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.