Verify the regulated lender

Find the Bank/NBFC name in the app. Check the same name on the offer screen. Match it again in the loan document.

Confirm direct disbursal and repayment

Disbursal must come to your bank account. It must come from the regulated lender. Repay only to the regulated lender’s official account.

Read the Key Fact Statement (KFS)

Open the KFS before you accept. Check rate, fees, EMI, tenure, and total repayment. Exit if any charge is missing or unclear.

Control consent and permissions

Give consent only for required data. Deny access to contacts, photos, and files. Stop if the app forces extra permissions.

Check cooling-off and support

Look for the cooling-off/look-up period. Save the grievance contact details. Report fast if charges or repayment details change.

Apply with clarity

Verify lender name, money flow, and KFS. Choose an EMI you can repay on time. This story is informational, not financial advice.