Is Paytm Loan App Safe? RBI DLA Directory Verdict
Directory checked 2026-10-12
- ✅ Listed in RBI's DLA directory as “Paytm”
- 🏛️ Deployed by: 6 regulated entities (see below)
- 📧 Grievance officer: grievance.businessloan@paytm.com
- 🛡️ Complaint route: RBI CMS portal (free)
🔍 Paytm — What RBI's DLA Directory Records
| Regulated entity | ADITYA BIRLA CAPITAL LIMITED (MERGED WITH ADITYA BIRLA FINANCE LIMITED) (NBFC) |
| LSP (Lending Service Provider) | One97 Communications Limited |
| Entity website | https://www.adityabirlacapital.com/loans/our-digital-lending-platform-partners |
| Grievance officer | Aditya Ranade |
| Grievance contact | grievance.businessloan@paytm.com · 1205083345 |
| Regulated entity | AXIS BANK LIMITED (BANK) |
| LSP (Lending Service Provider) | One97 Communications Limited |
| Entity website | https://www.axis.bank.in/ |
| Grievance officer | Mr. Aditya Ranade |
| Grievance contact | grievance-redressal_loandistribution@paytm.com · 1205083345 |
| Regulated entity | EARLYSALARY SERVICES PRIVATE LIMITED (OLD NAME ASHISH SECURITIES PVT. LTD.) (NBFC) |
| LSP (Lending Service Provider) | One97 Communications Limited |
| Entity website | https://www.earlysalary.in |
| Grievance officer | Aditya Ranade |
| Grievance contact | grievance-redressal_loandistribution@paytm.com · 1205083345 |
| Regulated entity | FEDERAL BANK LTD (BANK) |
| LSP (Lending Service Provider) | One97 Communications Limited |
| Entity website | https://www.federalbank.co.in/personal-loans-paytm |
| Grievance officer | Aditya Ranade |
| Grievance contact | grievance-redressal_loandistribution@paytm.com · 1205083345 |
| Regulated entity | HARI AND COMPANY INVESTMENTS MADRAS PRIVATE LIMITED (NBFC) |
| LSP (Lending Service Provider) | Paytm for Business App |
| Entity website | https://www.vivriticapital.com/ |
| Grievance officer | Mr. Aditya Ranade |
| Grievance contact | grievance.businessloan@paytm.com · 1205083345 |
| Regulated entity | HERO FINCORP LIMITED (NBFC) |
| LSP (Lending Service Provider) | One97 Communications Limited |
| Entity website | https://www.herofincorp.com/ |
| Grievance officer | Mr.Aditya Ranade(One97 Communications Limited) (GRO)Mr. Monish Vohra (Hero FinCorp Limited) (GRO) |
| Grievance contact | grievance-redressal_lending@paytm.comnodal.officer@herofincorp.com · 1205083345 |
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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 Paytm loan app safe?
Paytm is listed in RBI's public directory of Digital Lending Apps, deployed by 6 regulated entities including ADITYA BIRLA CAPITAL LIMITED (MERGED WITH ADITYA BIRLA FINANCE 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 Paytm?
Paytm is deployed by 6 RBI-regulated entities: ADITYA BIRLA CAPITAL LIMITED (MERGED WITH ADITYA BIRLA FINANCE LIMITED), AXIS BANK LIMITED, EARLYSALARY SERVICES PRIVATE LIMITED (OLD NAME ASHISH SECURITIES PVT. LTD.), FEDERAL BANK LTD, HARI AND COMPANY INVESTMENTS MADRAS PRIVATE LIMITED, HERO FINCORP LIMITED. Your loan agreement names the specific entity for your loan — check it there.
Paytm customer care / grievance contact?
The grievance redressal officer on record for ADITYA BIRLA CAPITAL LIMITED (MERGED WITH ADITYA BIRLA FINANCE LIMITED) is Aditya Ranade — grievance.businessloan@paytm.com, 1205083345. Use this official contact, not helpline numbers found via Google search (scam helplines target loan-app users).
How do I complain against Paytm?
Step 1: raise the issue inside the app. Step 2: email the grievance officer (grievance.businessloan@paytm.com). Step 3: no resolution in 30 days — escalate free to the RBI Ombudsman at cms.rbi.org.in.
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