Suspect a Fake Loan App? Verify the NBFC First.

You can't verify the app itself — fake apps copy real branding and reviews. The only reliable check is the NBFC behind the loan. If it's RBI-registered, the loan is legal. If not, you're dealing with a scam.

Verify the NBFC behind the loan

Find the NBFC name in your loan agreement, sanction letter, or the disbursement bank statement (the credit narration shows the sender entity). Search it below.

Search the NBFC, not the loan app. Many loan apps are DSAs (including GoCredit) — the actual lender is the NBFC named in your loan agreement.

If the NBFC isn't registered — report to RBI Sachet

Sachet is RBI's official portal for reporting unauthorised entities and fake loan apps. The report goes to RBI directly and triggers regulatory action against the operator.

RBI Sachet Portal

sachet.rbi.org.in

Submit the app name, the NBFC name (as it appeared in your loan documents, even if unverified), screenshots, payment proofs, and any harassment evidence.

While you're sorting this out — do not:

Pay any “processing fee”, “GST”, or “recovery charge” over UPI to the app or its agents
Share fresh KYC, OTPs, or new bank account details with anyone claiming to “clear” your loan
Engage with WhatsApp threats or doctored photos — these are coercion tactics, not legal action
Delete the app or chat history — you'll need it as evidence for the Sachet filing

Already facing harassment or recovery threats?

Loan Kavach handles the active side — sending legal notice to the operator, drafting the Sachet filing, and helping you respond to coercive recovery agents. Useful when reporting alone isn't enough and you need someone on your side.

Get Loan Kavach support →

GoCredit is not a lender, regulator, or law enforcement agency. The RBI Sachet portal is operated by the Reserve Bank of India. NBFC verification data is sourced from RBI's public registration records.