Aajkal bahut saare log instant loan ke chakkar mein digital loan apps try kar rahe hain, aur ek aisa app jo bahut discussion mein hai wo hai Udgir Mudra (Play Store link: https://play.google.com/store/apps/details?id=com.udgir.mudra.app). Ye app 7 day loan ke naam se famous (ya infamous) ho raha hai, kyunki isme repayment period bahut short hota hai – sirf 7 din! Aur charges itne heavy hote hain ki log paise dubo kar pareshan ho jaate hain.
Lekin asli baat ye hai ki is app ke official description pe bilkul bharosa mat karna. Play Store pe ye app khud ko “credit card data organize karne wala” ya “expense tracking” app batata hai, jaise manual entry se purchases track karo, reports banao, etc. Koi loan terms, interest rate, fees wagairah mention nahi karta. Lekin andar jaake logon ko loan milta hai, aur phir problems shuru!
Real user experiences aur critical reviews se pata chalta hai ki ye ek high-risk, potentially fraudulent ya predatory loan app hai. Bahut se users ne blackmail, scam, payment not reflecting, morphed photos ke threats, aur unfair charges ki shikayat ki hai.
Anúncios
Udgir Mudra App Ke Critical Reviews Jo Play Store Pe Mil Rahe Hain
Users ne bahut serious complaints ki hain. Yahan kuch real reviews ke examples (jo aapne bhi share kiye aur similar hain):
- Syeda Saleemunnisa (1 star, March 2026):
“It was very bad experience, he was blackmailing me that he will upload my photos… stick my photo… send to my family… I gave him money but he is not showing that I paid… first 800, then 2000 (left 1200), again 800… now showing unpaid 2085. This is pretty bad please.”
5 logon ne helpful bataya. Ye blackmail wali shikayat common hai illegal loan apps mein. - A Paul (1 star, March 2026):
“They asked me to review first, then rejected instantly. I think it’s a scam app. Don’t waste your time… go for CreditBee etc or big companies. This app is shady.”
1 person ne helpful kaha. - Karnati Murali (1 star, Jan/Feb 2026):
“They gave me 1200 rupees, and I paid them back 2000 within a week, but the app still shows that I owe more. Please check my problem.”
20 logon ne helpful bataya – ye payment reflect na hone ki bahut badi problem. - Priyanshu Hazarika (1 star, Feb 2026):
“This platform doing scam, I paid my loan but they didn’t settle yet… just took all your documents and didn’t settle loan after paid. This is scam, be careful.”
9 logon ne helpful kaha. - Aminul (1 star, March 2026):
“This is a very bad loan app. They give extremely little time to repay… If you take 50,000 loan, you have to pay around 20,000 as processing fees, and repay within just 7 days. Charges unfair, repayment time too short. Strongly recommend no one take loan from this app, otherwise serious financial trouble.”
3 logon ne helpful bataya.
Positive reviews bhi hain jaise Sajjad Saju ne “nice and flexible app” kaha, lekin unki helpful votes kam hain aur overall negative reviews zyada strong aur helpful votes wale hain. Rating around 4.6 dikhta hai lekin low star reviews mein bahut serious allegations hain.
Kyun Ye App Itna Risky Hai? (Heavy Charges aur 7 Day Repayment)
- 7 Day Loan App: Ye sabse badi red flag hai. Normal legitimate loan apps mein repayment 3-12 months hota hai. Yahan sirf 7 din mein pura loan + heavy interest + fees repay karna padta hai.
- Heavy Charges: Ek user ne bataya ki 50,000 loan pe 20,000 processing fees + short time – ye interest rate 1000%+ annual ke barabar ban jata hai, jo illegal predatory lending hai.
- Blackmail aur Harassment: Bahut users ne kaha ki documents (photos, contacts) lete hain, payment ke baad bhi unpaid show karte hain, aur threats dete hain family ko photos bhejenge, morphed images use karte hain.
- Payment Issues: Paise pay karne ke baad bhi app mein unpaid dikhta hai, extra paise maangte hain.
- Scam Indicators: App description mein loan ka zikr nahi, lekin andar loan deta hai – ye hiding tactics hai. YouTube reviews aur online discussions mein bhi “real or fake” debates hain, aur scam hone ke signs zyada.
Official description pe trust mat karo – wo sirf expense tracker jaise dikhta hai, lekin real mein loan predatory style mein deta hai.
Alternatives Kya Use Karein?
Agar aapko genuine instant loan chahiye to RBI-regulated NBFC ya banks ke apps use karo jaise:
- CreditBee
- MoneyTap
- Paytm Postpaid
- Bajaj Finserv
- KreditBee (real wala)
Inme transparent terms hote hain, interest reasonable (2-3% per month), aur repayment flexible.
FAQ: Udgir Mudra App Ke Baare Mein Common Questions
Q1: Udgir Mudra app real hai ya fake?
A: Play Store pe available hai, lekin user reviews se lagta hai predatory aur scam-like behavior hai. Loan description chhupata hai, blackmail reports hain – bahut risky.
Q2: Isme interest kitna lagta hai?
A: Official mein nahi bataya, lekin users kehte hain processing fees 30-40%+ aur 7 days mein repay – effective interest bahut high.
Q3: Payment karne ke baad bhi unpaid kyun dikhta hai?
A: Bahut common complaint. App glitch ya intentional – extra paise maangte hain.
Q4: Blackmail ho raha hai to kya karna chahiye?
A: Police mein cyber crime complaint karo, screenshots save karo, aur RBI ya Google Play pe report karo.
Q5: Kya ye RBI approved hai?
A: Koi proof nahi mila. Genuine apps RBI-regulated NBFC partner disclose karte hain. Ye nahi karta.
Q6: Safe hai download karna?
A: Avoid karo. Personal data, photos, contacts leak hone ka risk high.
Agar Aapke Saath Fraud Hua Hai Toh Kaise Complaint Karein? (Step-by-Step Process)
Agar aapne Udgir Mudra se loan liya aur fraud/blackmail/payment issue hua hai, to turant action lo:
- Screenshots Save Karo: Sab transactions, threats, messages, payment proofs, app screens ka screenshot lo.
- Cyber Crime Cell Mein Complaint Karo:
- National Cyber Crime Reporting Portal: https://cybercrime.gov.in
- Call 1930 (Cyber Crime Helpline).
- Local police station mein FIR darj karwao (blackmail/harassment ke against IPC 420, 506, IT Act sections).
- Google Play Store Pe Report Karo:
- App page jaake “Report” karo as “Inappropriate” ya “Scam/Fraud”. Reviews mein bhi post karo.
- RBI Ombudsman Ya Banking Ombudsman:
- Agar NBFC link dikhe to RBI ke paas complaint.
- https://cms.rbi.org.in pe online file karo.
- Consumer Court Ya Helpline:
- National Consumer Helpline: 1915 ya online.
- Documents misuse ke liye privacy complaint bhi.
- Bank/ UPI Se Block Karo: Agar auto-debit ya payment kiya to bank se stop karwao.
Yaad rakho: Kabhi bhi threats pe extra paise mat do – ye cycle badhata hai. Police involved hone se recovery companies ruk jaati hain.
Final Advice: Udgir Mudra jaise apps se door raho. Short-term heavy charge wale loans financial trap ban jaate hain. Hamesha RBI-approved lenders choose karo aur terms padho.
