Is PayInstaCard Private Limited Loan App Safe? RBI DLA Directory Verdict
Directory checked 2026-10-12
- ✅ Listed in RBI's DLA directory as “PayInstaCard Private Limited”
- 🏛️ Deployed by: INCRED FINANCIAL SERVICES LIMITED (FORMERLY KKR INDIA FINANCIAL SERVICES LTD) (NBFC)
- 🤝 LSP: PayInstaCard Private Limited (Lending Service Provider, per RBI's directory). The loan itself is given by INCRED FINANCIAL SERVICES LIMITED (FORMERLY KKR INDIA FINANCIAL SERVICES LTD).
- 📧 Grievance officer: compliances@payinstacard.com
- 🛡️ Complaint route: RBI CMS portal (free)
🔍 PayInstaCard Private Limited — What RBI's DLA Directory Records
| Regulated entity | INCRED FINANCIAL SERVICES LIMITED (FORMERLY KKR INDIA FINANCIAL SERVICES LTD) (NBFC) |
| LSP (Lending Service Provider) | PayInstaCard Private Limited |
| Entity website | https://www.incred.com |
| Grievance officer | Preeti Ojha |
| Grievance contact | compliances@payinstacard.com · 9100420520 |
📱 Distributed via: iOS App Store · 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 PayInstaCard Private Limited loan app safe?
PayInstaCard Private Limited is listed in RBI's public directory of Digital Lending Apps, deployed by 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 this entity before sharing KYC.
Which lender is behind PayInstaCard Private Limited?
PayInstaCard Private Limited is deployed by INCRED FINANCIAL SERVICES LIMITED (FORMERLY KKR INDIA FINANCIAL SERVICES LTD), a NBFC regulated by RBI. This is the legal lender named in your loan agreement.
PayInstaCard Private Limited customer care / grievance contact?
The grievance redressal officer on record is Preeti Ojha — compliances@payinstacard.com, 9100420520. Use this official contact, not helpline numbers found via Google search (scam helplines target loan-app users).
How do I complain against PayInstaCard Private Limited?
Step 1: raise the issue inside the app. Step 2: email the grievance officer (compliances@payinstacard.com). Step 3: no resolution in 30 days — escalate free to the RBI Ombudsman at cms.rbi.org.in.
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