Is Upwards by Lendingkart. Loan App Safe? RBI DLA Directory Verdict
Directory checked 2026-10-12
- ✅ Listed in RBI's DLA directory as “Upwards by Lendingkart.”
- 🏛️ Deployed by: 2 regulated entities (see below)
- 📧 Grievance officer: grievance.redressal@lendingkart.com
- 🛡️ Complaint route: RBI CMS portal (free)
🔍 Upwards by Lendingkart. — What RBI's DLA Directory Records
| Regulated entity | HARI AND COMPANY INVESTMENTS MADRAS PRIVATE LIMITED (NBFC) |
| LSP (Lending Service Provider) | Lendingkart Technologies Private Limited |
| Entity website | https://www.vivriticapital.com/ |
| Grievance officer | Ajitha K |
| Grievance contact | grievance.redressal@lendingkart.com · 6358874622 |
| Regulated entity | VIVRITI CAPITAL LIMITED (EARLIER KNOWN AS HARI AND COMPANY INVESTMENTS MADRAS PRIVATE LIMITED) (NBFC) |
| LSP (Lending Service Provider) | Lendingkart Technologies Private Limited |
| Entity website | https://www.vivriticapital.com/ |
| Grievance officer | Ajitha K |
| Grievance contact | grievance.redressal@lendingkart.com · 6358874622 |
📱 Distributed via: Google Play
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 Upwards by Lendingkart. loan app safe?
Upwards by Lendingkart. is listed in RBI's public directory of Digital Lending Apps, deployed by 2 regulated entities including HARI AND COMPANY INVESTMENTS MADRAS 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 Upwards by Lendingkart.?
Upwards by Lendingkart. is deployed by 2 RBI-regulated entities: HARI AND COMPANY INVESTMENTS MADRAS PRIVATE LIMITED, VIVRITI CAPITAL LIMITED (EARLIER KNOWN AS HARI AND COMPANY INVESTMENTS MADRAS PRIVATE LIMITED). Your loan agreement names the specific entity for your loan — check it there.
Upwards by Lendingkart. customer care / grievance contact?
The grievance redressal officer on record for HARI AND COMPANY INVESTMENTS MADRAS PRIVATE LIMITED is Ajitha K — grievance.redressal@lendingkart.com, 6358874622. Use this official contact, not helpline numbers found via Google search (scam helplines target loan-app users).
How do I complain against Upwards by Lendingkart.?
Step 1: raise the issue inside the app. Step 2: email the grievance officer (grievance.redressal@lendingkart.com). Step 3: no resolution in 30 days — escalate free to the RBI Ombudsman at cms.rbi.org.in.
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