25+ Best RBI Registered Loan App List – हाथोहाथ लोन मिलेगा

Dosto paise ki problem aaj ke time par sabhi ko hoti hain. Apko to pata hi hoga ki banks se paise lena kitna mushkil ho jata hai jab apka koi loan history nhi hoti hai ya fir income kam hoti hai. Kayi bar to Govt. Schemes mai bhi loan milna easy nhi hota. Es condition mai apko agar paise ki jarurat hoti hai to koi bhi solution dikhayi nhi deta.

Lekin dosto apko tention lene ki koi jarurat nhi hai because ap Instant loan app se paise udhaar le sakte hai aur un paiso ko time par repay karke apna credit score bhi achcha kar sakte hai. Lekin apko es bat ka dhyan rakhna chaiye ki ap sirf RBI approved App se hi loan ke liye apply karein.

Ab apke dimag mai ye question aa sakta hai ki bhai hame kaise pata chalega ki konsi app RBI mai registered hai aur konsi nhi. Eski ki bhi tention karne ki jarurat nhi hain. Mai apke sath RBI Registered Loan app list share karunga jisse apko pata lag jayega ki konsi app genuine hai aur konsi nhi hain.

Read more: HDFC Bank Se Home Loan Kaise Le 2021? [home loan Apply Online]

Benefits of RBI Registered Loan App list:-

  • Dosto RBI se registered app ka use karne apko kafi sare benefits milte hai. To chaliye un benefits ke bare main jante hai-
  • RBI ek govt body hai jo india main banking system ko regulate karti hai. App ke RBI mai registered hone se trust badhta hain.
  • RBI ke under mai aane ke karan apka data secure rahta hain.
  • Interest kam pay karna padta hain.
  • Apko 5 lac take ke loan ghar baithe mil jate hain.
  • Loan apply karne ka sara process online hota hain.
  • Loan repay karne ke liye enough time mil jata hain.
  • Apps par RBI kin azar rahti hain.
  • En apps par koi security/gurantor ki jarurat nhi hoti.
  • Bahut kam documents ke sath app loan le sakte ho.
  • Kuch apps par to 5 min mai loan apke bank account mai aa jata hain.
  • Kuch Credit link loan app apko bina kisi interest ke ek limited time ke liye loan bhi dete hain.

RBI Registered Loan App List क्या है | What Is RBI Registered Loan App List

Jaisa ki ap log jante hai ki India mai agar koi company banking services provide karwana chahti hai to usey sabse phle RBI se license lena padta hain. General banks ke alawa bhi kuch aise companies hoti hai jo logo ko loan deti hai aur us par interest charge karti hain. Aise companies ko hum NBFC(Non Banking Financial Company) kahtey hain.

Ek NBFC ko run karne ke liye RBI se license lena padta hain aur RBI ki guidelines ko follow karte hue ki kam karna padta hai. Agar koi NBFC RBI ki guidelines ko follow karte hue nhi payi jati hai to uske against mai action liya jata hai aur kayi cases mai us NBFC ka license bhi wapas le liya jata hain.

Aj kal sab kuch digital ho chala hai. Ye companies bhi pahle offline hi loan diya karti thi lekin ye companies instant loan app se bhi loan provide karwati hai. Esse India ke kisi bhi corner mai baitha hua banda loan ke liye online apply kar sakta hai aur kahi jane ki bhi jarurat nhi padti hain.

RBI Registered Loan App List 

Yahan par hum apke sath RBI ki taraf se registered 25 Loan App List Share kar rahe hai. En apps se aap online hi loan ke liye apply kar sakte hain.

  1. NAVI
  2. Kreditbee
  3. Dhani
  4. NIRA 
  5. Lazypay
  6. Paytm Personal Loan
  7. Paytm Postpaid
  8. Zest Money 
  9. Simply Cash 
  10. Kreditzy
  11. Paysense
  12. Freopay 
  13. Stashfin 
  14. Cashbean 
  15. MI Credit 
  16. Smartcoin
  17. True Caller 
  18. Branch 
  19. Slice 
  20. True Balance 
  21. Avail Finance
  22. Krazybee 
  23. Mobikwik 
  24. Bharatpe
  25. Simpl Pay Later

RBI Registered app Se Loan Kaise Le (Loan Eligibility)?

Dosto mai apko bata dena RBI registered app se loan lene ke liye apka-

  • Indian Citizen hoan jarur hain, kuch app NRI ko bhi loan deti hain.
  • Credit history thik honi chaiye.
  • Apki age 21yrs se 61 ke bich honi chaiye.
  • Apke pas koi ek income source hona chaiye.
  • Apke pas ek smartphone aur es mai internet hona jaruri hain.
  • Apka bank mai account hona jaruri hain.
  • Apka mobile number aadhar se link hona chaiye.
  • Check kar le ki apke city mai loan app service de rahi hai yan ahi.

Read more: Bank of Baroda Home Loan Kaise Le 2021? : Interest Rate, Tenure, Eligibility

RBI Registered Loan App के लिए Documents

  • Photo ID Proof – Like Pancard, etc.
  • Address Proof – Aadhar Card, Voter ID, etc.
  • Selfie to upload on Loan app.
  • Income Proof- Bank statement or Salary Slip

RBI Registered Loan App Interest

  • En apps pe apko 36% tak interest pay karna pad sakta hain.
  • En apps par 2-3% processing fee li jati hain.
  • Late payment par bhi fee dena padta hain.
  • Kuch apps Loan Assessment fee bhi charge karti hain.
  • Sabhi charges and fee par 18% GST pay karna padta hain.

Read more: Axis Bank Se Business Loan Kaise Le | Axis Bank Se Loan Kaise Liya Jata Hai

RBI Registered Loan App से Loan कैसे ले | How To Take A Loan From  RBI Registered Loan App

Dosto en mai kisi bhi loan app se loan lene ke liye apko ek standard procedure ko follow karna padega jo ki niche diya gaya hain-

  1. Sabse pahle apko kisi bhi loan app ko Google Playstore se download kar lena hain.
  2. Fir app par mobile number or Email id se Signup/Register kar lena hai.
  3. Eske bad apko KYC karni hogi aur Uske documents bhi upload karne honge.
  4. Thodi der mai apko pata chal jayega ki ap loan ke liye eligible hai ya nhi.
  5. Agar eligible hai to apko loan offer mil jayega.
  6. Eske bad agar ap loan lena chahte hai to loan agreement ko accept karke OTP ko app mai dalna hoga.
  7. Kuch app apse loan emi ke auto deduction ke liye NACH Approval mangti hai. Eske liye aap Internet banking ka use kar sakte hain. Koi other option hai to apko app par show karega.
  8. Apka loan approve hote hi apke bank account mai aa jayega or Credit line liya hai to wo apko apki loan app mai balance show karega. Es balance ko ap loan app ki help se use kar sakte hain.

Read more: Sbi Bank Se Business Loan Kaise Le: Apply Online

RBI Registered Loan App se Loan Lete time En bato ka Dhyan rakhein

  1. Koi bhi app agar apko loan repayment ke liye 7 or 14 days ka time deti hai to us app ko use na karein because itna time loan repay karne ke liye bahut kam hota hain aur apko penalty bharni pad sakti hai.
  2. Loan lete time hamesha dhyan rakhein ki apko kitne interest par loan milega, tenure kya hain, loan kitne ka milega, etc.
  3. App se related sari knowledge pahle le fir loan ke liye apply karein.
  4. App se related koi doubt hai to us app ke customer care par bat kar lein.
  5. Loan utne amount ka hi le jitna ap time par repay kar payein.
  6. Documents sahi se upload karein aur apni details sahi fill kare jisse apka loan application reject nhi hoga.

Read more: Paytm Business Loan Kaise le? | Paytm se Business Loan Kaise Lete Hain?

Conclusion:

Dosto humne dekha ki RBI Registered Loan App List ek trusted list hai jisse ki hum instant personal loan le sakte hain. En apps par loan to easily mil jata hain lekin apko ye bhi dhyan rakhan hoga ki loan amount par fee aur charges kafi jyada lagte hain. Eske sath hi apko interest bhi kafi high pay karna padta hain.

Yadi apko ye post pasand aayi hai to esey share jarur karein. Aise post aur padhne ke liye hamare blog Loanprocess ko visit karte rahiye. Thanks

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