Safe Borrowing guides
Your rights as a borrower, Account Aggregator, the Key Fact Statement and avoiding loan fraud.
- Safe Borrowing
How to Check if a Loan App Is RBI Registered (RBI's DLA List)
RBI has no list of 'approved' loan apps, but since July 2025 it publishes a directory of apps that banks and NBFCs say they use. How to check an app in four steps, and the warning signs.
3 min read - Safe Borrowing
Can I Really Get a Loan in 5 Minutes? What 'Instant' Means
Ads promise loans in 5 minutes. What genuine lenders can do that fast, what always takes longer, and how to spot an 'instant loan' that is really a scam.
2 min read - Safe Borrowing
How to Spot and Avoid Loan Fraud and Fake Loan Apps
Advance-fee scams, fake loan apps and impersonation calls — the warning signs, what genuine lenders never ask for, and where to report fraud in India.
3 min read - Safe Borrowing
Key Fact Statement (KFS): What Every Borrower Should Check
The RBI requires a Key Fact Statement for retail and MSME loans. Learn what the KFS shows, how to read the APR and which charges to question before you sign.
3 min read - Safe Borrowing
NBFC vs Bank: What's the Difference When You Borrow?
Banks and NBFCs are both regulated by the RBI, but they work differently. How they compare on loans, speed, eligibility and your protections as a borrower.
2 min read - Safe Borrowing
RBI Digital Lending Rules: Your Rights When You Borrow Online
What the RBI's Digital Lending Directions, 2025 mean for you: who your lender is, where the money goes, data privacy, KFS, cooling-off and complaints.
3 min read - Safe Borrowing
What Is Account Aggregator and How Does It Help Your Loan Application?
India's Account Aggregator framework lets you share bank statements digitally, with consent. How it works, whether it's safe and why it speeds up loans.
3 min read
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