Aaj kal digital zamane mein instant personal loan lena bahut aasan ho gaya hai. Google Play Store par aisi hazaron apps hain jo aapko sirf 5 minute mein loan dene ka wada karti hain. Inhi mein se ek app hai Nimcredit Loan App. Ho sakta hai aapne iska advertisement dekha ho ya kisi dost se suna ho. Lekin kya ye app utni hi achhi hai jitna ye dikhti hai?
Is article mein hum Nimcredit Loan App ka poora post-mortem karenge. Hum app ke description par nahi, balki un logon ke anubhav par dhyan denge jinhone isse loan liya hai. Hum Play Store ke critical reviews ki sachai aapke samne layenge aur aapko batayenge ki kya aapko is app se loan lena chahiye ya nahi.
Nimcredit Loan App Aakhir Hai Kya?
Google Play Store ke description ke mutabik, Nimcredit ek personal loan platform hai jo users ko unki achanak aayi financial zaruraton ko poora karne ke liye loan deta hai. App ka dawa hai ki process 100% online hai, kam se kam documents ki zarurat hai, aur loan jaldi se approve ho jaata hai. Ye sab sunne mein bahut achha lagta hai, lekin asli kahani shuru hoti hai jab aap loan ke liye apply karte hain.
Anúncios
Zayadatar users ki shikayat hai ki ye ek 7-Day Loan App hai. Iska matlab hai ki aapko loan चुकाने ke liye sirf 7 din ka samay milta hai, jo ki RBI ki guidelines ke khilaf hai. In apps ka maqsad hi yahi hota hai ki user ko ek karz ke jaal (debt trap) mein phansaya jaaye.
7-Day Loan Apps Ka Asli Chehra: Ek Bada Scam
7-Day Loan apps ek bahut bade scam ka hissa hain. Inka kaam karne ka tareeka lagbhag ek jaisa hota hai:
- Bade Loan Ka Vada: Ye apps aapko 50,000 se 1 lakh tak ke loan ka lalach deti hain.
- Chhota Amount Disbursal: Jab aap apply karte hain, to aapke account mein 3000 se 5000 jaisa chhota amount hi aata hai.
- Heavy Processing Fees: Agar 5000 ka loan approve hua hai, to usme se bhi 1500-2000 rupaye processing fees aur GST ke naam par kaat liye jaate hain. Aapke haath mein sirf 3000-3500 rupaye hi aate hain.
- Sirf 7 Din Ka Samay: Aapko poore 5000 rupaye wapas karne ke liye sirf 7 din ka time milta hai.
- Harassment aur Blackmailing: Agar aap 7 din mein paisa nahi lauta paate, to inke recovery agents aapko pareshan karna shuru kar dete hain. Wo aapke contacts ko call karke, aapki edited photos bhejkar aapko badnaam karne ki dhamki dete hain.
Nimcredit app ke users ki kahaniyan bhi kuch aisi hi hain. Chaliye ab dekhte hain ki Play Store par log is app ke baare mein kya keh rahe hain.
Nimcredit App ki Sachai: Users Ke Critical Reviews
Humne Play Store se kuch latest critical reviews nikale hain taaki aapko is app ki asliyat pata chal sake. Hum yahan reviewers ke naam bhi de rahe hain jaisa unhone Play Store par likha hai.
Review 1: Hidden Charges Aur Sirf 7 Din Ka Tenure
Ek user A Google User ne likha hai:
”This is a fraud app. They show a loan amount of ₹5000 but only credit ₹3100 to your account. And you have to repay the full ₹5000 within just 7 days. This is cheating. The processing fee is way too high. Please don’t install this app.”
Is review se saaf pata chalta hai ki app heavy processing fees leti hai aur tenure sirf 7 din ka hai, jo ki app ke description mein kahin nahi likha hota.
Review 2: Auto-Credit aur Double Repayment Ka Jaal
Ek aur user, User 3216882126053939644, apne anubhav ke baare mein batate hain:
”fraudsters.. Credited some money to my bank account without any sort of approval from my side and then the app shows repayment amount (tenure 7 days) to be almost double of what was credited to my account. I realised I have been scammed but still paid as during app registration they had taken relatives and friends phone numbers.”
Ye review ek bahut gambhir samasya ki taraf ishara karta hai. App ne user ki permission ke bina unke account mein paise daal diye aur fir double paisa maangne lagi. Contact list ka access hone ki wajah se user ko majboori mein payment karna pada.
Review 3: Harassment aur Gali Galoch
Shashank Kumar naam ke ek user ne apne review mein likha:
”Worst loan app ever. They have a tenure of only 6 days. If you are one day late, their recovery agents will start calling you and your contacts and will use abusive language. They are harassing people. Google should remove such apps from the Play Store.”
Ye review in apps ke recovery tactics ka parda-faash karta hai. Loan na de paane par ye log aapko aur aapke parivaar ko मानसिक roop se pareshan karte hain.
Review 4: Data Ka Galat Istemal
Ek user ne data privacy ko lekar chinta jatayi:
”Be careful! This app asks for access to your entire contact list, gallery, and files. They use this data to blackmail you if you fail to repay. This is a complete violation of privacy. They are not a registered NBFC. Stay away from them.”
Ye ek bahut bada red flag hai. Koi bhi genuine loan app aapse aapki poori gallery ya files ka access nahi maangti. Ye data chori karke blackmailing ke liye istemal kiya jaata hai.
In reviews se yeh saaf hai ki Nimcredit app users ke saath dhokha kar rahi hai aur unhe ek mehnge karz ke jaal mein phansa rahi hai.
Kya Nimcredit App Safe Hai?
Upar diye gaye reviews aur jankari ke aadhar par, hum keh sakte hain ki Nimcredit app bilkul bhi safe nahi hai. Iske peeche kuch thos karan hain:
- Koi Registered NBFC Nahi: App ne apne description mein kisi bhi partner NBFC (Non-Banking Financial Company) ka zikr nahi kiya hai, jo RBI ki guidelines ke anusaar anivarya hai.
- 7-Day Loan Model: RBI ne saaf nirdesh diye hain ki digital lenders 60 din se kam ka loan nahi de sakte. 7 din ka loan dena seedhe-seedhe नियमों ka ullanghan hai.
- Data Ki Chori: Aapke personal data jaise contacts aur photos ka access maangna aur uska galat istemal karna ek crime hai.
- Harassment: Loan recovery ke liye dhamki dena, gali galoch karna aur blackmailing karna gair-kanooni hai.
Aise Loan Apps se Kaise Bachein?
Digital duniya mein aise frauds se bachne ke liye aapko hamesha satark rehna hoga. Instant loan lene se pehle in baaton ka dhyan rakhein:
- NBFC Partner Check Karein: Hamesha dekhein ki app kis RBI-registered NBFC ke saath milkar loan de rahi hai.
- Reviews Padhein: Sirf positive reviews par na jayein. ‘Critical’ ya ‘1-star’ reviews zaroor padhein.
- Permissions Dhyaan se Dein: Kisi bhi app ko apne contacts, gallery ya files ka access dene se pehle do baar sochein.
- Terms & Conditions Padhein: Chhote अक्षरों mein likhi shartein zaroor padhein. Usmein processing fees, interest rate aur tenure saaf likha hota hai.
- Shikayat Karein: Agar aap kisi aisi app ke jaal mein phans gaye hain, to turant Cyber Crime Police (dial 1930) aur RBI ke Sachet portal par shikayat darj karayein.
Conclusion (Nishkarsh)
Nimcredit Loan App ek dhokhadhadi aur a-surakshit app hai. Ye 7 din ke loan, bhari-bharkam charges, aur harassment ke model par kaam karti hai. Hum aapko is app se door rehne ki sakht salah dete hain. Agar aapko sach mein loan ki zarurat hai, to apne bank, kisi vishwasniya NBFC, ya RBI dwara approved genuine loan apps se hi sampark karein. Thodi si savdhani aapko ek bade financial aur मानसिक sankat se bacha sakti hai.
FAQ (Aksar Puche Jaane Wale Sawal)
Q1: Nimcredit loan app real hai ya fake?
Ans: Reviews aur kaam karne ke tareeke ko dekhte huye, ye app ek fake aur fraudulent loan app lagti hai jo users ko 7-din ke loan ke jaal mein phansati hai.
Q2: Nimcredit app kitna charge karti hai?
Ans: Nimcredit app loan amount ka lagbhag 30-40% tak processing fees ke roop mein kaat leti hai. Iska matlab agar 5000 ka loan hai to aapko haath mein sirf 3000-3500 hi milenge, lekin चुकाने poore 5000 padenge.
Q3: Kya Nimcredit app RBI se registered hai?
Ans: App ke description mein kisi bhi RBI-registered NBFC ka zikr nahi hai, isliye iske registered hone ki sambhavna na ke barabar hai.
Q4: Agar Nimcredit ke agents pareshan karein to kya karein?
Ans: Agar inke recovery agents aapko ya aapke contacts ko pareshan karte hain, to unka number block kar dein aur turant nazdeeki police station aur National Cyber Crime Reporting Portal (cybercrime.gov.in) par online complaint file karein.
Q5: Kya mujhe 7-day loan app ka paisa wapas karna chahiye?
Ans: Ye ek complex situation hai. Kanooni taur par, ye apps illegal hain. Lekin unke paas aapka data hota hai. Salah di jaati hai ki aap pehle cyber crime mein shikayat darj karayein aur unke nirdeshon ka paalan karein. Bina soche samjhe payment na karein.
