Is Upswing Loan App Safe? RBI DLA Directory Verdict
Directory checked 2026-09-01
- ✅ Listed in RBI's DLA directory as “Upswing”
- 🏛️ Deployed by: 2 regulated entities (see below)
- 📧 Grievance officer: grievance@upswing.one
- 🛡️ Complaint route: RBI CMS portal (free)
🔍 Upswing — 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 | Simran Bindra |
| Grievance contact | grievance@upswing.one · 9311702428 |
| Regulated entity | L&T FINANCE LIMITED (FORMERLY L&T FINANCE HOLDINGS LIMITED) (NBFC) |
| Entity website | https://www.ltfinance.com/ |
| Grievance officer | Simran Bindra |
| Grievance contact | grievance@upswing.one · 0 |
📱 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 Upswing loan app safe?
Upswing 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 Upswing?
Upswing is deployed by 2 RBI-regulated entities: INCRED FINANCIAL SERVICES LIMITED (FORMERLY KKR INDIA FINANCIAL SERVICES LTD), L&T FINANCE LIMITED (FORMERLY L&T FINANCE HOLDINGS LIMITED). Your loan agreement names the specific entity for your loan — check it there.
Upswing customer care / grievance contact?
The grievance redressal officer on record for INCRED FINANCIAL SERVICES LIMITED (FORMERLY KKR INDIA FINANCIAL SERVICES LTD) is Simran Bindra — grievance@upswing.one, 9311702428. Use this official contact, not helpline numbers found via Google search (scam helplines target loan-app users).
How do I complain against Upswing?
Step 1: raise the issue inside the app. Step 2: email the grievance officer (grievance@upswing.one). Step 3: no resolution in 30 days — escalate free to the RBI Ombudsman at cms.rbi.org.in.
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