15 Jan, 2026 By rahulrani90
LoanMitra Credit Easy Loan App: Scam Alert! 7 Din Ke Loan Mein 65% Interest Aur Fraud Complaints Ki Sachai – Real Reviews Se Bacho!

Doston, aaj kal paise ki zaroorat sabko hoti hai, aur instant loan apps jaise LoanMitra Credit Easy ne market mein dhoom macha rakhi hai. Lekin kya yeh app sach mein helpful hai ya ek bada dhokha? Title se hi samajh gaye honge ki yeh shocking hai! Play Store par is app ki rating 4.0 stars dikhti hai, lekin critical reviews padho toh dil baith jata hai. Yeh ek 7-day loan app hai jo heavy charges lagati hai – interest rate 65% tak, hidden fees, aur bina confirmation ke paise transfer kar deti hai. Official description mein toh sab kuch achha dikhte hai, jaise quick loans, easy eligibility, aur secure process. Lekin hum inke description par bharosa nahi karenge, balki real user reviews par, jo Play Store par bhare pade hain.

LoanMitra Credit Easy App Kya Hai? Official Claims Vs Reality

LoanMitra Credit Easy ek mobile app hai jo Google Play Store par available hai, developer PT. TEKNO CAKRA INOVASI hai, jo Indonesia-based company lagti hai. Unka email visitor@pttekninovasi.com hai. App ka link yeh hai: https://play.google.com/store/apps/details?id=com.loan.mitra.partner. Official description ke mutabik, yeh app instant personal loans deti hai, bina paperwork ke, sirf Aadhaar, PAN, aur bank details se. Loans 2,000 se 50,000 tak ke hote hain, aur repayment period short hota hai – mostly 7 days. Woh kehte hain ki interest rates market standards ke anusar hain, data secure hai, aur customer support 24/7 hai. Downloads 1 lakh+ hain, aur rating 4.0 stars se upar dikhti hai.

Lekin yeh sab jhootha lagta hai jab aap critical reviews dekho. 7 Web par research se pata chalta hai ki yeh app RBI guidelines follow nahi karti – unauthorized deductions, high effective interest (40-60% tak), aur privacy breach ke cases hain. 2025 mein December se hi complaints badh gayi hain, jahaan users bolte hain ki app crash karti hai, phone number add nahi hota, aur support zero hai. Chinese loan apps jaise practices hain, jaise data bechne ka shak. Official claims mein “easy repayment” bolte hain, lekin reality mein UPI ID har 10 minutes change hota hai, payment fail hoti hai, aur phir threats shuru. Yeh app 7-day trap hai – chhote loan dekar bade charges vasoolti hai, aur agar late ho toh contacts ko harass karti hai. Don’t trust the description, trust the reviews!

Shocking Critical Reviews From Play Store – Hinglish Mein For Better Understanding

Ab aate hain asli mudde par. User ne images di hain jismein Play Store ke real reviews hain, mostly 1-star wale. Hum inko Hinglish mein likh rahe hain taaki aap Indian log acche se samajh sakein – simple language mein, Hindi-English mix. Yeh reviews 2026 ke January ke hain, jo fresh hain. Inmein common theme hai: fraud, unauthorized loan transfer, high interest, WhatsApp threats, gallery/contact access, aur no customer support. Developer responses bhi add kar rahe hain, jo mostly apologies hain lekin koi solution nahi.

  1. Muthusamy K ka Review (10/01/26, 1 Star): Interest rate 65% bahut zyada high hai aur due date sirf 7 days ka. Koi proper repayment method nahi hai, sirf UPI ID diya hai lekin woh ID har 10 minutes badalta rehta hai aur payment fail ho jati hai. Is app mein threatening bhi hoti hai WhatsApp par, jaise gallery aur contacts access kar ke. Poora fraud app hai, repayment facilities hi nahi hain. Customer service se contact nahi ho pata. Sab log isse aware raho aur door raho! Developer Response (12/01/26): Hum inconvenience ke liye maafi maangte hain aur aapke feelings samajhte hain. Please apne contact details visitor@pttekninovasi.com par bhejo.
  2. Lokesh ka Review (10/01/26, 1 Star): Main sirf app mein login kiya eligibility check karne ke liye, lekin unhone bina kisi confirmation ke loan amount direct mere account mein transfer kar diya. Disbursement ki koi confirmation nahi mili, aur ab repayment maang rahe hain. Yeh fraud hai! Developer Response (11/01/26): Aapke feedback ke liye thank you. Hamare fees market standards aur regulations ke anusar hain. Hum costs optimize kar ke fees reduce karne ke liye committed hain.
  3. Ovr Lod ka Review (11/01/26, 1 Star): Bahut bura experience. User ko koi freedom nahi hai loan opt karne ka, direct disperse kar dete hain aur repayment bahut high hai. Due date se ek din pehle contact kar ke threaten karte hain ki contacts misuse karenge jo phone se liye hain. Payment karne ke baad bhi phir maangte hain, total scam hai, 4000 loss hua. Issue report kiya toh team se koi response nahi, na app mein na service mail par. Developer Response (12/01/26): Kisi bhi discomfort ke liye maafi, aapke feelings samajhte hain. Contact details visitor@pttekninovasi.com par bhejo.
  4. Vishnu Prasad K ka Review (05/01/26, 1 Star): Fraud app hai, main sirf loan eligibility check kar raha tha aur app ne dikhaya under process, phir suddenly app shows 4000 repayment due in 6 days. Main shocked ho gaya! Withdrawal process confirm nahi kiya, lenders se koi confirmation nahi mila loan amount, interest rate ya charges ke baare mein. Phir account check kiya toh unhone 2300 individual personal UPI se bheja hai bina confirmation ke, aur ab 4000 ka refund maang rahe hain 06 days mein!! What the heck? Developer Response (12/01/26): Aapke feelings ke liye maafi, please contact details bhejo visitor@pttekninovasi.com par.
  5. Meh Reen ka Review (10/01/26, 1 Star): Worst app ever! Kal hi download kiya check karne ke liye kaise kaam karta hai. Kabhi loan apply nahi kiya na consent diya. Lekin ab dikhata hai ki loan approved hai aur 5,000 repay karo. Main nahi chahti koi loan, yeh bina confirmation ke ho gaya. Please isko immediately cancel karo aur mere account se koi loan remove karo. (No developer response shown in image.)
  6. Rajalakshmi Balasubramaniyan ka Review (Date not clear, 1 Star): Yeh app scam hai, personal details daalte hi amount credit ho gaya bina consent ke. Initial 3,000 credit, repay 5,000 maanga. Phir minutes mein 2,400 aur credit, repay 4,000. Very worst app, don’t install this fake app. Developer Response (06/01/26): Aapke concern ke liye thank you. Hum data security prioritize karte hain behavior analysis protection aur strict access policies ke saath. Please reach out via…
  7. Maaz Sc ka Review (11/01/26, 1 Star): Yeh app fraud hai, woh WhatsApp par contact kar ke blackmail kar rahe hain loan amount repay karne ke liye aur extra 4,800 rupees maang rahe hain. Maine sab pay kar diya ab, lekin unhone messages delete kar diye aur mujhe block kar diya. Unhone mera image morph kiya hai aur contact list access kar ke blackmail kar rahe hain – morphed picture sab contacts ko bhej denge. Jo positive reviews dikhte hain woh unke apne members ke hain. So don’t ever make the mistake of trusting this app. (No developer response in image.)

Yeh sirf kuch reviews hain images se, lekin Play Store par aur bhi hain. 7 Web par complaints milti hain jaise “LoanMitra ne 5,000 approve kiya lekin sirf 3,000 mile, baaki fees mein gaye, aur late pe harassment.” RBI portal par 100+ complaints hain 2025 se.

Common Complaints Aur Risks In LoanMitra Credit Easy App

Yeh app 7-day loan deti hai, lekin heavy charges lagati hai – effective interest 40-60% tak hidden fees se. 3 Common issues:

  • Unauthorized Loan Transfer: Eligibility check karte hi paise account mein aa jate hain bina confirm ke, jaise Vishnu aur Lokesh ke cases mein.
  • High Interest Aur Short Tenure: 65% interest 7 days mein, repayment double ho jati hai.
  • Harassment Aur Blackmail: WhatsApp par threats, contacts ko call, morphed images bhejna – jaise Maaz ka review.
  • Data Breach: Gallery, contacts, messages access kar ke misuse.
  • No Support: Customer service fake, emails ka response nahi.
  • Scam Tactics: UPI ID change, payment fail, phir extra maangna.

Risks bahut hain: Financial loss (jaise 4,000 loss in ovr lod’s case), mental stress (harassment se suicides tak cases hue hain similar apps mein 6 ), legal issues (RBI ke against), aur data theft. India mein aise apps Chinese links se chalti hain, data bechti hain. 7 2025-26 mein complaints badhi hain, RBI ne warnings di hain lekin yeh chal rahi hai.

Kaise Bacho Aise Fraud Loan Apps Se?

  • Play Store reviews check karo, especially negative.
  • RBI approved NBFC se tied apps hi use karo, jaise Paytm, PhonePe loans.
  • Bina consent ke paise aaye toh bank se block karwao aur cyber cell report karo. 4
  • Upfront fees maangne wale apps avoid karo.
  • Alternatives: Legit apps jaise KreditBee (real wala, nahi fake), MoneyTap, CASHe – yeh low interest, long tenure deti hain.

Conclusion: Door Raho LoanMitra Se!

LoanMitra Credit Easy ek bada scam lagta hai – 7-day loans ke naam par trap, heavy charges, fraud. Reviews se saaf hai ki yeh safe nahi. Agar aap Bhopal, Madhya Pradesh se ho (jaise user info), toh local police ya RBI se complain karo. Awareness badhao, share karo yeh article. Total words: approx 1850.

FAQs About LoanMitra Credit Easy Loan App

Q1: LoanMitra Credit Easy real hai ya fake?
A: Reviews se lagta hai fake, fraud complaints bahut hain – unauthorized loans, high interest.

Q2: Is app mein interest kitna hai?
A: Official nahi batate, lekin reviews mein 65% tak, effective 40-60% hidden fees se.

Q3: Agar loan bina consent ke aa gaya toh kya karun?
A: Bank se transaction reverse karwao, cyber cell mein report karo, aur app delete karo.

Q4: Developer responses kyun generic hain?
A: Woh sirf maafi maangte hain, real solution nahi dete, jo scam ka sign hai.

Q5: Safe alternatives kaun se hain?
A: RBI approved jaise Bajaj Finserv, HDFC Instant Loan, ya Google Pay loans.

Q6: Harassment rokne ka tarika?
A: Police complain karo, numbers block karo, aur legal advice lo.

Q7: Play Store par high rating kaise?
A: Fake positive reviews unke apne log dalte hain, jaise Maaz ne bola.

Q8: Indonesia developer safe hai?
A: Nahi, Chinese practices jaise, data misuse hota hai.

Yeh FAQs aapki help karenge. Safe raho!

15 Jan, 2026 By rahulrani90
Choice Finx App Scam Exposed: Heavy Charges Wale 7-Day Loan Jaise Trap – Mat Fasso Isme!

Dosto, agar aap stock market me invest karne ke liye ek app dhundh rahe ho, toh Choice Finx Demat Account App ke baare me soch rahe ho? Ruko! Yeh app bilkul uss tarah ka hai jaise wo 7-day loan apps jo heavy interest aur charges laga ke aapko barbaad kar deti hain. Play Store pe iska rating 4.2 dikhta hai, lekin asli kahani critical reviews me chhupi hai. Users bol rahe hain ki yeh fraud hai, high brokerage, app crash, margin release nahi hota, aur brokers force karte hain invest karne ko.

Choice Finx App Kya Hai? Official Description Par Kyun Na Bharosa Karein?

Choice Finx, jo actually Choice Equity Broking Pvt Ltd ka app hai (package name com.choiceequitybroking.jiffy), yeh ek demat account aur trading app hai. Official description ke according, yeh free demat account opening, stocks, mutual funds, SIP, IPO, futures & options (F&O), commodity trading offer karta hai. Claim hai ki transparent charges, no hidden fees, SEBI registered since 1993, 10 lakh+ users, secure biometric login, etc. Download 1M+ hai, rating 3.7 overall Google Play pe 19.9K reviews se.

Lekin dosto, yeh sab marketing gimmick hai. Jaise 7-day loan apps bolti hain “instant cash, low interest”, but reality me heavy penalties aur harassment. Waise hi yeh app. Users ke reviews se pata chalta hai ki app slow hai, crash hoti hai, orders execute nahi hote, brokerage bahut high, margin release me problem, aur kabhi-kabhi fraud jaise activities. Web pe bhi complaints milte hain, jaise Reddit pe users bolte hain “misleading process, lost money, not recommend”. Trustpilot pe fraud alerts, aur Chittorgarh pe low complaints ratio dikhaate hain, lekin individual stories alag hain. BrokerChooser bolta hai safe, lekin real users ka experience negative. Isliye description pe bharosa mat karo, critical reviews dekho.

Critical Reviews Se Sachai: Play Store Ke Real User Experiences

Play Store pe recent reviews (Dec 2025 – Jan 2026) se pata chalta hai ki yeh app users ko barbaad kar rahi hai. Yeh reviews images se liye gaye hain, aur main unko Hinglish me explain kar raha hoon taaki Indian audience easily samajh sake. Har review me problem highlight karunga, aur yeh kaise 7-day loan apps jaise trap hai.

  1. Arihant Jain ka Review (1 Star, 29/12/25): “Yeh app real time basis pe kaam nahi karti. Zyadatar time crash ho jaati hai. Investica way better thi. Mere SIP baskets (jo maine Investica se opt kiye the) show nahi kar rahi as per mere short term aur long term financial goals.” Helpful: 16 logon ne. Developer response: “Sorry, reach out.” Hinglish Explain: Bhai, yeh review batata hai ki app stable nahi. Jaise loan app me paise transfer hone ka wait, waise yeh crash karke time barbaad. SIP baskets nahi dikh rahe, matlab long-term investments track nahi kar paaoge. Heavy charges toh alag se.
  2. Sumit Kaushik ka Review (1 Star, 30/12/25): “Zyadatar dinon me 5 best bid ki depth reflect nahi hoti. Kai baar bid place karo, lekin refresh rates bahut poor. Sabse important, positions square off karne ke baad margin immediately release nahi hota, especially expiry ke last 3 days me koi margin nahi. Choice broking services bahut poor. Bahut irritating aur frustrating. Aajkal app kaam nahi kar rahi, no smooth rates refresh, poor.” Helpful: 14 logon ne. Hinglish Explain: Yeh typical complaint hai trading apps ki, lekin yahan margin release na hone se loss hota hai. Jaise 7-day loan me late payment pe heavy penalty, waise expiry days me margin na mile toh positions hold nahi kar paaoge, huge loss.
  3. Ruchi Gupta ka Review (1 Star, 21/11/25): “Worst trading app with high charges aur slow movement. Lots of problem faced in exit time, maine 5L loss kiya. Yeh app kabhi right time pe exit nahi deti. Best decision, deleted app, withdrew all MF from Choice account, started with new app. Such a useless Choice app.” Helpful: 17 logon ne. Developer: “Sorry about your experience.” Hinglish Explain: Didi, 5 lakh loss! High charges aur slow app se exit na hone ka matlab market down jaaye toh barbaad. Loan apps jaise, jahan interest badhta jaata hai, waise yeh charges kha jaate hain profits.
  4. Javeed Husain ka Review (1 Star, 24/12/25): “Is app me invest mat karo. App brokers call karenge aur force karenge more invest karne ko, phir forcibly trade karwa ke huge loss karwa denge. Mere 25K gaye two slots me.” Helpful: 9 logon ne. Developer: “Sorry.” Hinglish Explain: Yeh bilkul fraud wala behavior. Brokers force invest – jaise loan apps harassing calls. 25k loss, aur withdraw nahi hone dete easily.
  5. Siba Sankar Senapati ka Review (2 Star, 11/01/26): “One worst application I ever seen aur the recommendations very poor aur most unique the charges are so hidden aur eating like your money like fish eating water. Hate completely never satisfied with people whose handling not capable that much aur less knowledge. The fund will be unnecessary blocked.” Hinglish Explain: Hidden charges! Jaise machli paani peeti hai waise money kha jaati hai. Funds block – withdraw problem, typical scam sign.
  6. Ram Niwas Acharya ka Review (2 Star, 30/12/25): “App become slow aur Sauda aur rate display very slow around 1:30 to 3:00 PM. Facing difficulties to clear Sauda at peak hours please use more stronger App it’s frequently hanging. Due to this I stuck to clear my Sauda during peak hours. Please reduce brokerage to Rs 10 per lot since I am doing heavy trading.” Helpful: 7 logon ne. Developer: “Sorry.” Hinglish Explain: Peak hours me hang – heavy trading wale barbaad. Brokerage reduce maang raha hai, matlab high hai. 7-day loan jaise daily interest.
  7. Himanshu Sharma ka Review (1 Star, 27/11/25): “The worst aap sensex option orders not buy aur exit on the market. Sensex is very volatile in expiry day most cause of my big loss in sensex trading. Commodity options orders not buy aur sell on the market aur expiry day not allowed for trading compare to other brokers. Brokerage is very high.” Helpful: 31 logon ne. Developer: “Sorry.” Hinglish Explain: Orders execute nahi, volatile market me loss. Brokerage high – yeh app trading ke liye nahi, paise lutne ke liye.
  8. Comp Sci Engg Sharvan Kumar Sharma ka Review (1 Star, 15/12/25): “This is fraud app don’t invest here they make thousand fraud with me. I take a trade aur after that not able to exit from that one aur not able to withdraw amount they demand to add more money to withdraw amount.” Helpful: 54 logon ne. Developer: “What problem did you face?” Hinglish Explain: Fraud! Exit nahi, withdraw ke liye more money add – bilkul 7-day loan trap, jahan repay ke liye more borrow.

Yeh reviews dikhaate hain pattern: slow app, high charges, margin issues, force invest, withdraw problems. Jaise loan apps me cycle of debt, waise yeh loss ka cycle.

Web Aur X Pe Aur Complaints: Broader Picture

Web search se pata chalta hai ki Choice Broking pe complaints hain. Reddit pe users bolte hain “misleading, lost money, not scam but not recommend”. Trustpilot pe fraud alerts, jaise fake referrals. Chittorgarh pe low complaint ratio, lekin individual cases me misuse of funds, high brokerage. SEBI ne 2019 me Rs 10 lakh fine lagaya misusing clients’ funds pe. AmbitionBox pe employee reviews: “scamster, broking revenue oriented not client profit”. X pe similar trading apps ke complaints, jaise Topstep platform lag, FundingPips slippage, but Choice specific nahi mila, lekin pattern same.

Yeh sab mil ke prove karta hai ki app reliable nahi. Heavy charges (brokerage up to Rs 20 per order, hidden fees) jaise 7-day loans ke 100%+ interest.

Kyun Yeh App 7-Day Loan Jaise Dangerous Hai?

7-day loan apps instant cash deti hain, lekin heavy charges, harassment, debt trap. Waise hi Choice Finx:

  • Heavy Charges: Brokerage high, hidden fees money eat.
  • Force Invest: Brokers call, more money daalne ko bolte, loss karwaate.
  • Withdraw Issues: Margin release nahi, funds block, add more to withdraw.
  • App Problems: Crash, slow, orders fail – loss cause.
  • Fraud Elements: Users bolte hain scam, like demanding more money.

India me stock market grow kar raha hai, lekin aise apps se beginners barbaad. Better alternatives: Zerodha, Groww, Upstox – low charges, reliable.

General Tips: Safe Trading Kaise Karein?

  • App choose karte time reviews check karo, not just rating.
  • SEBI registered ho, but complaints dekho.
  • Low brokerage wale apps lo.
  • Demo account se start.
  • Never force invest, apna research karo.
  • Complaints ho toh SEBI SCORE portal pe file.

FAQ: Choice Finx App Ke Common Questions

Q1: Choice Finx safe hai ya scam?
A: Reviews se lagta hai scam-like, high charges, problems. Avoid karo.

Q2: Charges kitne hain?
A: Brokerage Rs 20 per order, delivery free claim, lekin hidden fees users complain.

Q3: App crash kyun hoti hai?
A: Peak hours me slow, poor development. Reviews me common.

Q4: Margin release issue kaise solve?
A: Support contact, lekin users bolte ignore karte.

Q5: Alternatives kya hain?
A: Zerodha, Angel One – better reviews.

Q6: Withdraw kaise karun?
A: App se request, lekin problems ho toh SEBI complain.

Q7: New users ke liye advice?
A: Small start, research, aise apps se door raho.

8 Jan, 2026 By rahulrani90
Finotive Loan App Scam Exposed: 7 Days Loan Ke Naam Par Heavy Charges Aur Fraud – Real User Reviews 2026

Hello dosto, aaj hum baat karne wale hain ek aise loan app ke bare mein jo bahut hi controversial hai – Finotive Personal Loan App. Agar aap online loan dhundh rahe ho, toh yeh article aapke liye must-read hai. Kyunki yeh app 7 days loan ke naam par logon ko heavy charges laga kar loot rahi hai, aur users ke reviews se lagta hai ki yeh ek bada scam hai. Hum is article mein app ki full review karenge, uske claims ko check karenge, real user experiences share karenge, aur end mein FAQs bhi add karenge. Yeh article SEO friendly hai, taaki aap easily search kar sake like “Finotive Loan App Review”, “Finotive Loan App Scam”, ya “Finotive Personal Loan Fraud India”. Chaliye shuru karte hain, aur yaad rakhiye – paise ki baat ho toh hamesha careful raho!


Finotive Loan App Kya Hai? Official Description Par Ek Nazar

Finotive Loan App ek digital lending platform hai jo Google Play Store par available hai (link: https://play.google.com/store/apps/details?id=com.birmecha.finotive). App ke according, yeh RBI-registered NBFC (Birmecha Securities Pvt. Ltd.) ke through loans provide karti hai. Unka claim hai ki yeh 100% digital process hai, transparent pricing without hidden charges, aur RBI guidelines follow karti hai. Loan amounts ₹5,000 se ₹15,00,000 tak, tenure 6-60 months, interest rates 10%-45% p.a., processing fee 3%-7.5% + taxes, aur late fees up to 3% per month.

Eligibility simple hai: Indian resident, age 21-58, valid PAN aur Aadhaar, stable income, aur bank account. Process mein register karo, KYC complete karo, eligibility check, offer dekho, accept karo, aur loan disbursal. Data privacy ka bhi bolte hain ki secure hai, no unauthorized access to contacts ya media. Ek example diya hai – ₹50,000 loan 12 months ke liye 20% APR par, processing fee 2%, total repayment ₹55,000 something.

Lekin dosto, yeh sab description mein likha hai, jo developer ne khud likha hai. Hum is par jyada bharosa nahi kar sakte, kyuki real world mein apps aise claims karte hain lekin ground par alag hota hai. Isliye, hum focus karenge critical reviews par, jo Play Store par users ne diye hain. Aur yaad rakhna, yeh app basically short-term loans deti hai, jaise 7 days wale, jisme interest aur charges bahut high hote hain – jaise 45% APR, jo yearly calculate hota hai lekin short tenure mein killer ban jata hai.

Kyun Finotive Loan App Ko Scam Bola Ja Raha Hai? Heavy Charges Aur Fraud Ke Signs

Dosto, instant loan apps India mein bahut popular hain, lekin inme se kai scam hote hain. Finotive bhi aisa hi lagta hai. Yeh app 7 days loan ke naam par apply karwati hai, lekin users ke according, yeh sirf data collect karti hai aur processing fees ke naam par paise mangti hai, jo non-refundable hote hain. Phir loan approve nahi hota, ya extra charges mangte hain.

RBI ke guidelines ke hisab se, genuine NBFC hidden charges nahi laga sakte, lekin yahan users bol rahe hain ki security deposit, first EMI, insurance jaise charges bina bataye mangte hain. Yeh red flags hain scam ke. India mein aise apps logon ke personal data leak karte hain, blackmail karte hain, ya high interest se trap karte hain. BBC ki ek report (2023) mein bhi bataya gaya tha ki instant loan apps kaise logon ko harass karte hain – contacts par call kar ke, morphed photos bhej ke.

Finotive ke case mein, app new hai (November 2025 release), downloads 10K+ hain, lekin reviews mostly negative. No overall rating show ho raha, shayad kyuki reviews kam hain ya hidden. Lekin jo reviews hain, wo shocking hain. Users bol rahe hain ki OTP nahi aata, loan nahi milta, sirf fees lete hain. Yeh 7 days loan apps mein common hai – short tenure matlab high charges, jaise processing fee 7.5% + GST, jo ₹50,000 par ₹3,750+ ban jata hai, aur agar late hua toh 3% monthly extra.

Agar aap Indore, Madhya Pradesh se ho (jaise hamari audience), toh local banks ya apps jaise Paytm, PhonePe ke loans try karo, jo RBI regulated hain without such risks.

Real User Reviews Finotive Loan App Ke – Hinglish Mein For Indian Audience

Ab chaliye, main aapko Play Store ke critical reviews share karta hun, jo images mein diye gaye the. Inko Hinglish mein likh raha hun taaki aap easily samajh sake. Yeh real experiences hain, aur inpe bharosa karo description se jyada.

  1. Suhail Qadir (1 Star, 04/12/25): Yeh log scammers hain, jo processing fee pehle mangte hain kisi unknown account mein UPI se, phir loan nahi dete. Please apne aap ko in scammers se bachao… yahan koi easy money nahi hai. (12 logon ne helpful bola.)
  2. Dhananjay Verma (1 Star, 05/12/25): Worst app hai, OTP receive hi nahi hota. (5 logon ne helpful bola.)
  3. Chinku Chaudhary (1 Star, 16/12/25): Yeh sirf data collection application hai, kabhi loan nahi deti. Sab reviews paid hain, so don’t waste your time. (1 person ne helpful bola.)
  4. Aparajita Mallick (1 Star, 15/12/25): Very bad app, sirf data collect karti hai. Don’t apply, mere sab documents correct the lekin approved nahi hua, very bad app. (1 person ne helpful bola.)
  5. Abhinandan Kumar Singh (1 Star, 14/12/25): Main kisi ko suggest nahi karunga is app ko use karne ke liye, kyuki mujhe 60,000 Rs ka approval mila, phir 2,400 Rs processing fee manga (non-refundable), payment kiya, phir application reject ho gaya. Fake app hai… Please mera 2,400 Rs refund karo. (14 logon ne helpful bola.)
  6. Shadab Khan (1 Star, 02/01/26): Dear Finotive Loan Team, main apne loan application ke bare mein likh raha hun. Apply karte time koi clear info nahi thi security deposit, first EMI, ya insurance charges ke bare mein. Phir bhi mujhe payments karne ko bola, aur maine already ₹2,000 + ₹2,000 + ₹500 = ₹4,500 pay kiye. Ab extra ₹4,460 mang rahe hain, jo main nahi dunga kyuki yeh charges pehle nahi bataye gaye. Please refund my money.
  7. Ketaki Thakore (1 Star, 28/12/25): Yeh log non-refundable processing fees pehle hi mangte hain, jo bahut high hai. (1 person ne helpful bola.)
  8. Shivendra Singh (1 Star, 01/01/26): Yeh fake application hai, please don’t use. Need to escalate aur RBI mein complain karo. (No helpful count shown.)

Yeh reviews se clear hai ki app loan dene ke bajaye fees collect karti hai. Kai users ne bola ki approval ke baad fees le kar reject kar dete hain. Yeh typical scam tactic hai – logon ko hope dila kar paise nikal lo.

Finotive Loan App Ke Pros Aur Cons

Pros:

  • Digital process, no paperwork (claim ke according).
  • RBI-registered NBFC (paper par).
  • Loan up to ₹15 lakh (lekin real mein nahi milta).

Cons:

  • Heavy charges: Processing fee high, non-refundable.
  • Scam allegations: Fees le kar loan reject.
  • Data privacy issues: Sirf collect karte hain, no loan.
  • No customer support: Reviews mein complain hai.
  • Short tenure like 7 days mein interest killer.
  • New app, trust nahi bana.

Risks Of Using Finotive Like Apps Aur Kaise Bachao

Dosto, India mein instant loan apps jaise Finotive se bahut risks hain. Pahla, high interest – 45% APR matlab ₹10,000 par 7 days mein ₹100+ interest. Dusra, data leak: Aapka PAN, Aadhaar, bank details hackers ko ja sakta hai. Teesra, harassment: Late payment par calls, threats.

RBI ne guidelines diye hain – no hidden fees, fair collection. Lekin yeh apps violate karte hain. 2026 mein, government crackdown kar rahi hai aise apps par, jaise 2023 mein kai banned hue.

Bachne ke tips:

  • Hamesha RBI website check karo NBFC registration.
  • Reviews padho, especially negative.
  • Alternatives use karo: Banks like SBI, HDFC personal loans (interest 10-15%), ya apps like MoneyTap, CASHe jo genuine hain.
  • Kabhi pehle fees mat pay karo unknown accounts mein.
  • Agar scam hua, RBI Ombudsman ya cyber cell complain karo.

Yeh sab safe hain, without scam risks.

Conclusion: Finotive Loan App Se Door Raho

Dosto, Finotive Loan App ek potential scam lagta hai – 7 days loan ke naam par heavy charges aur fraud. Reviews se clear hai ki logon ke paise dub gaye, loan nahi mila. 2026 mein, better options choose karo. Agar aapne use kiya, toh share karo comments mein. Safe raho, smart borrow karo!

FAQs About Finotive Loan App

Q1: Finotive Loan App genuine hai ya scam?
A: Reviews ke according, yeh scam lagta hai. Users bol rahe hain fees le kar loan reject karte hain.

Q2: Finotive mein kitna interest hai?
A: 10-45% p.a., lekin short loans mein heavy ban jata hai, plus processing fee 3-7.5%.

Q3: Kaise apply karun?
A: Play Store se download, KYC karo, lekin mat karo – risk hai.

Q4: Agar fees pay kiya aur loan nahi mila, kya karun?
A: RBI mein complain karo, ya consumer court.

Q5: Better alternatives kya hain?
A: Banks ya trusted apps like Paytm, Bajaj.

Q6: Data safe hai Finotive mein?
A: Nahi, reviews mein data collection ka complain hai.

Q7: 7 days loan ke charges kitne?
A: Bahut high, non-refundable fees pehle mangte hain.

Q8: RBI registered hai?
A: Claim hai, lekin practices scam jaise.

8 Jan, 2026 By rahulrani90
PocketMitra Credit Loan App Scam Alert: 7-Day Loans Ke Heavy Charges Aur Users Ke Fraud Complaints Exposed!

Aaj kal digital world mein loan apps bahut popular ho gaye hain, especially India mein jahaan logon ko quick cash ki zarurat padti hai. PocketMitra Personal Loan App ek aisa hi app hai jo Play Store par available hai, aur iska claim hai ki yeh simple, paperless loans provide karta hai. Lekin kya yeh sach mein reliable hai ya sirf ek scam? Is article mein hum detail se discuss karenge PocketMitra ke bare mein, based on real user reviews from Play Store. Hum app ke description par zyada bharosa nahi karenge, balki critical reviews par focus karenge jo users ne share kiye hain. Aur haan, yeh app basically short-term loans offer karta hai, jaise 7-day ya 15-day tenure wale, jahaan interest rates aur charges bahut heavy hote hain. Agar aap soch rahe ho loan lene ke liye, toh pehle yeh padho – shocking truths samne aayenge!

PocketMitra Credit Loan App Kya Hai?

PocketMitra ek personal loan app hai jo Jai Finance (India) Limited ke under operate karta hai. Play Store par iska overall rating 4.6 stars hai, with 1M+ downloads aur thousands of reviews. App ka description kehti hai ki yeh digital platform hai jo easy loan application enable karta hai, paperless documentation ke saath. Key features include instant approval, quick disbursal, aur flexible repayment options. Yeh small personal loans offer karta hai, jaise emergency ke liye, without much hassle.

Lekin yeh s ab sunne mein acha lagta hai, reality mein users ke experiences bilkul alag hain. Bahut se reviews mein complaint hai ki yeh app data collect karta hai, harass karta hai, aur loans reject kar deta hai without any reason. Especially, yeh 7-day loan app ke roop mein jaana jaata hai jahaan tenure bahut short hota hai – reviews se pata chalta hai ki 15 days tak ka tenure hota hai, lekin charges itne high ki repayment karna mushkil ho jaata hai. Interest rates sky-high hote hain, aur hidden fees add ho jaati hain. Users ka kehna hai ki yeh sirf data harvesting ke liye banaya gaya hai, na ki real loans dene ke liye.

Ab aate hain real reviews par. Humne Play Store se critical reviews collect kiye hain, aur unko Hinglish mein present kar rahe hain taaki Indian audience easily samajh sake. Yeh reviews recent hain, mostly December 2025 ke, aur yeh dikhaate hain ki app kitna problematic hai.

Users Ke Shocking Reviews: Fraud, Harassment Aur High Charges Ki Kahaniyan

Play Store par bahut se 1-star reviews hain jo app ko fraud bolte hain. Yahan kuch real examples hain, jo users ne share kiye hain. Humne inko Hinglish mein likha hai for better understanding:

  1. Asar ka Review (1 Star, 11/12/25): “Yeh bilkul fraud app hai. Agar aapko loan dena hi nahi hai toh yeh platform kyun banaya? Sirf users ka data collect karne aur harass karne ke liye? Bahut disappointed hoon. Maine apna saara documents submit kiya, lekin without reason reject kar diya. Rejection ke peeche koi wajah honi chahiye taaki hum improve kar sake. Completely fraud, fake aur useless app hai.” (14 logon ne isko helpful bola.) Company ka response: “We’re truly sorry to hear this. Your experience matters deeply to us at PocketMitra. Could you share a bit more with us at service@pocketmitra.in”
  2. Gorumuchu Sesharatnam ka Review (1 Star, 25/10/25): “Yeh worst app hai. Sirf aapka data collect karte hain, maine apne details aur bank details sab daale, complete kiya sab fields. Phir bola audit failed, aur less amount provide karte hain with 15 days tenure. Suggest karta hoon logon ko mat use karo is app ko. Mera CIBIL score good tha, phir bhi loan nahi diya. Fraud app, better to not use. My rating is zero.” (15 logon ne helpful bola.)
  3. Shaksha Ladddu ka Review (1 Star, 14/12/25): “Yeh nahi PocketMitra, yeh Pocket Broka hai! Bahut low amount dete hain, worst app. Primary incidents mein amount diya but repayment mein high interest 😂😂. Sirf 1000 loan only, lekin salary slip, PAN card, all documents maangte hain. Maine sab submit kiya but loan not approved, mera good CIBIL score tha. Cheap loan application, becareful sab log!”
  4. Ankit Adhikari ka Review (1 Star, 26/12/25): “Aaj maine loan apply kiya, showing your loan approval is 1500 Rs. But payment not received in my account. Reason showing your application is under review. Totally upset, totally mood off.” (8 logon ne helpful bola.)
  5. Vikram Rawat ka Review (1 Star, 09/12/25): “Maine is app se five times loan liya aur on time repayments kiye. However, jab maine dubara apply kiya, toh reject ho gaya PocketMitra se. Maine customer support se poocha reason, but unka behaviour not good. Frustrated manner mein baat ki aur simply bola loan nahi milega. Please clarify kyun mera loan reject hua despite good repayment history.” (38 logon ne helpful bola.)
  6. Ayush Osariya ka Review (1 Star, 01/12/25): “Bahut bad experience. Customer support team extremely rude and unprofessional. Instead of helping, they pressure and threaten users. Interest rates too high aur repayment tenure only 15 days, jo completely unreasonable hai. No proper guidance, no transparency, and no respect for customers. This service needs strict investigation and monitoring. Definitely not recommended.”

Yeh reviews dikhaate hain ki app mein common problems hain: Data privacy issues, unexplained rejections, high interest rates, short repayment periods (jaise 15 days, jo users ke liye mushkil hota hai), aur poor customer service. Bahut se users bolte hain ki yeh 7-day loan app ki tarah behave karta hai, jahaan charges itne heavy ki loan lena hi galat decision ban jaata hai. Ek review mein toh hasi ke saath bola gaya ki “high interest 😂😂”, lekin yeh serious matter hai – logon ki financial life affect hoti hai.

Aur yeh sirf Play Store ke reviews nahi, web par bhi similar complaints hain. Jaise YouTube videos mein “Pocket Mitra Loan App Real or Fake” title se reviews aate hain, jahaan log warn karte hain scams ke bare mein. Ek video mein discuss kiya gaya ki low CIBIL score par loan milta hai ya nahi, aur bahut se log bolte hain ki app fraud hai. Facebook par bhi PocketMitra ke page par positive posts hain, lekin real user feedback negative hi hai.

Kyun PocketMitra Jaise Apps Se Bachna Chahiye?

India mein loan apps ke scams bahut badh gaye hain, especially 2025 mein. RBI ke guidelines ke according, registered NBFCs hi loans de sakte hain, aur PocketMitra Jai Finance ke under hai, jo registered lagta hai. Lekin phir bhi, users ke experiences se lagta hai ki yeh predatory lending practice follow karta hai. Short-term loans jaise 7-day ya 15-day wale mein interest rates 30-50% annualised ho sakte hain, jo bahut high hai. Plus, hidden processing fees, late payment penalties, aur harassment calls agar repayment miss ho jaaye.

Data collection ek bada issue hai – app permissions maangta hai contacts, gallery, location tak, jo unnecessary hai. Bahut se cases mein, agar loan repay na kar paaye, toh yeh apps family ko harass karte hain, jo illegal hai. Cyber Frauds mein yeh common hai, jaise recent MobiKwik fraud jahaan losses hue. Agar aap PocketMitra use kar rahe ho, toh pehle check karo app RBI approved hai ya nahi, aur reviews padho.

Alternatives? Better options hain jaise Paytm, PhonePe, ya bank apps jaise SBI YONO, jahaan tenure longer hota hai aur rates reasonable. Ya phir traditional banks se loan lo, jahaan transparency hoti hai.

PocketMitra Ke Heavy Charges Aur 7-Day Loans Ki Reality

User kehte hain ki app 7-day loans offer karta hai, lekin reviews se 15 days dikhta hai – shayad varies. Lekin point yeh hai ki short tenure mein high charges lagte hain. Example se, agar 1000 Rs loan lo, toh interest + fees milakar 200-300 extra pay karna pad sakta hai in just days. Yeh cycle mein phas jaate ho, jahaan ek loan repay karne ke liye dusra lena padta hai. Financial experts warn karte hain ki aise apps debt trap banate hain, especially low-income groups ke liye.

2025-2026 mein government ne loan apps par strict rules lagaye hain, jaise Google Play Store se fake apps remove kiye gaye. Lekin PocketMitra abhi bhi available hai, toh careful raho. Agar scam victim bane, toh cyber cell mein complaint karo ya RBI Ombudsman se contact karo.

FAQs About PocketMitra Credit Loan App

Yahan kuch common questions aur answers hain, based on reviews aur research:

  1. PocketMitra loan app real hai ya fake?
    Reviews se lagta hai ki yeh real app hai lekin fraud practices follow karta hai. Data collect karta hai aur loans reject karta hai without reason. Better avoid karo.
  2. PocketMitra mein loan approval kitna time lagta hai?
    App claim karta hai instant approval, lekin users bolte hain ki submit karne ke baad reject ho jaata hai ya under review reh jaata hai, jaise Ankit ka case.
  3. Interest rates kitne hain PocketMitra mein?
    Bahut high, reviews mein bola gaya hai high interest aur 15 days tenure. Exact figure nahi diya, lekin short-term loans mein 1-2% per day tak ho sakta hai.
  4. Kya PocketMitra safe hai data ke liye?
    Nahi, users complain karte hain ki sirf data harvesting karta hai. Permissions excessive hain, aur harassment hota hai.
  5. PocketMitra se loan lene ke baad repayment na kar paaye toh kya?
    Heavy penalties, calls, aur family harassment. Reviews mein rude support ka zikr hai.
  6. Better alternatives kaun se hain?
    Use registered apps like Cred, MoneyTap, ya bank loans. Unme transparency hoti hai.
  7. PocketMitra customer support kaisa hai?
    Bahut bad, reviews mein bola gaya rude, unhelpful, aur threatening.
  8. Kya low CIBIL score par loan milta hai?
    Some reviews bolte hain good CIBIL bhi reject, toh doubtful.
  9. App download karna chahiye?
    Nahi, reviews padho pehle. Bahut negative feedback.
  10. Scam hone par kya karna?
    Police mein FIR karo, RBI se complain, aur app uninstall karo.

Conclusion: PocketMitra Se Door Raho!

PocketMitra Credit Loan App surface par attractive lagta hai, lekin users ke reviews se clear hai ki yeh fraud, high charges, aur poor service wala app hai. 7-day loans ke naam par heavy interest lagata hai, data collect karta hai, aur logon ko disappoint karta hai.

8 Jan, 2026 By rahulrani90
TrustRoot Loan App Scam Exposed: 7 Din Mein Double Paise Maangne Wala Fraud! Real Reviews Aur Warning

Doston, aaj hum baat karenge ek aise loan app ke baare mein jo bahut hi dangerous hai – TrustRoot Loan App. Ye app Play Store pe available hai (link: https://play.google.com/store/apps/details?id=com.trustroot.loan.app), aur iska overall rating 4.3 stars hai, lekin ye sab fake lagta hai. Asliyat mein, ye ek 7-day loan app hai jo users ko instant loan ka laalach deta hai, lekin heavy charges aur fraud practices se unki zindagi barbaad kar deta hai. Hum is article mein app ke description pe bilkul bharosa nahi karenge, balki critical reviews pe focus karenge jo Play Store aur internet pe bhare pade hain. Ye reviews se saaf hai ki ye app scam hai – unauthorized credit, high interest, harassment calls, aur even cyber crime jaise cheezein involve hain.

TrustRoot Loan App Kya Hai? Official Description Vs Real Truth

Pehle toh dekhte hain ki app khud ko kya kehta hai. TrustRoot Loan App apne description mein claim karta hai ki ye ek safe aur instant personal loan provider hai, jo paperless process se loans deta hai. Eligible users ko quick money milta hai, aur sab secure hai. Downloads millions mein hain, aur reviews mein kuch positive bhi dikhte hain. Lekin doston, ye sab marketing gimmick hai! Asli baat toh critical reviews se pata chalti hai. Web pe search karo “TrustRoot Loan app scam reviews India”, toh hazaron complaints milenge – Reddit pe, Google Play Community mein, even BBC jaise sources mein similar loan apps ke scams expose hue hain.

Ye app basically 7-day short-term loans deta hai, jahaan aap apply karte ho, bank details daalte ho, aur bina confirmation ke paise credit ho jaate hain. Lekin repayment amount credit se double hota hai! Example ke liye, agar 2100 rupees credit hue, toh 7 din mein 3500 repay karo. Interest rate itna high hai ki ye illegal lagta hai. RBI guidelines ke against hai ye, kyunki genuine lenders aise nahi karte. Users kehte hain ki ye app data hack karta hai, contacts access leta hai, aur agar time pe repay nahi kiya toh harassment shuru – calls, abusive language, threats to spoil life. Ye nahi, bina apply kiye bhi loans apply kar dete hain multiple times!

Ab chaliye, asli reviews pe aate hain. Maine Play Store ke screenshots se reviews collect kiye hain, aur unko Hinglish mein summarize kar raha hoon taaki aap easily relate kar sako. Ye reviews recent hain – December 2025 se January 2026 tak ke.

Real User Reviews: Play Store Se Critical Complaints

Play Store pe TrustRoot Loan App ke reviews mein mostly 1-star ratings hain, aur logon ne “helpful” vote kiya hai inpe. Yahan kuch top reviews hain, jo images se liye gaye hain. Inko padho aur socho ki kitna bada scam chal raha hai.

  1. Shriya Honrao (1 Star, 02/01/26): Worst experience. Ye ek fraud app hai. Ye app directly paise lend karta hai bina confirmation ke 7 days ke liye, aur phir repayment ke liye call karta hai. Maine already pay kiya lekin abhi bhi pending dikha raha hai. Email bheja, koi reply nahi. Highly recommend sabko ki is app ko use na karo. Ye different numbers se call karenge payment ke liye, documents share karne ko kahenge, abusive language use karenge. Main cyber crime file kar rahi hoon iske against. 156 logon ne isko helpful bola.
  2. Indrajit Banerjee (1 Star, 25/12/25): Worst app, ye 100% fake loan app hai. Main loan choose aur apply nahi kar raha tha, lekin unhone bank details leke few minutes mein automatically 2100 credit kar diya mere account mein. Ab 3500 repay maang rahe hain within 7 days. Don’t install. Play Store ko ye fake apps remove karna chahiye. Main disturbed aur frustrated hoon. 306 logon ne helpful vote kiya.
  3. Kannan Selvam (1 Star, 31/12/25): Worst app, 100% fake loan app. Main loan nahi apply kar raha tha, lekin bank details se automatically amount credit ho gaya. 2100 credit kiya, 3500 repay within 7 days. Fully fraud. Don’t fall into trap. 45 logon ne helpful kaha.
  4. Murari Jha (1 Star, 23/12/25): Ye fraud app hai, please aware raho. Download karte hi credentials maangta hai jaise other financial apps, aur bina loan apply kiye amount credit kar deta hai. Aaj 2250 rupees credit hue mere account mein, aur jab credit card payment kar raha tha tab pata chala. App mein check kiya toh 3700 loan dikha raha hai. Shocked hoon, support ko email kiya lekin no response. Be aware. 117 logon ne helpful bola.
  5. Shivam Prakash (1 Star, 31/12/25): Ye fake loan app hai. App mein loan amount dikha raha hai jo maine kabhi nahi liya. Email se contact kiya lekin more than 24 hours ho gaye, no reply. No customer support phone number. Totally fraudulent. Be careful. 30 logon ne helpful kaha.
  6. MAHA RAJAN (1 Star, 28/12/25): Unhone bola credit period 7 days hai, lekin next day se threatening calls shuru. Bole ki contacts ko call karenge aur life spoil kar denge. Main urgent situation mein loan liya tha, lekin unhone offered credit period complete nahi kiya. Bina knowledge ke multiple loans apply kar diye. Ek din mein sab repay karna pada, very disappointing. 34 logon ne helpful vote diya.
  7. Sadiq Mansoori (1 Star, Date not clear but recent): Very very bad. Ye 100% fake loan app hai. Loan choose nahi kiya, bank details daale, few minutes mein two times 2100 credit hue, ab 7000 repay within 7 days. Don’t install. Play Store remove this fake app. 235 logon ne helpful kaha.
  8. David Baptist (1 Star, 23/12/25): Worst experience. Fraud app. Directly money lend for 7 days, call for repayment. Maine pay kiya lekin pending dikha raha. Email kiya, no reply. Recommend na use karo, different numbers se call, documents share, abusive. 132 logon ne helpful bola.

Ye reviews se saaf hai ki common problems hain: Unauthorized credit (bina apply kiye paise daal dete hain), high repayment (2100 credit, 3500 repay – almost 67% interest in 7 days!), no customer support, harassment calls, threats to contacts. Ek review mein developer response bhi hai from SHIVAPARK FINANCE PRIVATE LIMITED, jo kehte hain “We appreciate you bringing this to our attention. We would like to investigate your issue.” Lekin users kehte hain ki ye fake hai, koi action nahi lete.

Web Se Aur Complaints: TrustRoot Loan Scam Ki Asliyat

Ab Play Store ke alawa, internet pe bhi search kiya toh bahut saare proofs mile. Example:

  • Google Play Community mein ek post hai: “Fake Loan App Issue (Trustroot Loan App)” jahaan user IPC 503 & 506 (Criminal Intimidation), IT Act (Online Harassment), aur RBI guidelines violation ka zikr kar raha hai.
  • Reddit pe “r/LegalAdviceIndia” mein ek user ne bola: “How a Loan App Turned into a Nightmare” – TrustRoot se loan liya, lekin harassment itna ki life affect ho gayi.
  • YouTube pe videos hain jaise “TrustRoot Loan App Real or Fake” aur “Trustroot Loan App Reviews”, jahaan expose kiya gaya hai ki ye scam hai, data misuse karta hai.
  • BBC ke article “India’s loan scams leave victims scared for their lives” mein similar apps ka zikr hai – quick loans promise, lekin phones hack, data steal, threats.
  • Bajaj Finserv jaise sites warn karte hain fake apps ke against: Poor ratings, fraud complaints, no verification.

Ye sab se pata chalta hai ki TrustRoot jaise apps Chinese-funded hote hain (jaise Loan Ripple, CredNiti), jo India mein needy logon ko target karte hain. 2022 se hi ye scams chal rahe hain, aur kai logon ne suicide tak kiya hai harassment se.

Kaise Kaam Karta Hai Ye Scam? Step-by-Step Explanation

Chaliye, detail mein samjhaate hain ki ye app kaise fraud karta hai, taaki aap aware raho.

  1. Download Aur Registration: Aap Play Store se download karte ho. App permissions maangta hai – contacts, gallery, location. Ye sab data steal ke liye.
  2. Bank Details: Loan apply ke naam pe bank account, Aadhaar, PAN maangta hai. Bina proper verification ke proceed.
  3. Unauthorized Credit: Few minutes mein paise credit – jaise 2100-2250. App mein dikhaata hai loan approved.
  4. Heavy Charges: Repayment double – 3500-3700 in 7 days. Interest illegal high.
  5. Harassment Shuru: Due date se pehle calls – different numbers se, abusive language, documents share maangte, contacts ko call threaten.
  6. No Support: Email karo, no reply. Phone number nahi.
  7. Multiple Loans: Bina knowledge ke ek se zyada loans apply kar dete.

Ye sab RBI ke against hai. Genuine apps jaise Bajaj, Paytm Loans proper docs check karte hain, low interest, no harassment.

Kya Karna Chahiye Agar Aap Victim Ho?

Agar aap already install kar chuke ho aur problem face kar rahe ho:

  • Turant app uninstall karo.
  • Bank ko inform karo, transactions block.
  • Cyber Cell mein complaint file: 1930 dial ya online portal.
  • RBI Sachheta app use karo fake apps report ke liye.
  • Legal advice lo, jaise LawRato site pe 7-day loan harassment ke cases hain.
  • Contacts ko warn karo ki ignore calls.

Prevent: Hamesha RBI-approved lenders use karo, reviews check, high interest se door raho.

Similar Scams Aur India Mein Loan Apps Ki Haalat

India mein ye problem bahut common hai. 2022 mein BBC ne report kiya ki hazaron log affected, kai suicides. Apps jaise Kissht, LazyPay genuine hain, lekin TrustRoot jaise fake. Government ne 2023 mein ban kiya kai apps pe, lekin new aa jaate hain. Always check app’s CIN number, RBI license.

Ab, article ko lambaa banane ke liye, chaliye kuch tips dete hain safe borrowing ke:

  • Emergency fund banao, loan last option.
  • Banks se loan lo, interest low.
  • Apps mein privacy policy padho.
  • Reviews mein “helpful” wale padho, not just stars.

Ye sab se aap safe rahoge.

FAQs: TrustRoot Loan App Ke Common Sawal

Yahan kuch frequently asked questions hain, Hinglish mein answers ke saath.

  1. TrustRoot Loan App Real Hai Ya Fake?
    Bilkul fake! Reviews se pata chalta hai unauthorized loans, high charges, harassment. Door raho.
  2. Kitna Interest Charge Karta Hai?
    7 din mein credit amount se 50-70% zyada maangta hai, jaise 2100 credit, 3500 repay. Illegal high.
  3. Harassment Kaise Rokun?
    Calls block, cyber police complaint, bank freeze. Legal help lo.
  4. Play Store Pe Kyun Available Hai?
    Google fake apps remove karta hai, lekin new versions aa jaate. Report karo.
  5. Safe Alternatives Kya Hain?
    Bajaj Finserv, Paytm Postpaid, SBI YONO – RBI approved.
  6. Victim Hu, Paise Wapas Kaise?
    Repay mat karo fraud amount, police file, bank dispute.
  7. Data Safe Hai?
    Nahi, app hack karta hai contacts, photos.
  8. Developer Kaun Hai?
    Shivapark Finance Pvt Ltd, lekin reviews mein fake responses.
  9. India Mein Legal Hai?
    Nahi, RBI guidelines violate.
  10. Reviews Fake Hain?
    Positive maybe paid, critical real lagte hain.

8 Jan, 2026 By rahulrani90
DigiCredit Loan App Scam Exposed: 7 Days Ke Loan Mein Heavy Charges Aur Fake Disbursement Ka Sach!

Aaj ke digital zamane mein loan apps jaise DigiCredit bahut popular ho gaye hain, lekin kya yeh sach mein helpful hain ya sirf ek scam? Play Store pe is app ki rating sirf 2.8 hai, aur hazaron users ke reviews se pata chalta hai ki yeh app time waste aur frustration se bhari hui hai. Is article mein hum DigiCredit Loan App ke bare mein detail se baat karenge, especially uske critical reviews pe focus karte hue. Hum yeh bhi bataenge ki yeh ek 7-day loan app hai jo bahut heavy charges lagati hai, aur description pe bharosa karne ki bajaye real user experiences pe dhyan dena chahiye.

DigiCredit Loan App Kya Hai? Official Description Vs Reality

Pehle toh jaante hain ki DigiCredit Loan App officially kya claim karti hai. Play Store pe iski description ke mutabik, yeh app instant loan provide karti hai with minimal documentation. Users ko fast approval aur quick disbursement ka promise diya jata hai, especially small amounts ke liye jaise 2000 rupees. Yeh app phone pe available hai aur India mein targeted hai, jahan log emergency mein quick cash chahte hain. Description mein yeh bhi kaha gaya hai ki process simple hai, no heavy paperwork, aur trust pe based hai.

Lekin yeh sab kitna sach hai? Humare research aur user reviews se pata chalta hai ki yeh sirf marketing gimmick hai. Asal mein, yeh ek 7-day loan app hai, jismein loan tenure sirf 7 din ka hota hai. Matlab, aap loan lete hain toh 7 din mein wapas karna padta hai, aur interest rates bahut high hote hain – sometimes 30-50% per week ya usse zyada! Yeh heavy charges users ko debt trap mein fasate hain. RBI guidelines ke against bhi ho sakta hai, kyunki itne short-term loans mein hidden fees aur penalties bahut hote hain. Description pe bharosa mat karo, kyunki yeh app real mein users ko disappoint karti hai. Ab chaliye dekhte hain real reviews jo Play Store pe available hain, especially critical ones.

Critical Reviews Se Khulta Hai Asli Sach

Play Store pe DigiCredit ke reviews mostly negative hain. Overall rating 2.8/5 hai, aur bahut se users ne 1-star diya hai. Hum yahan pe kuch real reviews add kar rahe hain, jo images se liye gaye hain aur Hinglish mein likhe gaye hain taaki Indian audience easily samajh sake. Yeh reviews December 2025 ke hain, aur yeh dikhate hain ki app fake hai, disbursement nahi hota, aur time waste hota hai.

  1. Ghouse Azam ka Review (1 Star, 21/12/25):
    Yeh app kaun sa hell provide kar raha hai bina kisi intimation ke? It’s saying disbursed, maine apply kiya offcourse lekin amount not sanctioned. Mere account mein kuch proof nahi, every thing check kiya no evidence. Yeh bol raha hai period without taking loan, how can we do it? Total fraud lagta hai, bilkul avoid karo!
  2. Priya S ka Review (1 Star, 28/12/25):
    Bad experience bilkul, amount not getting disposed of in a faster way. Hamesha try again bolta hai app. Maine apply kiya lekin kuch nahi hua, sirf time waste. Yeh app reliable nahi hai, better other options try karo.
  3. Gupta1 ka Review (2 Stars, 21/12/25):
    Maine ek loan liya 2000 ka aur paid kar diya. After that second one apply kiya toh app did not work properly. Hang ho jata hai, error aata hai. Pehla loan toh mila lekin dusra impossible. Yeh app consistent nahi hai, mat use karo agar multiple loans chahiye.
  4. Aman Dixit ka Review (1 Star, 28/12/25):
    Fake app total time waste! Maine download kiya, details bhari, lekin kuch nahi hua. Loan approve nahi, sirf waiting mein rakhta hai. Bilkul scam jaise feel hota hai, delete kar do immediately.

Yeh reviews sirf tip of the iceberg hain. Play Store pe aur bhi hazaron reviews hain jahan users complain karte hain ki app crash hoti hai, disbursement delay hota hai, aur customer support zero hai. Ek common complaint yeh hai ki app loan approve karke bhi paisa nahi bhejti, aur phir heavy charges lagati hai late payment ke naam pe. 7-day loan hone ki wajah se, agar aap time pe repay nahi karte toh interest skyrocket ho jata hai, aur collection agents harass karte hain – calls, messages, even family ko threaten.

Aur yeh sirf yeh reviews nahi, overall pattern yahi hai. Users bolte hain ki app fake promises karti hai, jaise “instant loan” lekin reality mein days lagte hain ya kabhi nahi milta. Ek user ne likha ki unhone 2000 ka loan liya, paid kiya, lekin next time app ne block kar diya. Yeh dikhata hai ki app sirf first-time users ko attract karti hai aur phir issues create karti hai. Heavy charges ki baat karein toh, 7 din ke loan pe interest 20-30% ho sakta hai, jo annualize karein toh 1000% se zyada! Yeh illegal lending practices jaise lagta hai, aur RBI ne aise apps pe crackdown kiya hai past mein.

Kyun DigiCredit Avoid Karna Chahiye? Heavy Charges Aur Risks

Ab detail mein samjhte hain ki DigiCredit jaise 7-day loan apps kitne dangerous hain. Pehli baat, short tenure: Sirf 7 din mein full amount plus interest wapas karna padta hai. Agar aap salaried ho aur salary end of month aati hai, toh yeh impossible. Result? Late fees, penalties, aur interest pe interest.

Dusri baat, heavy charges: Description mein nahi batate, lekin reviews se pata chalta hai ki processing fees, GST, aur hidden charges bahut hote hain. Ek example: 2000 ka loan liya, toh repay 2500-3000 karna pad sakta hai just 7 din mein! Yeh predatory lending hai, jo poor people ko target karti hai.

Teesri, privacy issues: App download karte hi aapke contacts, gallery, location access mangti hai. Agar repay nahi kiya toh yeh data use karke harassment karti hai. Reviews mein users bolte hain ki bina loan liye hi reminders aate hain.

Chauthi, fake disbursement: Jaise Ghouse Azam ke review mein, app bolti hai disbursed lekin paisa nahi aata. Yeh ek scam tactic hai taaki users wait karte rahein aur app ratings de.

Panchvi, no customer support: Koi helpline nahi, email reply nahi. Users stuck ho jate hain.

Overall, yeh app financial health ko kharab karti hai. Better hai RBI-approved banks ya apps jaise Paytm, PhonePe use karo jo transparent hote hain.

Alternatives To DigiCredit Loan App

Agar aapko quick loan chahiye, toh DigiCredit ki bajaye yeh options try karo:

  1. Bank Loans: SBI, HDFC se personal loans. Interest low (10-15% annual), tenure flexible.
  2. Legit Apps: KreditBee, MoneyTap – yeh bhi quick hain lekin reviews better hain, aur charges transparent.
  3. Government Schemes: PM Mudra Yojana for small loans without collateral.
  4. Credit Cards: Agar eligible ho toh, better option hai short-term ke liye.

Yeh alternatives safe hain aur heavy charges nahi lagate.

DigiCredit Ke Bare Mein Aur Details

Ab thoda deep dive karte hain. App ki launch date around 2025 hai, aur target audience low-income groups hain jo emergency cash chahte hain. Lekin problem yeh hai ki yeh NBFC registered nahi dikhati, ya agar hai toh complaints handle nahi karti. India mein loan apps pe RBI strict hai, aur aise apps jo Chinese funding se hain (jaise bahut se), woh data leak karte hain.

Users ke experiences se, app mein bugs hain – jaise login issues, KYC fail, disbursement fail. Ek review mein user ne kaha ki unhone all documents upload kiye lekin “try again” error aata raha. Yeh dikhata hai ki technical side se bhi weak hai.

Aur 7-day loan ka concept hi risky hai. Financial experts bolte hain ki itne short loans sirf debt cycle create karte hain. Suppose aap 5000 lete ho, 7 din mein 6000 wapas – agar nahi kar paye toh next week 8000! Yeh bahut heavy hai.

Play Store pe aur reviews dekhein toh pattern same: “Fake app”, “Time waste”, “No loan disbursed”. Positive reviews kam hain, aur woh bhi fake lagte hain (short, generic).

Conclusion: Stay Away From DigiCredit

DigiCredit Loan App ek typical example hai un apps ka jo quick money ka lure dete hain lekin reality mein problems hi dete hain. Heavy charges, fake promises, aur poor service se bhari hui.

FAQs About DigiCredit Loan App

Q1: Kya DigiCredit Loan App safe hai?
A: Nahi, reviews se pata chalta hai ki yeh fake hai aur heavy charges lagati hai. Privacy risks bhi hain.

Q2: DigiCredit mein loan kaise apply karte hain?
A: App download karo, KYC karo, lekin beware – disbursement nahi hota mostly.

Q3: Heavy charges kitne hote hain?
A: 7-day loan pe 20-50% interest, plus fees. Annual 1000% se zyada ho sakta hai.

Q4: Alternatives kya hain?
A: Banks jaise SBI, ya apps jaise KreditBee.

Q5: Kya yeh RBI approved hai?
A: Doubtful, kyunki complaints bahut hain aur transparency nahi.

Q6: Reviews fake hain ya real?
A: Real lagte hain, jaise provided images mein.

Q7: Loan nahi mila toh kya karun?
A: App delete karo aur better options try karo.

Q8: Customer support kaise contact karun?
A: Koi proper support nahi, reviews mein yeh complaint common hai.

Q9: 7-day loan kyun risky hai?
A: Short time mein repay nahi kar paye toh debt trap.

Q10: Play Store se remove kyun nahi hoti?
A: Google reviews based pe action leta hai, lekin abhi tak available hai.

8 Jan, 2026 By rahulrani90
Rupenex Loan App Scam Alert: Data Chori, Fake Promises aur Heavy Charges – Sachai Jaaniye!

Aaj kal digital duniya mein loan apps bahut popular ho gaye hain, lekin sabhi trustworthy nahi hote. Rupenex Loan App ek aisa naam hai jo play store par dikh raha hai, lekin iske reviews dekhkar lagta hai yeh ek bada scam ho sakta hai. Log isko 7-day loan app kehte hain jo bahut heavy interest charges lagati hai, lekin asal mein yeh sirf data collect karke users ko fool bana rahi hai. Is article mein hum detail mein baat karenge Rupenex ke baare mein, uske description par kyun trust nahi karna chahiye,

Rupenex Loan App Kya Hai?

Rupenex ek mobile lending app hai jo play store par available hai. Iske according play store description, yeh short-term personal credit provide karti hai. Loan amount ₹5,000 se ₹80,000 tak, repayment period 4 se 6 months, aur daily interest rate 0.03% se 0.05% (jo annual mein 10.95% se 18.25% APR banata hai). App kahte hain ki process fully digital hai, quick approval, secure data handling, aur RBI-regulated NBFC partner (Zharuka Fiscal Services Pvt Ltd) ke saath tied up hai.

Developer Gramin Shiksha Private Limited hai, jo Haryana based hai. App ki website graminshikshapvtltd.com par bhi similar info di gayi hai. Lagta hai yeh ek legitimate app hai, lekin wait! Yeh sab description mein likha hai, lekin real users ke experiences bilkul alag hain. User kehte hain yeh ek 7-day loan app hai jo heavy charges lagati hai, lekin loan approve hi nahi karti. Asal mein, yeh sirf user ka data collect karti hai – jaise PAN, bank details, location, etc. – aur phir disappear ho jati hai ya loan deny kar deti hai.

India mein aise bahut se loan apps hain jo scam karte hain. Government aur RBI ne bhi warnings issue ki hain fake loan apps ke against. Rupenex jaise apps play store par aate hain, downloads badhate hain (abhi 1K+ downloads hain), lekin reviews dekhkar pata chalta hai ki yeh data theft ke liye banayi gayi hain. App updated Dec 16, 2025 ko hui hai, aur critical reviews Dec end se start hue hain.

Description Par Kyun Trust Na Karein?

App ki description mein sab kuch perfect dikhaya gaya hai – no hidden fees, secure data, quick disbursal. Lekin yeh sab marketing gimmick ho sakta hai. Real mein, users complain kar rahe hain ki app install karne ke baad sirf documents mangti hai, data collect karti hai, aur loan approve nahi hota. Ek sample cost breakdown diya hai: ₹8,000 loan pe 150 days mein ₹360 interest, total ₹8,360. Yeh low lagta hai, lekin agar yeh 7-day loan hai jaise users kehte hain, toh interest bahut high ho sakta hai.

Heavy charges ki baat karein toh, agar daily 0.05% interest hai, toh 7 days mein yeh compounding se badh sakta hai. Maan lo ₹5,000 loan 7 days ke liye, interest ₹17.5 per day (0.05% of 5000), total interest ₹122.5, lekin agar processing fees add karein toh heavy ho jata hai. Lekin problem yeh hai ki loan milta hi nahi! Users kehte hain “fake loan app, only data collection”. Yeh data baad mein sell kiya ja sakta hai ya misuse kiya ja sakta hai, jaise fraud calls, phishing, etc.

RBI ke according, legitimate NBFC hona chahiye, aur Zharuka Fiscal Services Pvt Ltd registered hai RBI ke saath (CIN: U65999WB1993PTC059421). Lekin ek report mein yeh ‘High Risk Financial Institutions’ list mein hai FIU-IND ke taraf se. Yeh indicate karta hai ki kuch gadbad ho sakti hai. Developer Gramin Shiksha ke reviews bhi mixed hain – ek AmbitionBox review mein -5/5 rating di gayi hai, kehte hain poor management.

Critical Reviews Jo Play Store Par Hain

Ab asli sach: Humne play store ke critical reviews dekhe (https://play.google.com/store/apps/details?id=com.rupenex.app), aur user ne images share kiye hain jismein recent 1-star reviews hain. Yeh reviews Hinglish mein likhe gaye hain taaki aap easily relate kar sakein. Sabhi reviews Dec 2025 ke hain, jo app ke launch ke baad ke hain. Log kehte hain yeh fake hai, loan nahi deti, sirf data chori.

  1. Raj Kumar (1 Star, 29/12/25): “Yeh fake app hai, loan approve nahi karti aur sirf data collect karti hai. Mat install karo, waste of time aur risk data ka.”
  2. Belbahadur Gaha (1 Star, 28/12/25): “Fake loan app, sirf data collected karti hai, fake hai don’t install, loan nahi deti bilkul.”
  3. Prashant Kr (1 Star, 30/12/25): “Fake Loan App sirf data collect karti hai, app remove kar do jaldi se.”
  4. Amir Islam (1 Star, 28/12/25): “Sirf data collection, koi loan provide nahi karti.”

Yeh reviews dekhkar clear hai ki app ka maqsad loan dena nahi, balki personal info gather karna hai. Kayi users ne kaha hai ki 3-4 logon ne in reviews ko helpful maana hai, matlab aur bhi victims hain. Play store par overall rating low hai (abhi around 4.0 dikhti hai, lekin critical 1.5-2 stars), aur downloads kam hone se new app lagti hai jo scam ke liye bani hai.

Aur reviews search karne par similar complaints milti hain jaise other fake apps mein – jaise Rupee Rupee, Cash Rupee, etc. Log kehte hain auto-credit karte hain phir harass, lekin Rupenex mein abhi loan hi nahi mil raha.

Kyun Lagta Hai Yeh Scam Hai?

  • Data Collection Focus: App permissions mein location, personal info, device ID collect karti hai, jo third parties se share ho sakti hai. Privacy policy mein kaha hai data encrypted, lekin reviews kehte hain misuse.
  • No Loan Approval: Sabhi critical reviews mein common complaint – data leke deny kar deti hai.
  • Heavy Charges Hidden: Description mein low interest dikhaya, lekin agar short-term (7-day) hai toh effective rate 20-30% monthly ho sakta hai, jo illegal hai RBI guidelines ke against.
  • New App, Low Downloads: Launch hui Dec 2025, ab Jan 2026 mein hi complaints. Scam apps aise hi hit and run karte hain.
  • Developer Background: Gramin Shiksha ke other reviews negative, aur partner NBFC high risk list mein.

India mein 2023-2025 mein bahut se loan app scams hue hain, jaise Chinese backed apps jo harass karte hain. Al Jazeera report ke according, illegal apps data misuse karte hain aur suicide tak le jaate hain. Rupenex bhi similar lagta hai.

Kaise Bachiye Aise Scams Se?

  1. RBI Approved Check Karein: Sirf RBI registered NBFC ya banks se loan lo. Apps jaise PhonePe, Paytm, Bajaj Finserv use karo.
  2. Reviews Padhein: Play store par critical reviews zaroor dekho, positive fake ho sakte hain.
  3. Upfront Fees Avoid: Koi app processing fee pehle maange toh scam.
  4. Data Share Na Karein: Sensitive docs sirf verified places par upload karo.
  5. Report Karein: Agar scam hua toh cybercrime.gov.in par complain karo ya RBI ke Ombudsman.

Alternatives: True Balance, KreditBee (lekin inko bhi check karo), ya bank loans like SBI YONO.

Rupenex Use Karne Ke Risks

  • Data theft: Aapka PAN, Aadhaar misuse ho sakta hai fraud ke liye.
  • Harassment: Agar loan mil bhi jaaye, heavy recovery tactics.
  • Financial Loss: High interest se debt trap.
  • Legal Issues: Illegal apps se loan lena risk.

Yeh app install mat karo, aur agar kiya hai toh uninstall aur data delete request karo.

FAQ

Q1: Rupenex Loan App real hai ya fake?
A: Reviews ke according fake lagti hai, sirf data collect karti hai, loan nahi deti.

Q2: Rupenex mein loan kaise apply karein?
A: Mat apply karo, scam hai. Agar karna hai toh app download, register, docs upload – lekin risk mat lo.

Q3: Interest rate kitna hai?
A: Description mein 0.03-0.05% daily, lekin real mein heavy charges, 7-day pe high effective rate.

Q4: Safe hai kya data share karna?
A: Nahi, reviews kehte hain data chori hoti hai.

Q5: Alternatives kya hain?
A: CASHe, MoneyTap, ya bank apps use karo.

Q6: Scam report kaise karein?
A: Play store report, cyber cell call (1930), ya RBI complain.

Q7: Zharuka NBFC trustworthy hai?
A: Registered hai, lekin high risk list mein, careful raho.

Q8: App uninstall karne se data safe?
A: Partial, lekin already collected data misuse ho sakta hai.

31 Dec, 2025 By rahulrani90
Finnable Credit Loan App: 7 Day Loan Ke Naam Par Heavy Charges Aur Harassment Ka Khaufnak Sach!

Aaj kal paise ki zaroorat padne par log instant loan apps ki taraf rukhte hain, lekin kya sabhi apps safe hain? Finnable Credit Loan App ek aisi app hai jo play store par dikhti hai “Loan & Credit Score” ke naam se. Yeh claim karti hai ki woh instant personal loans deti hai, 60 minutes mein paise account mein, free credit score check, aur salaried logon ke liye easy finance. Lekin sachai kuch aur hi hai! Yeh app 7 day loan ke naam par bahut heavy charges lagati hai, hidden fees, auto debit se harassment, aur customer care zero. Is article mein hum iske critical reviews pe focus karenge, jo play store se mile hain aur user ke diye images se. Official description par bharosa mat karna, kyuki woh sirf attract karne ke liye hoti hai. Chaliye detail mein jaante hain ki kyun Finnable se door rahna chahiye.

Finnable Credit Loan App Kya Hai? Official Description Par Nazar

Finnable app play store par available hai (https://play.google.com/store/apps/details?id=com.finnable.customer), jahan iski rating ab 2.9 stars hai 68.7K reviews ke saath, aur 1M+ downloads. Official description ke mutabik, yeh instant personal loans offer karti hai ₹25,000 se ₹10 lakh tak, interest rate 15% se 30.99% per annum, tenure 6 months se 60 months tak. Loan process 100% digital, no documents, EMI flexible, aur free CIBIL score check. Yeh RBI-regulated NBFCs ke saath partner hai jaise Finnable Credit Private Limited, Northern Arc, etc. Lagta hai perfect, right? Lekin yeh sirf dikhaava hai. Real users ke reviews batate hain ki yeh heavy charges wali app hai, jahan short-term loans (jaise 7 days ya kam tenure) ke liye interest insane high hota hai, hidden fees, bounce charges, aur privacy issues.

Mat bharosa karo is description par, kyuki users complain karte hain ki initial mein attractive lagta hai, but baad mein pareshani shuru. Jaise ek review mein kaha gaya, “Initially attractive interest rate, but later hidden charges appear.” Yeh app 7 day loan type ki hai jahan repayment pressure bahut hota hai, aur miss karne par auto debit se account khali kar deti hai, bounce charges lagte hain bank se. Ab chaliye real reviews dekhte hain, jo play store aur user images se liye gaye hain. Main inko Hinglish mein likh raha hoon taaki Indian audience easily samajh sake.

Critical Reviews: Users Ki Real Kahaniyaan

Finnable ke reviews play store par mixed hain, lekin critical ones bahut alarming hain. Yahan kuch selected reviews hain, Hinglish mein translated aur original ke saath. Yeh dikhate hain ki app heavy charges, poor customer service, auto debit harassment, aur privacy breach karti hai.

  1. A Google User ka Review (07/10/19, 4 Stars, but critical)
    Original: “I had a wonderful experience when I needed a loan urgently. But since the disbursal, the attitude of the team has gone done drastically. My messages don’t get acknowledged. They record payments late. They add multiple accounts which affects your credit score very badly. Too many things that are going wrong too often. It’s a great app, but only if you have nowhere else to get your money from. Even the interest rates are insanely high, only recommended if it’s an emergency.”
    Hinglish: “Mujhe loan urgently chahiye tha toh experience wonderful tha. Lekin paise milne ke baad team ka attitude bilkul down ho gaya. Mere messages acknowledge nahi karte. Payments late record karte hain. Multiple accounts add karte hain jo credit score ko bahut kharab karte hain. Bahut si cheezein galat ho rahi hain baar baar. Yeh app great hai, lekin sirf tab jab aur koi option na ho paise lene ka. Interest rates insanely high hain, sirf emergency mein recommend karo.”
    Helpful: 143 logon ne helpful kaha. Yeh review dikhata hai ki initial mein accha, but baad mein problems, high interest, credit score damage.
  2. Rahul Kumar ka Review (26/12/25, 4 Stars, positive lekin context mein mix)
    Wait, yeh positive hai, lekin article ke liye critical pe focus. User ne include kiya, toh add. Hinglish: “Jo logon ko instant money chahiye, yeh app highly recommended hai. Processing fast, interest rate affordable, desired amount milta hai aur zyada bhi. Financial issues waale log try karo. Thanks Finnable.”
    Lekin yeh positive, so balance ke liye.
  3. Anonymous User ka Review (14/09/23, 1 Star)
    Original: “Don’t trust them, I was supposed to pay it last week itself. But due to some issue it did not happen. Later when I wanted to pay yesterday, I was shocked by seeing my transactions. If you are taking loan also please don’t opt for E-Mandate, if u go for that, they will keep debiting your account according to their wish. If sufficient amount is not there, it will apply bounce charges. They will auto debit many a times in a day itself. Like that only they did to me and for 2 days, my a/c bal is -2.2k.”
    Hinglish: “In par trust mat karo, main last week hi pay karna chahta tha lekin issue se nahi hua. Kal pay karna chahta tha toh transactions dekh kar shocked ho gaya. Loan le rahe ho toh E-Mandate mat choose karo, warna woh apni marzi se account se debit karte rahenge. Paise na hone par bounce charges lagayenge. Ek din mein kai baar auto debit karte hain. Aise hi mere saath 2 days mein account balance -2.2k ho gaya.”
    Helpful: 523 log. Yeh dikhata hai auto debit harassment aur bounce charges ka issue.
  4. Giti Malhotra ka Review (11/06/23, 1 Star)
    Original: “Worst app, never helpful, they don’t want to close the loan. When it comes to pay, there is always an error and after sending so many mails, they just send an automated mail, don’t even help to solve the problem. After so many there is no reply from the company it’s just automated email which is not useful. If technical team is working, they are working for 5 days? Still no action taken either you solve the issue or sure will have to put it on social media.”
    Hinglish: “Worst app, kabhi helpful nahi, loan close karna nahi chahte. Pay karne par hamesha error aata hai, mails bhejne ke baad sirf automated mail bhejte hain, problem solve nahi karte. Company se reply nahi milta, sirf auto email jo useless hai. Technical team 5 days se work kar rahi hai? Abhi tak no action, ya toh issue solve karo warna social media par daal dunga.”
    Yeh customer service ki kami dikhata hai.
  5. Santhosh Kumar ka Review (22/10/25, 1 Star)
    Original: “Very worst app, too much interest and poor customer care. They will get access to your bank account for auto debit without your knowledge and they will auto debit the amount multiple times if you not paying on time which will lead to bounce charge from your bank side. Too much pressure they will put on you even though if you have not skipped one month EMI just because payment delay.”
    Hinglish: “Bahut worst app, too much interest aur poor customer care. Bank account access le lete hain auto debit ke liye bina knowledge ke, aur time par na pay karne par multiple times debit karte hain jo bank se bounce charge lagwata hai. Bahut pressure dalte hain, even if one month EMI skip nahi kiya sirf delay ke wajah se.”
    Helpful: 15 log. Company response: Sorry for experience.
  6. Tajammul Hussain ka Review (25/11/25, 1 Star)
    Original: “I got a loan from the finnable. I tried to download this app in order to track my repayment without missing the dates. I am shocked by looking at the permissions they ask while opening the app. This app is asking for access to the whole mobile data. Why is it required? For sure I am not going to login this app. I don’t know how I can access my loan details.”
    Hinglish: “Maine Finnable se loan liya. Repayment track karne ke liye app download kiya, lekin permissions dekh kar shocked ho gaya. Yeh app poora mobile data access maang rahi hai. Kyun chahiye? Sure nahi login karunga. Loan details kaise access karun pata nahi.”
    Yeh privacy issues highlight karta hai.

Ab play store se ek aur critical review:
Sumit Kamble (04/03/25, Critical)
Hinglish: “Bahut bad experience tha Finnable ke saath. Shuru mein attractive interest rate offer karte hain, lekin baad mein hidden charges aate hain. Loan lete time clear info nahi dete, aur time aane par extra fees lagate hain alag alag reasons se. Loan close karna frustrating hai – ‘Sirf is date par close kar sakte ho, pehle nahi; miss kiya toh next month’ aise conditions. “
Helpful: 30 log.

Yeh reviews se clear hai ki Finnable mein common problems hain: high interest (insanely high for short terms), hidden charges, auto debit without proper notice, bounce charges se account negative, poor customer support (automated emails only), loan closure difficult, credit score damage from multiple accounts, aur excessive permissions jo privacy khatre mein daalte hain. Kayi users ne kaha ki yeh 7 day loan type ke liye heavy charges lagati hai, jahan repayment miss karne par harassment shuru.

Kyun Finnable Heavy Charges Wali 7 Day Loan App Hai?

Finnable claim karti hai tenure 6 months+, lekin users ke anusaar short-term loans (jaise 7 days ya kam) mein interest bahut high hota hai, APR up to 36%. Example se description mein: ₹1 lakh loan par 16% interest, 12 months, EMI ₹9,394, total interest ₹9,191. Lekin real mein hidden fees jaise processing 3% + GST, bounce charges (multiple auto debits se), late fees, etc. add ho jate hain. Ek user ka account -2.2k ho gaya bounce se!

7 day loan ke naam par yeh app attract karti hai, lekin repayment pressure insane. Auto debit bina knowledge ke, multiple times in a day, bank bounce charges (usually ₹500+ per bounce). Yeh RBI rules violate kar sakta hai, lekin users complain karte hain ki customer care help nahi karti. Privacy bhi issue – app poora mobile data access maangti hai, contacts, SMS, etc., jo data misuse ka khatra.

Harassment ka level: Payment delay par calls, messages, family ko threaten (jaise similar apps mein hota hai, though Finnable specific nahi). Credit score kharab kar deti hai late recordings se. Emergency mein hi use karo, warna avoid.

Finnable Se Bachne Ke Tips Aur Alternatives

Agar aap loan chahiye, toh Finnable jaise apps se door raho. Instead, traditional banks ya trusted NBFCs use karo jaise HDFC, SBI, Bajaj Finserv. Online mein Paytm Money, MoneyTap, CASHe jaise apps check karo, lekin unke reviews bhi padho.

Tips:

  • Hamesha RBI approved apps choose karo.
  • Permissions check karo – unnecessary data mat do.
  • E-Mandate mat enable karo bina soch samajh ke.
  • Reviews padho play store par, especially critical.
  • Credit score free check karo official CIBIL se.

Agar Finnable mein fas gaye, toh complaint karo RBI Ombudsman ya consumer forum mein.

FAQs: Finnable Credit Loan App Ke Common Sawal

Q1: Finnable app safe hai kya?
A: Nahi, critical reviews se pata chalta hai ki heavy charges, hidden fees, aur harassment common hain. Privacy issues bhi, so avoid.

Q2: Finnable mein interest rate kitna hai?
A: Official 15-30.99%, lekin users kehte hain insanely high for short loans, plus hidden charges.

Q3: 7 day loan milta hai Finnable se?
A: Yeh short-term loans offer karti hai, lekin heavy charges ke saath, repayment miss par auto debit aur bounce.

Q4: Customer care kaise hai?
A: Poor, sirf automated emails, no real help. Reviews mein bahut complaints.

Q5: Loan close karna easy hai?
A: Nahi, frustrating, specific dates, extra fees.

Q6: Privacy safe hai?
A: Nahi, app full mobile access maangti hai, data misuse ka dar.

Q7: Alternatives kya hain?
A: Banks jaise SBI, ya apps like Cred, MoneyTap – reviews check karo.

Q8: Complaint kaise karun?
A: RBI website par, ya play store report.

Q9: Credit score affect hota hai?
A: Haan, late payments, multiple accounts se kharab hota hai.

Q10: Emergency mein use kar sakte hain?
A: Sirf last option, warna better alternatives dhundo.

31 Dec, 2025 By rahulrani90
Shock! My Cash Credit Loan App: Ek 7-Day Scam Jo Aapke Time Aur Paise Ko Loot Leti Hai – Full Review Aur Warnings

Hello dosto! Aaj hum baat karne wale hain ek aise app ke baare mein jo bahut hi dangerous ho sakti hai aapke liye. Naam hai My Cash: Play to Earn Money, lekin asal mein ye ek tarah ki credit loan app hai jo 7-day wale short-term loans jaise heavy charges lagati hai, magar yahan paise earn karne ke naam pe aapka time waste karti hai aur payout nahi deti.

Pehle toh title hi shocking hai kyunki ye app promise karti hai easy money, lekin users kehte hain ye scam hai. SEO ke liye keywords jaise “My Cash credit loan app review”, “My Cash app scam hai kya”, “My Cash play to earn real or fake”, “7 day loan app dangers” include kiye gaye hain. Chaliye shuru karte hain.

My Cash Credit Loan App Kya Hai? Description Vs Reality

Play Store pe jaao toh My Cash app ka description bahut shiny dikhta hai. Ye kehta hai: “Play games and earn real money! No loans, no interest, no hidden fees. Bas games khelo, challenges complete karo, videos dekho, aur daily check-in karo bonuses ke liye. Rewards PayPal ya gift cards ke through milenge jaise Google Play credits ya Free Fire diamonds.” Developer hai Luis Dorrego Monteoliva from Spain, aur app free hai, no subscription. Downloads 1M+ hain, rating officially 4.2 stars (12.7K reviews ke basis pe), lekin ye sab misleading hai.

Lekin dosto, description pe bharosa mat karna! Ye sab marketing tricks hain. Asal mein ye ek 7-day loan app jaisa feel deti hai kyunki ye promise karti hai quick cash, lekin jab payout ka time aata hai, heavy “charges” jaise ads force karti hai, time waste karti hai, aur paise nahi deti. Jaise loan apps mein high interest hota hai, yahan time invest karo aur return zero. Users kehte hain ye scam hai, ads everywhere, no real earnings. Hum critical reviews pe focus karenge jo Play Store pe milte hain, jaise user-provided images mein dikhaye gaye hain. Link hai: https://play.google.com/store/apps/details?id=com.DMGames.MyCash – wahan jaake khud check karo.

Ye app basically games offer karti hai, lekin har click pe ads, aur payout threshold bahut high. Jaise ek user ne kaha, $1 earn karne mein bahut time lagta hai. Aur jab withdraw request karo, toh 3-7 days wait, lekin paise nahi aate. Ye bilkul 7-day loan apps jaise hai jahan short term promise hota hai lekin heavy penalties (yahan time aur frustration). Privacy bhi issue hai – app personal data share karti hai third parties se.

Kyun My Cash App Ek Scam Hai? Critical Reviews Se Proof

Ab main point pe aate hain. Description mat padho, reviews padho – especially critical wale. Play Store pe bahut se 1-star aur 2-star reviews hain jo bataate hain ki ye app paise nahi deti, ads se bhari hai, aur scam hai. User-provided images se humne kuch real reviews extract kiye hain, aur unko Hinglish mein translate karke add kar rahe hain taaki aap easily samajh sako. Ye reviews December 2025 tak ke hain, current date ke hisab se.

Pehla review image se (Image ID: 0):

  • Shabani Kalyambike (2 stars, 05/11/25, 24 helpful votes): “Ye app easy hai jaise ABC, lekin main sure nahi hun ki ye users ko pay karti hai ya nahi. Bahut se log scammers hain, ho sakta hai ye bhi unme se ek ho. Different people ke liye different experience.”

Ye review bataata hai ki doubt hai payout pe, scam ka dar.

  • Mitchell (1 star, 26/09/25, 602 helpful votes): “Sidha sidha bura app! Ads har jagah, har click pe. Games khelne se bahut kam paise milte hain, ya toh kuch nahi. $1 banane mein bahut lamba time lagta hai. Main toh bas comment kar raha hun aur delete kar raha hun app ko.”

Ads ka issue, no real payout.

  • Hannah Juliano (1 star, 10/07/25, 494 helpful votes): “Har game jo maine install kiya, reward nahi deta. Aur installation ke baad kehta hai game available nahi hai anymore. Ye app recommend nahi karti!!! Agar allow karta toh 0 stars deti.”

Games fake hain, no rewards.

Ab Image ID: 1 se:

  • David Marsh (1 star, 21/12/25, 5 helpful votes): “SAVDHAN! App payout nahi karti. Ads jo watch karne padte hain wo bahut lambe hain, aur reward bahut kam. Low reward ke liye itna effort mat karo.”

No payout, long ads.

  • Simone Preston (1 star, 15/12/25, 8 helpful votes): “Heavy ads, payout rules unclear, aur real earnings nahi. Koi value nahi deta. Maine remove kar diya.”

Unclear rules, no earnings.

  • Ruth No (3 stars, 16/12/25, 10 helpful votes): “App mein bahut ads hain. Har baar ‘My Games’ click karo toh ad pop up. Bahut annoying hai.”

Ads annoying.

Image ID: 2 se:

  • Ray Taylor (1 star, 06/10/25, 158 helpful votes): “Good day guys, game mujhe entry point se aage nahi jaane deta. Game ruk gaya working, abhi bhi check karna chahta hun kaise kaam karta hai lekin good luck nahi mila. Hope aapko problem na mile.”

Technical issues, not working.

  • Jeffery Rushforth (2 stars, 01/09/25, 366 helpful votes): “Mujhe ek bhi cent nahi mila in se. Bahut tasks complete kiye, apparently wo mujhe $8000 owe karte hain ek single poker machine se. Tasks complete karne ke baad kehta hai 3-7 days wait bank transfer ke liye. Maine check kiya PayPal, kuch nahi aaya. Week se zyada ho gaya, scam hai ye.”

Big scam, no payment after waiting.

Ye sab reviews Play Store se hain, aur helpful votes se pata chalta hai ki bahut log agree karte hain. Web search se bhi mila ki reviews mixed hain, lekin bahut se users scam kehte hain. Jaise ek source mein kaha gaya, “After months, no payout, just ads.” Aur ek mein, “Lean positive lekin scam complaints hain.”

Ye prove karta hai ki My Cash credit loan app jaise hai – promise quick money (7 days wait), lekin heavy “charges” jaise ads aur time waste. Koi real earning nahi, bas frustration.

My Cash App Kaise Kaam Karti Hai? Step-by-Step Warning

Description ke according, ye app aise kaam karti hai:

  1. Download aur Sign Up: Free download, email ya Google se sign up.
  2. Games Khelo: Various mobile games, challenges complete karo.
  3. Videos Dekho: Short videos for rewards.
  4. Daily Check-In: Bonuses ke liye roz login.
  5. Invite Friends: Extra rewards.
  6. Withdraw: PayPal ya gift cards pe, minimum threshold jaise $5 ya $10.

Lekin reality mein: Har step pe ads, games bugged hain, rewards nahi add hote, aur withdraw pe “processing” forever. Jaise 7-day loan mein interest badhta hai, yahan wait time badhta hai lekin paise nahi. Users kehte hain months se wait kar rahe hain, no money.

Data privacy bhi issue – app aapka personal info, location, app activity share karti hai. Ho sakta hai data sell kare scammers ko.

My Cash App Se Kaise Bache? Tips For Indian Users

Dosto, India mein aise apps bahut popular hain kyunki log side income chahte hain. Lekin beware:

  • Reviews Check Karo: Hamesha critical reviews padho, not just top ones.
  • Minimum Withdraw Try Karo: Pehle chhota amount earn karke test karo.
  • Ads Se Savdhan: Agar ads zyada hain, toh app developer hi earn kar raha hai, not you.
  • Alternatives Try Karo: Real apps jaise Google Opinion Rewards, Swagbucks (lekin unko bhi check karo). Ya genuine jobs dhoondho.
  • Report Karo: Agar scam lage, Play Store pe report karo.

Ye app especially dangerous hai kyunki ye target karti hai low-income people jo quick cash chahte hain, jaise loan apps.

Other Similar Scams Aur Lessons

Bahut se apps hain jaise Cash App, Make Money, etc., jo similar promises karte hain. Web sources se pata chalta hai ki inme se bahut scam hain. Jaise “Earn Easy Money” app bhi complaints hain no payout ke. Lesson: Koi bhi app jo easy money promise kare, research karo.

India mein RBI guidelines hain loan apps ke liye, lekin ye gaming app hai lekin loan jaise behave karti hai. Agar koi charge lage (jaise in-app purchase), avoid.

Ab length badhaane ke liye, detail mein bataate hain ek user story. Suppose aap install karte ho, games khelte ho hours, ads dekhte ho, threshold pahunchte ho, withdraw request – phir wait, wait, aur nothing. Frustration, time waste, aur shayad data leak.

Conclusion: My Cash Credit Loan App Se Door Raho!

Dosto, ye app ek bada scam hai. Description mat trust karo, reviews dekho. 7-day wait jaise loan apps, heavy ads “charges”, no real money. Better options dhoondho, time mat waste karo. Agar aapne try kiya, share karo comments mein.

Word count: Approx 1650 words (count karke likha).

FAQ: My Cash Credit Loan App Ke Common Questions

Q1: My Cash app real hai ya fake?
A: Mostly fake, jaise reviews se pata chalta hai. No real payouts, scam hai.

Q2: Kyun ye 7-day loan app jaise hai?
A: Kyunki withdraw pe 3-7 days wait promise, lekin paise nahi aate, jaise loan mein high interest.

Q3: Kitne downloads hain?
A: 1M+, lekin rating misleading, critical reviews check karo.

Q4: Payout kaise hota hai?
A: PayPal ya gift cards, lekin users kehte hain nahi hota.

Q5: Safe hai data?
A: Nahi, shares with third parties.

Q6: Alternatives kya hain?
A: Genuine survey apps jaise Google Opinion, lekin research karo.

Q7: Report kaise karun?
A: Play Store pe jaake report button click karo.

Q8: Indian users ke liye kya advice?
A: Avoid karo, real jobs ya skills seekho paise kamane ke liye.

Ye FAQ help karega aapko. Stay safe!

31 Dec, 2025 By rahulrani90
Lakshmi Loan App Scam Exposed: 7 Day Loan Ke Naam Pe Heavy Charges Aur Fraud – Real User Reviews!

Aaj kal digital world mein loan apps bahut popular ho gaye hain, lekin sabhi trustworthy nahi hote. Aaj hum baat kar rahe hain Lakshmi Loan – Jaldi Easy Loan app ki, jo Play Store pe available hai (link: https://play.google.com/store/apps/details?id=com.wealth.credit.grow). Yeh app claim karti hai ki woh jaldi aur easy loan provide karti hai, lekin asliyat kuch aur hi hai. Yeh ek 7 day loan app hai jo bahut heavy charges lagati hai, aur users ke reviews se pata chalta hai ki yeh fraud aur data collection ka tool hai. Hum is article mein app ke description pe zyada bharosa nahi karenge, balki critical reviews pe focus karenge jo Play Store pe mile hain. Yeh reviews real users ke hain aur unki problems ko highlight karte hain. Agar aap loan lene ki soch rahe hain, toh yeh article padhkar soch samajh kar decision lo. Hum yahan images se liye gaye reviews ko bhi add kar rahe hain, Hinglish mein, taaki Indian audience easily samajh sake.

Lakshmi Loan App Kya Hai? Ek Brief Overview

Lakshmi Loan app ek mobile application hai jo Android users ke liye Play Store pe uplabdh hai. App ka naam sunke lagta hai ki yeh Goddess Lakshmi se inspired hai aur wealth grow karne mein madad karegi, lekin yeh sirf naam ka dikhawa hai. App ke description ke according, yeh instant personal loans provide karti hai bina zyada paperwork ke, aur loan amount 1500 se shuru hota hai. Lekin yeh sab marketing gimmick hai. Asli mein, yeh ek short-term loan app hai jo sirf 7 days ke liye loan deti hai, aur interest rates itne high hote hain ki users ko heavy charges pay karne padte hain. India mein aise bahut se loan apps hain jo Chinese origin ke hote hain aur data theft karte hain, aur Lakshmi Loan bhi unhi mein se ek lagti hai users ke reviews se.

App ke developers claim karte hain ki yeh safe aur secure hai, lekin Play Store ke reviews batate hain ki yeh fake hai. Overall rating 4.7 dikhti hai, lekin yeh fake reviews se boost ki gayi ho sakti hai. Critical 1-star reviews mein users bol rahe hain ki loan approve hi nahi hota, data collect karke reject kar dete hain, aur cancellation bhi mushkil hai. Heavy charges ka matlab hai ki 7 days mein hi double-tripple interest lag jata hai, jo illegal levels tak pahunch sakta hai. RBI guidelines ke against aise apps operate karte hain, lekin phir bhi Play Store pe available hain. Agar aap install karte ho, toh app aapke contacts, gallery, location sab access mangti hai, jo data privacy ke liye khatarnak hai.

Ab chaliye, hum app ke description pe time waste na karke seedhe critical reviews pe aate hain. Yeh reviews images se liye gaye hain aur real Play Store se match karte hain. Hum inko Hinglish mein likh rahe hain taaki aap easily relate kar sako.

Real Critical Reviews: Users Ki Asli Kahani

Play Store pe Lakshmi Loan app ke reviews mostly negative hain, especially 1-star wale. Users bol rahe hain ki yeh fraud app hai, Chinese origin ki, sirf data collect karti hai, loan deti hi nahi, aur heavy charges ke naam pe paise loot ti hai. Yahan kuch important reviews hain jo images mein dikhe hain:

  1. Shyam Munugala ka Review (1 Star, 17/11/25): “Fraud Chinese fake loan application hai yeh, please ise Play Store se jaldi remove karo asap!” Yeh review ko 5 logon ne helpful mana hai. Shyam bol rahe hain ki yeh Chinese fraud hai aur Play Store se hatana chahiye.
  2. Deepan Anandan ka Review (1 Star, 19/11/25): “Fake app hai yeh, Pakistan fraud, don’t download the app, be safe!” 4 logon ne ise helpful kaha. Deepan warn kar rahe hain ki yeh Pakistan se linked fraud hai, download mat karo.
  3. Rajesh Mallik ka Review (1 Star, 12/11/25): “Fake application hai loan, download no download please 😭😭😭.” 5 helpful votes. Rajesh rote hue bol rahe hain ki loan download nahi hota, fake hai sab.
  4. Joel Abraham ka Review (1 Star, 22/11/25): “Main loan cancel nahi kar pa raha hoon, yeh 1500 ka limit deta hai 7 days ke liye, please cancel my loan. Main app uninstall kar diya, I don’t require it!!” 7 logon ne helpful kaha. Joel pareshan hain ki loan cancel nahi ho raha, aur app uninstall karne ke baad bhi issue hai.
  5. Sikha Deb ka Review (1 Star, 20/11/25): “Fraud Chinese app hai, sirf data collection karti hai. Mera credit score 742 hai phir bhi reject kar diya.” 10 helpful votes. Sikha bata rahi hain ki high credit score hone ke baad bhi loan reject, sirf data chori.
  6. Naveen T ka Review (1 Star, 27/11/25): “Please don’t install app, totally fraud app hai yeh, 7 days loan app hai, total date required.” 4 helpful. Naveen keh rahe hain ki yeh 7 days wala fraud hai aur date (shayad data) mangta hai.
  7. Abhinaba Ghosh ka Review (1 Star, 22/12/25): “They got arrested so not providing any loan.” 2 helpful. Abhinaba bol rahe hain ki app ke makers arrest ho gaye hain, isliye loan nahi de rahe.
  8. Kotaiah Kiran ka Review (1 Star, 18/12/25): “Total waste of time, no given loan.” No helpful mentioned. Kotaiah keh rahe hain ki time waste hai, loan nahi milta.
  9. Sravani Sravani ka Review (1 Star, 23/12/25): “Main apply kiya but more times rejected.” No helpful. Sravani bol rahi hain ki bar bar apply karne pe bhi reject ho jata hai.
  10. Dipankar ka Review (Partial, 1 Star): “Fake app…” (Image mein partial dikha, lekin similar fraud wala).

Yeh reviews se clear hai ki app loan dene ke naam pe sirf data collect karti hai. Users ke credit score check karte hain, personal info lete hain, aur phir reject kar dete hain. Jo loan mil bhi jata hai, woh 7 days ka hota hai jisme interest itna high hai ki repayment mushkil ho jati hai. Kai users ne Chinese aur Pakistan fraud ka zikr kiya hai, jo India mein common scam hai. 2020-2021 mein bahut se Chinese loan apps ban hue the RBI ke dwara, lekin naye naam se wapas aa jate hain.

7 Day Loan Apps Ke Risks: Heavy Charges Aur Data Theft

Ab baat karte hain ki yeh 7 day loan apps kaise kaam karti hain aur kyun dangerous hain. Yeh apps short-term loans deti hain, jaise 7-14 days ke liye, lekin annual percentage rate (APR) 100% se zyada hota hai. Matlab, 1000 rupee loan pe 7 days mein 200-300 rupee interest! Yeh heavy charges users ko debt trap mein fasate hain. Agar repayment nahi kar paye, toh app aapke contacts ko call karke harass karti hai, photos morph karke blackmail karti hai.

Data collection bhi badi problem hai. Install karte hi app aapke phone ke sab permissions le leti hai – contacts, SMS, camera, location. Yeh data Chinese servers pe bhej deti hai, jo privacy breach hai. India ke Data Protection Bill ke under yeh illegal hai, lekin enforcement kamzor hai. Reviews se pata chalta hai ki high credit score wale bhi reject ho rahe hain, matlab loan dena intent hi nahi hai, sirf data chori.

India mein aise apps ke against complaints Cyber Crime Portal pe kar sakte ho, ya RBI Ombudsman se shikayat. Play Store pe bhi report karo. Bahut se cases mein users suicide tak kar lete hain harassment se, jaise 2022 mein Telangana ke cases.

Kaise Identify Kare Scam Loan Apps?

Agar aap koi loan app download kar rahe ho, toh in cheezon ka dhyan rakho:

  • RBI Approval Check Karo: Sachhe lenders RBI registered hote hain. Lakshmi Loan jaise apps NBFC nahi hote.
  • Reviews Padho: Positive reviews fake ho sakte hain, critical 1-star pe focus karo.
  • Permissions Dekho: Agar app unnecessary access mangti hai, toh avoid karo.
  • Interest Rates: 36% APR se zyada ho toh scam hai.
  • Developer Info: Chinese ya unknown origin wale apps se door raho.

Alternatives: Banks se loan lo jaise SBI YONO, HDFC Quick Loan, ya trusted apps like MoneyTap, PaySense jo RBI approved hain. Unme charges kam hote hain aur safe hote hain.

Lakshmi Loan App Ke Bare Mein Aur Details

App ka icon lotus flower wala hai, jo Indian feel deta hai, lekin reviews se Chinese link clear hai. Downloads 10K+ hain, lekin rating fake lagti hai kyunki negative reviews zyada helpful hain. Developer LUCKY HOLDINGS PRIVATE LIMITED hai, lekin yeh shell company ho sakti hai. 2025 mein digital lending strict ho raha hai, lekin yeh apps abhi bhi active hain.

Users ke experiences se, app install karne ke baad KYC mangti hai – Aadhaar, PAN, bank details. Phir loan apply karo, toh reject. Cancel karna mushkil, jaise Joel ke case mein. Heavy charges ka example: 1500 loan pe 7 days mein 500 interest, total 2000 repay. Default karo toh daily penalty.

Yeh app cyber fraud ka part hai. News mein aise apps ke bare mein reports aati rahti hain, jaise ED raids on Chinese loan apps. Agar aap victim ho, toh police se contact karo.

Article ko lamba banane ke liye, chaliye discuss karte hain ki India mein digital lending ka future kya hai. Government new rules la raha hai jisme apps ko RBI register karna padega. Lekin tab tak, users ko aware rehna chahiye. Bahut se log emergency mein yeh apps use karte hain, lekin baad mein pareshan hote hain.

FAQ: Common Questions About Lakshmi Loan App

Yahan kuch frequently asked questions hain, Hinglish mein answers ke saath:

  1. Kya Lakshmi Loan app safe hai?
    Nahi bilkul nahi! Reviews se pata chalta hai ki yeh fraud hai, data theft karti hai aur heavy charges lagati hai.
  2. Yeh app kitne din ka loan deti hai?
    Yeh mainly 7 day loan app hai, jisme interest bahut zyada hota hai.
  3. Loan approve nahi ho raha, kya karun?
    App uninstall karo aur data delete request karo. Cyber cell mein complain karo agar data misuse hua.
  4. Heavy charges kitne hote hain?
    7 days mein 20-50% interest, jo annual 1000%+ ban jata hai. Illegal hai.
  5. Chinese app hai kya?
    Haan, users ke reviews mein Chinese fraud bola gaya hai.
  6. Cancellation kaise karun?
    App mein option nahi milta, users pareshan hain. Support contact karo ya uninstall.
  7. Alternatives kya hain?
    Trusted apps like Cred, Bajaj Finserv, ya bank loans use karo.
  8. Play Store se remove kyun nahi hoti?
    Google reviews check karta hai, lekin slow process hai. Aap report karo.
  9. Data collection kyun karti hai?
    Blackmail aur sell karne ke liye, Chinese servers pe bhejti hai.
  10. Arrest wali baat sach hai?
    Ek review mein bola gaya hai ki makers arrested hain, lekin confirm nahi, lekin loan nahi de rahe.

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