan Kumar Bhagat |
| Grievance contact | rajan.bhagat@ucobank.co.in · 3344557120 |
📱 Distributed via: UCO Mbanking Plus app
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 Overdraft against FD/RD loan app safe?
Overdraft against FD/RD is listed in RBI's public directory of Digital Lending Apps, deployed by UCO BANK (BANK). 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 Overdraft against FD/RD?
Overdraft against FD/RD is deployed by UCO BANK, a BANK regulated by RBI. This is the legal lender named in your loan agreement.
Overdraft against FD/RD customer care / grievance contact?
The grievance redressal officer on record is Mr. Rajan Kumar Bhagat — rajan.bhagat@ucobank.co.in, 3344557120. Use this official contact, not helpline numbers found via Google search (scam helplines target loan-app users).
How do I complain against Overdraft against FD/RD?
Step 1: raise the issue inside the app. Step 2: email the grievance officer (rajan.bhagat@ucobank.co.in). Step 3: no resolution in 30 days — escalate free to the RBI Ombudsman at cms.rbi.org.in.
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