Is Uni Cards Loan App Safe? RBI DLA Directory Verdict
Directory checked 2026-10-12
- ✅ Listed in RBI's DLA directory as “Uni Cards:Next-gen cards & Paychek”
- 🏛️ Deployed by: KISETSU SAISON FINANCE (INDIA) PRIVATE LIMITED (NBFC)
- 🤝 LSP: Uniorbit Technologies Private Limited (Lending Service Provider, per RBI's directory). The loan itself is given by KISETSU SAISON FINANCE (INDIA) PRIVATE LIMITED.
- 📧 Grievance officer: gro@uni.club
- 🛡️ Complaint route: RBI CMS portal (free)
🔍 Uni Cards — What RBI's DLA Directory Records
| Regulated entity | KISETSU SAISON FINANCE (INDIA) PRIVATE LIMITED (NBFC) |
| LSP (Lending Service Provider) | Uniorbit Technologies Private Limited |
| Entity website | https://creditsaison.in/partnercontact |
| Grievance officer | Danish Mirza |
| Grievance contact | gro@uni.club · 8068216821 |
📱 Distributed via: iOS App Store · Google Play · 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 Uni Cards loan app safe?
Uni Cards:Next-gen cards & Paychek is listed in RBI's public directory of Digital Lending Apps, deployed by KISETSU SAISON FINANCE (INDIA) 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 this entity before sharing KYC.
Which lender is behind Uni Cards?
Uni Cards:Next-gen cards & Paychek is deployed by KISETSU SAISON FINANCE (INDIA) PRIVATE LIMITED, a NBFC regulated by RBI. This is the legal lender named in your loan agreement.
Uni Cards customer care / grievance contact?
The grievance redressal officer on record is Danish Mirza — gro@uni.club, 8068216821. Use this official contact, not helpline numbers found via Google search (scam helplines target loan-app users).
How do I complain against Uni Cards?
Step 1: raise the issue inside the app. Step 2: email the grievance officer (gro@uni.club). Step 3: no resolution in 30 days — escalate free to the RBI Ombudsman at cms.rbi.org.in.
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