Fake loan app list: check any loan app against RBI's directory

RBI publishes the list of genuine apps, not fake ones. Its directory of digital lending apps, live since 1 July 2025, holds the apps that banks and NBFCs report to it. An app that isn't in it and names no regulated lender is the main warning sign. Since 28 January 2026, Google Play in India also requires every personal loan app to be on RBI's list.

Latest fake loan app list check: apps not in RBI's directory

Apps people searched for that we checked by hand and could not find in RBI's directory (as of 26 Oct 2026). We don't call any app fake; each line says what we found. Updated every week.

Apps also leave RBI's directory when a lender stops working with them or renames them, including banks' own apps, so a removal is not proof of fraud. See the weekly record of apps added to and removed from RBI's directory →

7 days fake loan app list: signs of a fake loan app

• No lender namedA genuine app names the bank or NBFC that gives the loan, in the app and in your loan agreement.
• Not in RBI’s directoryCheck the app’s name above. Since January 2026, Google Play in India also requires loan apps to be on RBI’s list.
• A fee before the loan“Processing”, “file” or “insurance” money asked for before any loan reaches your bank account.
• Access to contacts and photosAsking for your contact list or gallery. Illegal apps have used them to threaten borrowers.
• An APK linkAn app you are asked to install from a link, outside Google Play.
• A 7-day loan with a big cutA loan where much of the amount is deducted upfront and the rest is due in a week. A short tenure alone isn’t illegal, but this pattern is common in illegal apps.

Already borrowed from an app and being threatened?

Keep screenshots and call records and don't pay more under threat. Report it on the cybercrime helpline 1930 or at cybercrime.gov.in, and report unregulated lenders to RBI on Sachet. What to do about loan app harassment →