Top 10 RBI Approved Loan Apps in India You Can Trust

Not every app that promises instant loans is safe. Many borrowers have faced hidden charges or even fraud with unregistered platforms. To protect users, the Reserve Bank of India (RBI) only allows apps that operate through licensed banks and NBFCs. These are often called RBI approved loan apps India. They follow strict rules, disclose all costs clearly and ensure your data stays secure.

It’s important to note that RBI does not ‘approve’ individual apps. Instead, it regulates the banks and NBFCs behind them. Any app working under these entities must follow RBI’s digital lending guidelines, which adds another layer of safety for borrowers.

If you are looking for easy digital credit in 2025, stick to trusted names. Read on to explore the top 10 RBI approved loan apps 2025 and see why they are safer than unregulated players.

Why Choose RBI Approved Loan Apps?

Before we look at the list, it’s important to know why RBI approved loan apps matter. They follow strict rules that make borrowing safer and more transparent.

• Safety of data: Only regulated loan apps India can operate under RBI’s framework. So your personal and financial details are always protected.
• Transparent charges: You see all costs upfront – interest, fees and repayment terms with a clear Key Fact Statement before you borrow.

• Fair practices: Collection methods are closely monitored. Borrowers cannot be harassed and every step has to follow RBI rules.
• Credibility: These apps are backed by licensed NBFCs or banks. That makes them far more dependable than unregistered players.
• Grievance support: RBI requires every app to have clear customer support and escalation channels, so borrowers have a place to raise complaints if needed.

Top 10 RBI Approved Loan Apps 2025 

RBI authorised loan apps India cover a wide range of borrower needs, from students needing small-ticket loans to salaried professionals seeking larger amounts. Here is a quick look at some of the most popular RBI listed loan apps India, covering loan ranges, typical rates and tenure options at a glance.

Loan App	Loan Amount Range	Interest Rate (p.a.)	Tenure Range (months)
Fibe	₹8,000 – ₹5,00,000	12% – 30%	3 to 36
PaySense	₹5,000 – ₹5,00,000	16% – 36%	3 to 48
KreditBee	₹6,000 – ₹10,00,000	12% – 28.50%	6 to 60
Navi	₹10,000 – ₹20,00,000	Up to 26%	Up to 84
MoneyTap	₹3,000 – ₹5,00,000	15% – 36%	3 to 36
MoneyView	₹5,000 – ₹10,00,000	14% – 36%	3 to 60
CASHe	₹1,000 – ₹3,00,000	Up to 36%	9 to 18
BuddyLoan	₹10,000 – ₹15,00,000	Up to 21%	6 to 60
Bajaj Finserv	₹25,000 – ₹55,00,000	10% – 32%	6 to 96
mpokket	₹500 – ₹50,000	24% – 36% approx.	Up to 4

Eligibility Criteria for RBI Approved Loan Apps

Most RBI listed loan apps follow simple checks so more people can access credit safely:

• Age: Might vary with each lender. Usually it’s 19 to 55 years
• Employment: Lenders look for salaried or self-employed applicants with a steady income
• Documents: Basic details like Aadhaar, PAN and bank statements. Sometimes, salary slips or ITR are enough

Since loans are reported to credit bureaus like CIBIL, timely EMIs also help you build or improve your score.

Why These Loan Apps Are Growing Popular?

• Quick approval: AI-driven checks mean loans are often approved in minutes.
• Anytime access: You can apply 24/7, even on weekends and holidays.
• Alternative credit checks: Many apps support people with no credit history or CIBIL score by checking bank activity, UPI use or GST records.
• NBFC partnerships: Some apps work with NBFCs on co-lending models, which makes bigger loans possible while staying under RBI rules.
• Transparency: Most apps show APR, fees and repayment schedules clearly so you know the full cost upfront.

Sticking to RBI approved loan apps India is the safest way to borrow online. They bring speed, clarity and peace of mind while following all the right rules. Whether you are a student, freelancer or salaried professional, you will always find a trusted option to support your needs.

Having said that, if you want a hassle-free option, try the Fibe Instant Cash Loan. It is RBI-compliant, fully digital and lets you apply on the app to get up to ₹5 lakhs in minutes! 

FAQs on RBI Approved Loan Apps India 

Why should I use an RBI-approved loan app instead of a regular app?

RBI-approved apps are regulated and much safer. They show all charges upfront and follow fair lending rules.

Can I get instant loans from RBI-approved apps?

Yes. Most apps give same-day disbursal once your KYC is done.

How quickly is the loan amount disbursed?

Once your loan gets approved, the money is usually credited within a few hours.

Which loan app is approved by RBI?

Some of the popular RBI approved loan apps 2025 are Fibe, Navi, KreditBee, PaySense, MoneyView and Bajaj Finserv. They work with licensed banks and NBFCs, making them safe to use.