19 Feb, 2026 By rahulrani91@gmail.com 0 CIBIL LOAN APP, BANK LOAN APP, NEW LOAN 2025 0 Comments

Kubiz Loan App Review : Kubiz Loan Real or Fake ?

Introduction: Kubiz App Kya Hai?
Aajkal instant loan apps bahut popular ho gaye hain, especially emergency cash chahiye ho to. Ek aisa hi app hai Kubiz: Loan App, Instant Cash, jo Play Store pe available hai. Ye app salaried Indians ke liye banaya gaya hai, jisme aap jaldi se personal loan le sakte ho bank account mein direct credit ke saath. Developer hai Kubiz Capital Private Limited, jo RBI registered NBFC (Non-Banking Financial Company) hai (CIN: U65999MH2010PTC204859). App ka tagline hai quick, easy aur safe loan, lekin reality mein iske charges bahut heavy hote hain, jo bahut se users ko pareshan kar dete hain.

Kubiz Loan App Review
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Play Store pe iska rating around 3.2 stars hai (jaise aapne screenshot mein dikhaya), aur downloads 5K+ hain. Ye short-term loan deta hai, mostly 3-4 months ke tenure pe, jisme interest aur fees milakar total repayment amount bahut zyada ho jata hai. Aapne bhi is app se loan liya hai, jisme ₹10,000 sanction hua, lekin disbursed amount ₹9,056 tha (fees deduct karke), aur repayment heavy tha. Is article mein hum is app ki full details, aapke experience, reviews, charges, aur FAQ cover karenge.

Kubiz App Kaise Kaam Karta Hai?


Kubiz app 100% digital process follow karta hai – no paperwork, no branch visit. Process yeh hai:

  1. App install karo aur mobile number se register karo.
  2. Basic details bhro (name, income, etc.).
  3. KYC verify karo Aadhaar OTP se, selfie lo, PAN aur bank account details do.
  4. Loan apply karo – approval mostly minutes mein hota hai agar eligible ho.
  5. Charges accept karo, e-sign loan agreement karo.
  6. Loan direct bank account mein credit ho jata hai (minutes ya hours mein).

Eligibility criteria simple hai:

  • Indian citizen ho, age 18+ years.
  • Valid PAN aur Aadhaar card.
  • Minimum monthly income ₹15,000 (salaried preferred).
  • Loan amount ₹10,000 se ₹1,00,000 tak, tenure 3-4 months.

Loan Amounts, Interest aur Heavy Charges
Yahan sabse important part hai – charges bahut high hain! Play Store description ke according:

  • Loan Amount: ₹10,000 to ₹1,00,000
  • Tenure: 3 to 4 months
  • Interest Rate: 1.5% to 3% per month (APR up to 36%)
  • Processing Fee: Starting 7.5% of loan amount (exclusive GST)
  • Service Fee: Starting 6% (exclusive GST)
  • GST: 18% on fees
  • Other Fees: Kuch cases mein tech platform fee, documentation fee bhi add ho jate hain.

Aapke case mein jo screenshot hai, wahan clear dikhta hai:

  • Sanctioned: ₹10,000 (eligible up to ₹11,000)
  • Disbursed: ₹9,056 (fees deduct karke)
  • Total to return: ₹14,729.89 (3 months mein)
  • Interest per day: 0.2% (jo monthly ~6% ban jata hai, lekin overall high)
  • Processing Fee + GST: ₹1,037
  • Tech Platform Fee + GST: ₹1,199.97
  • Documentation Fee + GST: ₹1,199.97

Total fees aur interest milakar loan amount se almost 47% zyada repay karna pad raha hai! Representative example Play Store pe: ₹10,000 loan pe disbursed ₹8,997, total repay ₹14,081 (3 months). Ye bahut costly hai, especially jab banks se personal loan 10-15% annual interest pe mil jata hai.

Aapka Personal Experience (User se Shared)
Aapne bataya ki 17 February 2026 ko ₹10,000 sanctioned hua, 3 months tenure pe. 5 minutes mein approval, e-sign ke baad 2 minutes mein ₹9,056 credit ho gaya. Aap surprised the ki genuine app nikla, lekin charges dekhkar heavy feel hua hoga. Ye typical instant loan apps ki tarah fast hai, lekin cost high hone se long-term mein burden ban jata hai. Agar repayment miss ho jaye, to harassment ya recovery calls aa sakte hain (jaise kai loan apps mein hota hai).

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User Reviews: Mixed Feedback
Play Store reviews se kuch examples (jaise aapne share kiye screenshots):

  • Positive: Ek user (Vaishakh Udayakumar) ne 5 stars diye – 17/02/26 ko ₹10,000 loan mila, 5 min approval, 2 min credit, surprised genuine app se.
  • Neutral/Positive: “Mast h” (Ha Meri Jaan) – mast experience.
  • Negative: “Totally fake 😂” (Bill Save) – 1 star.
  • “Fake loan app, please don’t install” (Vikas Mahor) – 1 star.
  • “Very bad yet I faces no emandate” (Vishal Jaiswal) – low rating, but no mandate issue.
  • “My age is 20 but loan nahi mil raha” (Shubham Kumar) – eligibility issue.

Overall, kuch log fast disbursement se khush hain, lekin bahut se fake ya high charges ki shikayat karte hain. Kuch reviews mein harassment ya hidden fees ki baat nahi dikhi, lekin charges heavy hone se log warn karte hain.

Pros aur Cons
Pros:

  • Instant approval aur disbursement (minutes mein).
  • No paperwork, fully digital.
  • RBI registered NBFC partner, to kuch extent legitimate.
  • Salaried logon ke liye easy access.

Cons:

  • Bahut high interest aur fees (total repayment 40-50% zyada).
  • Short tenure, EMI heavy.
  • Mixed reviews – kuch fake bolte hain.
  • Low rating (3.2 stars), complaints about charges.

FAQ: Common Questions About Kubiz Loan App

  1. Kubiz app real hai ya fake?
    Real hai, RBI registered NBFC Kubiz Capital Pvt Ltd operate karta hai, lekin charges bahut high hain. Fake nahi, lekin costly hai.
  2. Loan kitne time mein milta hai?
    Approval 5-10 minutes, disbursement 2 minutes se hours tak.
  3. Interest rate kya hai?
    1.5% to 3% per month, plus heavy processing/service fees (total effective rate bahut zyada).
  4. Eligibility kya chahiye?
    18+ age, ₹15,000+ monthly income, PAN, Aadhaar, bank account.
  5. Fees kitne lagte hain?
    Processing 7.5%+, service 6%+, GST 18%, total disbursed amount se 10-20% deduct ho jata hai.
  6. Repayment kaise karna hai?
    3-4 EMIs mein bank se auto deduct.
  7. Safe hai kya?
    RBI compliant hai, data encrypted, lekin high charges ki wajah se carefully use karo. Better options jaise banks ya low-interest apps try karo.
  8. Agar repayment miss ho to?
    Late fees aur recovery calls aa sakte hain – timely pay karo.

Conclusion
Kubiz app fast cash ke liye acha option hai agar emergency ho, lekin heavy charges (jaise aapke case mein ₹10,000 pe ₹14,700+ return) ki wajah se soch samajh kar use karo. Better hai pehle banks se compare karo ya low-interest apps dekho. Agar aapne loan liya hai, to time pe repay karo taaki credit score kharab na ho. Hamesha Play Store se official app download karo aur terms padho.

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