Is Payme Loan App Safe? RBI DLA Directory Verdict
Directory checked 2026-09-01
- ✅ Listed in RBI's DLA directory as “Payme”
- 🏛️ Deployed by: 4 regulated entities (see below)
- 📧 Grievance officer: ?shalini.rai@paymeindia.in
- 🛡️ Complaint route: RBI CMS portal (free)
🔍 Payme — What RBI's DLA Directory Records
| Regulated entity | NIYOGIN FINTECH LIMITED (NBFC) |
| Entity website | https://niyogin.com/ |
| Grievance officer | Shalini Rai |
| Grievance contact | ?shalini.rai@paymeindia.in · 8510048787 |
| Regulated entity | PAYME INDIA FINANCIAL SERVICES PRIVATE LIMITED (NBFC) |
| Entity website | https://www.pmifs.com/ |
| Grievance officer | Mr. Azhar Khan |
| Grievance contact | grievance@paymeindia.in · 1206971400 |
| Regulated entity | RULOANS FINANCIAL SERVICES PVT LTD (NBFC) |
| Entity website | https://www.ruloansfinancial.com/ |
| Grievance officer | Mr. Azhar Khan |
| Grievance contact | grievance@paymeindia.in · 1206971400 |
| Regulated entity | SCALEUP FINANCIAL SERVICES PRIVATE LIMITED (EARLIER KNOWN AS PAYME INDIA FINANCIAL SERVICES PRIVATE LIMITED) (NBFC) |
| Entity website | https://scaleupfinancial.com/ |
| Grievance officer | Mr. Azhar Khan |
| Grievance contact | grievance@paymeindia.in · 1206971400 |
📱 Distributed via: Website · iOS App Store
Source: RBI — Digital Lending Apps deployed by Regulated Entities (public directory), checked 2026-09-01. 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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Is Payme loan app safe?
Payme is listed in RBI's public directory of Digital Lending Apps, deployed by 4 regulated entities including NIYOGIN FINTECH LIMITED (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 Payme?
Payme is deployed by 4 RBI-regulated entities: NIYOGIN FINTECH LIMITED, PAYME INDIA FINANCIAL SERVICES PRIVATE LIMITED, RULOANS FINANCIAL SERVICES PVT LTD, SCALEUP FINANCIAL SERVICES PRIVATE LIMITED (EARLIER KNOWN AS PAYME INDIA FINANCIAL SERVICES PRIVATE LIMITED). Your loan agreement names the specific entity for your loan — check it there.
Payme customer care / grievance contact?
The grievance redressal officer on record for NIYOGIN FINTECH LIMITED is Shalini Rai — ?shalini.rai@paymeindia.in, 8510048787. Use this official contact, not helpline numbers found via Google search (scam helplines target loan-app users).
How do I complain against Payme?
Step 1: raise the issue inside the app. Step 2: email the grievance officer (?shalini.rai@paymeindia.in). Step 3: no resolution in 30 days — escalate free to the RBI Ombudsman at cms.rbi.org.in.
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