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Introduction
2025 mein loan lena asaan ho gaya hai, lekin frauds bhi badh gaye hain. Isiliye loan lene se pehle yeh check karna zaroori hai ki app RBI Registered NBFC se linked ho. Aaj ke blog mein hum batayenge:
- Top 5 RBI-approved loan apps
- Unki loan limit, features & eligibility
- Bina salary slip wale options
- Kaise check karein RBI registration?
Top 5 RBI Registered Loan Apps 2025
1. PaySense (NBFC: Credit Saison India)
- Loan Limit: ₹5,000 – ₹5 Lakh
- Documents: PAN, Aadhaar, bank statement
- Tenure: 3 to 60 months
- Salary slip optional for ₹25,000 tak
- EMI calculator + zero hidden charges
2. Fibe (Earlier EarlySalary)
- Loan Limit: ₹8,000 – ₹5 Lakh
- Eligibility: Salaried / Self-employed
- Instant KYC with PAN and Aadhaar
- AI-based approval
- NBFC Partner: Trillion Loans Pvt Ltd
3. CASHe
- Loan Limit: ₹7,000 – ₹3 Lakh
- KYC: PAN, Aadhaar, selfie, bank statement
- Suitable for students and freelancers
- Registered NBFC: Bhanix Finance & Investment Ltd
- No hidden charges for many users
4. KreditBee
- Loan Range: ₹1,000 – ₹2 Lakh
- Offers for salaried and self-employed
- NBFC: Krazybee Services Pvt. Ltd
- EMI tenure up to 12 months
- Small loans without salary slip
5. MoneyView
- Loan Limit: ₹10,000 – ₹5 Lakh
- Registered NBFC: Whizdm Finance Pvt. Ltd
- Credit score-based custom offers
- PAN, Aadhaar and 3-month bank statement required
- Quick online approval and disbursal
Kaise Pata Karein Ki App RBI Registered Hai Ya Nahi?
- Visit: rbi.org.in
- Search: “List of Registered NBFCs”
- Cross-check app ka backend NBFC name
- Only download from Play Store or App Store
Comparison Table
| App Name | Loan Range | RBI Registered NBFC | Salary Slip Needed? |
| PaySense | ₹5k – ₹5L | Credit Saison | No (for small loans) |
| Fibe | ₹8k – ₹5L | Trillion Loans | No (freelancer ok) |
| CASHe | ₹7k – ₹3L | Bhanix Finance | No |
| KreditBee | ₹1k – ₹2L | Krazybee | No |
| MoneyView | ₹10k – ₹5L | Whizdm Finance | Yes (for bigger loans) |
Common Documents Required
- PAN Card
- Aadhaar Card
- Bank Statement (last 3–6 months)
- Selfie
- Salary Slip (optional in most cases)
Important Tips Before Applying
- Kabhi bhi processing fee pehle mat den
- Sirf trusted apps download karo
- User reviews aur RBI registration check karo
- Loan repayment time par karo to CIBIL score improve hota hai
FAQs – RBI Approved Loan Apps 2025
Q1. Kya yeh loan apps safe hain?
Haan, in sabhi apps ke backend mein RBI registered NBFCs hain jo legal aur safe hote hain.
Q2. Bina CIBIL ke loan mil sakta hai?
Haan, ₹1,000 – ₹50,000 tak ka starter loan bina CIBIL bhi possible hai, jaise KreditBee aur CASHe mein.
Q3. RBI registration kaise verify karein?
App ke NBFC ka naam RBI ki website se cross-check kar sakte hain.
Q4. EMI late hui to kya hoga?
CIBIL score gir sakta hai, aur penalty bhi lag sakti hai. Hamesha timely repayment karein.
Q5. Kya student apply kar sakta hai?
Haan, KreditBee aur CASHe jaise apps student-friendly options provide karte hain.