Is Ruloans Loan App Safe? RBI DLA Directory Verdict
Directory checked 2026-09-01
- ✅ Listed in RBI's DLA directory as “Ruloans”
- 🏛️ Deployed by: 2 regulated entities (see below)
- 📧 Grievance officer: grievance@ruloans.com
- 🛡️ Complaint route: RBI CMS portal (free)
🔍 Ruloans — What RBI's DLA Directory Records
| Regulated entity | INCRED FINANCIAL SERVICES LIMITED (FORMERLY KKR INDIA FINANCIAL SERVICES LTD) (NBFC) |
| Entity website | https://www.incred.com |
| Grievance officer | Mr. Ankur Singh |
| Grievance contact | grievance@ruloans.com · 8828662087 |
| Regulated entity | PIRAMAL FINANCE LIMITED (FORMERLY KNOWN AS PIRAMAL CAPITAL & HOUSING FINANCE LIMITED) (NBFC) |
| Entity website | https://www.piramalfinance.com/about-us/lending-partners |
| Grievance officer | Mr. Ankur Singh |
| Grievance contact | grievance@ruloans.com · 8828662087 |
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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 Ruloans loan app safe?
Ruloans is listed in RBI's public directory of Digital Lending Apps, deployed by 2 regulated entities including 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 one of these entities before sharing KYC.
Which lender is behind Ruloans?
Ruloans is deployed by 2 RBI-regulated entities: INCRED FINANCIAL SERVICES LIMITED (FORMERLY KKR INDIA FINANCIAL SERVICES LTD), PIRAMAL FINANCE LIMITED (FORMERLY KNOWN AS PIRAMAL CAPITAL & HOUSING FINANCE LIMITED). Your loan agreement names the specific entity for your loan — check it there.
Ruloans customer care / grievance contact?
The grievance redressal officer on record for INCRED FINANCIAL SERVICES LIMITED (FORMERLY KKR INDIA FINANCIAL SERVICES LTD) is Mr. Ankur Singh — grievance@ruloans.com, 8828662087. Use this official contact, not helpline numbers found via Google search (scam helplines target loan-app users).
How do I complain against Ruloans?
Step 1: raise the issue inside the app. Step 2: email the grievance officer (grievance@ruloans.com). Step 3: no resolution in 30 days — escalate free to the RBI Ombudsman at cms.rbi.org.in.
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