Is The EMI Club Loan App Safe? RBI DLA Directory Verdict
Directory checked 2026-09-01
- ✅ Listed in RBI's DLA directory as “The EMI Club”
- 🏛️ Deployed by: 2 regulated entities (see below)
- 📧 Grievance officer: grievance@theemiclub.com
- 🛡️ Complaint route: RBI CMS portal (free)
🔍 The EMI Club — What RBI's DLA Directory Records
| Regulated entity | FINTREE FINANCE PRIVATE LIMITED (NBFC) |
| Entity website | https://fintreefinance.com/ |
| Grievance officer | Shivani Thorbole |
| Grievance contact | grievance@theemiclub.com · 0 |
| Regulated entity | NAVKAR NIVESH PRIVATE LIMITED (NBFC) |
| Entity website | https://navkarnivesh.com |
| Grievance officer | SANKET NARVEKAR |
| Grievance contact | admin@navkarnivesh.com · 8828828759 |
📱 Distributed via: Website
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 The EMI Club loan app safe?
The EMI Club is listed in RBI's public directory of Digital Lending Apps, deployed by 2 regulated entities including FINTREE FINANCE PRIVATE 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 The EMI Club?
The EMI Club is deployed by 2 RBI-regulated entities: FINTREE FINANCE PRIVATE LIMITED, NAVKAR NIVESH PRIVATE LIMITED. Your loan agreement names the specific entity for your loan — check it there.
The EMI Club customer care / grievance contact?
The grievance redressal officer on record for FINTREE FINANCE PRIVATE LIMITED is Shivani Thorbole — grievance@theemiclub.com, 0. Use this official contact, not helpline numbers found via Google search (scam helplines target loan-app users).
How do I complain against The EMI Club?
Step 1: raise the issue inside the app. Step 2: email the grievance officer (grievance@theemiclub.com). Step 3: no resolution in 30 days — escalate free to the RBI Ombudsman at cms.rbi.org.in.
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