Is Straight through Processing (STP) Credit Card Loan App Safe? RBI DLA Directory Verdict
Directory checked 2026-10-12
- ✅ Listed in RBI's DLA directory as “Straight through Processing (STP) Credit Card”
- 🏛️ Deployed by: PUNJAB NATIONAL BANK (BANK)
- 📧 Grievance officer: vkmishra@pnb.bank.in
- 🛡️ Complaint route: RBI CMS portal (free)
🔍 Straight through Processing (STP) Credit Card — What RBI's DLA Directory Records
| Regulated entity | PUNJAB NATIONAL BANK (BANK) |
| LSP (Lending Service Provider) | None: the app is self-owned by the regulated entity |
| Entity website | https://pnb.bank.in/ |
| Grievance officer | Vijay Kumar Mishra |
| Grievance contact | vkmishra@pnb.bank.in · 1204478925 |
📱 Distributed via: 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 Straight through Processing (STP) Credit Card loan app safe?
Straight through Processing (STP) Credit Card is listed in RBI's public directory of Digital Lending Apps, deployed by PUNJAB NATIONAL 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 Straight through Processing (STP) Credit Card?
Straight through Processing (STP) Credit Card is deployed by PUNJAB NATIONAL BANK, a BANK regulated by RBI. This is the legal lender named in your loan agreement.
Straight through Processing (STP) Credit Card customer care / grievance contact?
The grievance redressal officer on record is Vijay Kumar Mishra — vkmishra@pnb.bank.in, 1204478925. Use this official contact, not helpline numbers found via Google search (scam helplines target loan-app users).
How do I complain against Straight through Processing (STP) Credit Card?
Step 1: raise the issue inside the app. Step 2: email the grievance officer (vkmishra@pnb.bank.in). Step 3: no resolution in 30 days — escalate free to the RBI Ombudsman at cms.rbi.org.in.
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