Is Zapcash Loan App Safe? RBI DLA Directory Verdict
Directory checked 2026-10-08
- ✅ Listed in RBI's DLA directory as “Zapcash - Quick Loans”
- 🏛️ Deployed by: BMW FIN-INVEST PRIVATE LIMITED (NBFC)
- 🤝 Operated by: OMNISTACK INNOVATION PRIVATE LIMITED — a Lending Service Provider running the app on the regulated entity's behalf, per RBI's directory
- 📧 Grievance officer: grievance@bmwfininvest.com
- 🛡️ Complaint route: RBI CMS portal (free)
🔍 Zapcash — What RBI's DLA Directory Records
| Regulated entity | BMW FIN-INVEST PRIVATE LIMITED (NBFC) |
| Operated by | OMNISTACK INNOVATION PRIVATE LIMITED (Lending Service Provider) |
| Entity website | https://www.bmwfininvest.com/ |
| Grievance officer | Sumit Rajan |
| Grievance contact | grievance@bmwfininvest.com · 7665466546 |
📱 Distributed via: iOS App Store · Google Play · Website
Source: RBI — Digital Lending Apps deployed by Regulated Entities (public directory), checked 2026-10-08. 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.
Not sure Zapcash is your best option?
No app. No contacts access. Just your offer — from 100+ RBI-registered lenders, with no CIBIL hit.
Get Real Offers — Free →Popular with borrowers
❓ Quick Answers
Is Zapcash loan app safe?
Zapcash - Quick Loans is listed in RBI's public directory of Digital Lending Apps, deployed by BMW FIN-INVEST 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 Zapcash?
Zapcash - Quick Loans is deployed by BMW FIN-INVEST PRIVATE LIMITED, a NBFC regulated by RBI. This is the legal lender named in your loan agreement.
Zapcash customer care / grievance contact?
The grievance redressal officer on record is Sumit Rajan — grievance@bmwfininvest.com, 7665466546. Use this official contact, not helpline numbers found via Google search (scam helplines target loan-app users).
How do I complain against Zapcash?
Step 1: raise the issue inside the app. Step 2: email the grievance officer (grievance@bmwfininvest.com). Step 3: no resolution in 30 days — escalate free to the RBI Ombudsman at cms.rbi.org.in.
📚 Related
Check Another Loan App →
Instant verdict against RBI's DLA directory.
RBI Complaint (free) →
RB-IOS 2026 — no lawyer needed.
Report a Fake Loan App →
Verify the NBFC + Sachet filing walkthrough.
Low CIBIL Loan Apps →
Lenders that approve below 650.
Compare Zapcash vs 100+ Lenders — Free →
Zero CIBIL impact. Real offers in 30 seconds.