26 Dec, 2025 By rahulrani91@gmail.com
Ring Credit Loan App Scam Alert: 7 Din Ke Loan Mein Bhayankar Overdue Charges Aur Harassment Ki Asliyat! 2025 Full Review

Aaj kal paise ki zarurat padne par log instant loan apps ki taraf rukhte hain, lekin sab apps trustworthy nahi hote. Ring Credit Loan App (by Kissht) ek aisa app hai jo claim karta hai ki wo instant loans deta hai zero documentation ke saath, lekin asliyat mein bohot saare users isse pareshan hain. Ye app basically short-term loans offer karta hai, jisme 7 din ke loans bhi shamil hain jahaan heavy charges aur overdue fees users ko barbaad kar dete hain. Play Store pe iska rating 4.1 stars hai 884K reviews ke saath, lekin critical reviews dekhne pe pata chalta hai ki ye app high interest rates, app crashes, poor customer service aur credit score ko nuksaan pahunchane ke liye infamous hai.

Is article mein hum Ring Loan App ki puri sachai bataayenge, official description pe bharosa karne ke bajaye real user reviews pe focus karenge. User images se mile reviews ko bhi add kiya hai Hinglish mein, taaki Indian audience easily samajh sake. Agar aap soch rahe ho loan lene ke baare mein, to ye padh kar soch samajh kar decide karna. Ye app RBI registered NBFCs ke saath kaam karta hai jaise Si-Creva Capital, Northern Arc aur MAS Financial, lekin fir bhi complaints ki bharmar hai. Chaliye shuru karte hain.

Ring Credit Loan App Kya Hai Aur Kaise Kaam Karta Hai?

Ring Credit Loan App, jo Kissht ke dwara banaya gaya hai, ek fintech app hai jo personal loans, business loans aur insurance offer karta hai. Official website paywithring.com pe ye claim karta hai ki loans up to ₹5 lakhs milte hain, wo bhi 5 minutes mein paperless KYC ke saath. Download count 10M+ hai, jo dikhaata hai ki bohot log isse use karte hain. App ka headquarter Mumbai mein hai, address: 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla (West).

Kaise kaam karta hai? Aap app download karte ho, mobile number se register karte ho, OTP verify karte ho, basic details jaise name, DOB, address, employment daalte ho. Fir digital KYC ke liye PAN aur Aadhaar upload karte ho. No guarantor, no collateral. Loans multi-purpose hote hain – travel, education, wedding, home renovation ke liye. UPI payments bhi support karta hai, jisse money transfer easy hota hai.

Lekin yahaan twist hai: User kehte hain ki ye ek 7 day loan app hai jahaan repayment short hoti hai, aur agar ek din bhi late hua to heavy penalties lagte hain. Official mein tenure 3 se 60 months bataya hai, lekin real mein short-term options mein charges bohot zyada hote hain. Example se samjho: ₹60,000 loan pe 18 months tenure, 33% interest, processing fee ₹4,248 (GST incl.), total interest ₹16,858, EMI ₹4,271, APR 44%. Ye dikhaata hai ki effective cost bohot high hai.

Kissht aur Ring ek hi company ke parts hain, OnEMI Technology Solutions Limited ke under. Ye RBI guidelines follow karte hain, lekin reviews mein log kehte hain ki collection agents harassment karte hain, family ko call karte hain. Agar aap student ho ya low income wale, to careful raho kyunki eligibility check mein credit score check hota hai, aur default karne pe score gir jaata hai.

Ring Loan App Ke Charges Aur Interest Rates: Kitne Heavy Hain?

Ring App ke charges bohot controversial hain. Official mein interest rate up to 33% per annum bataya hai, APR 32% se 57% tak (website pe 32-63%). Processing fees high hote hain, jaise example mein 7% se zyada. Lekin asli problem overdue charges mein hai. Users kehte hain ki agar EMI auto-debit fail hota hai to 80-90% EMI ke barabar overdue charge lagta hai, wo bhi technical reasons ke naam pe.

Jaise, ek user ne bataya ki unka loan ₹805 tha, 1 din delay hua to ₹776 late fee charge kar diya – ye almost 96% penalty hai ek din ke liye! Ye 7 day loan structure mein common hai, jahaan short repayment period ke wajah se risk high hota hai. Agar aap bounce karte ho, to SMS aata hai lekin call nahi karte help ke liye, balki recovery ke liye 10-20 calls per day karte hain.

Hidden charges? Official mein kehte hain no hidden costs, transparent terms. Lekin reviews mein log complain karte hain ki credit score update nahi hota timely payment ke baad bhi. Wait 15-20 days bolte hain, lekin 5 months baad bhi no update, jisse credit score down rehta hai. High APR ki wajah se small loan bhi costly padta hai. Misal ke taur pe, ₹10,000 loan 7 days ke liye lene pe effective interest bohot zyada ho sakta hai if penalties add ho.

Reddit pe ek user ne bataya: “They charge high processing fees and high interest, and they mostly make money when users default, they are known for predatory recovery.” Quora pe: “They will call you daily till you pay, and call family members if you ignore.” Ye dikhaata hai ki charges na sirf high hain, balki collection tactics bhi aggressive.

Agar aap calculate karo, to annualised rate 100% se zyada ho sakta hai short loans mein. RBI guidelines ke against ye nahi hai, lekin users ke liye trap hai. Better hai bank ya trusted NBFC se loan lo, jahaan rates low hote hain.

Real User Reviews Aur Complaints: Play Store Se Critical Stories

Ring App ki description pe bharosa mat karo – “zero doc, quick disbursal, lower rates” – ye marketing hai. Asli sachai critical reviews mein hai. Play Store pe bohot saare 1-star reviews hain jo app crashes, overcharges, poor support aur scam-like behavior ke baare mein batate hain. Yahan user-provided images se reviews Hinglish mein add kiye hain, taaki aap easily relate kar sako. Inke alawa web se mile complaints bhi shamil hain.

Review 1: Chuba Sangtam, 28/11/25, 1 Star (44 logon ne helpful kaha)
Mera phone Ring app nahi khol raha tha – har baar try karne pe sudden back chala jaata tha aur log in hi nahi ho paata. Maine pehle 3 EMIs bina kisi issue ke pay kar diye, lekin is 4th time app crash kar raha hai aur lagta hai ye log mujhe pareshan kar rahe hain. Main koi overdue charges nahi dunga, aur ye links se pay nahi karunga jo ye bhejte hain. Ye app ek star bhi deserve nahi karti!

Company Response (OneEMI Technology Solutions Limited, 29/11/25):
Dear User, hum is inconvenience ke liye regret karte hain. Please humse contact karen 080-44745950 pe ya socialcare@paywithring.com pe likhen with screenshot.

Review 2: Chandra Shekhar, 14/11/25, 1 Star (78 logon ne helpful kaha)
Bohot bura experience. Ye log EMI ke 80-90% overdue charge lagate hain. Technical reasons ke naam pe overcharging karte hain. Agar technical issue se auto debit fail hota hai, to ye call bhi nahi karte. SMS karte hain lekin jab bounce hota hai EMI, to din mein 10-20 baar call karte hain. Worst auto debit system Ring ka hai.

Review 3: Anonymous, 06/12/25, 1 Star (103 logon ne helpful kaha)
Please Ring app se loan mat lo. Agar lo bhi to credit score down ho jaayega. Even if EMI time pe pay karo, ye properly update nahi karte. Hamesha emails aur documents maangte rehte hain. Bolte hain “wait 15 days” ya “wait 20 days”, lekin 5 months baad bhi no update. Isse credit score definitely affect hota hai. Better hai mat use karo.

Company Response (OneEMI, 06/12/25):
Dear User, regret for inconvenience. Contact us at 080-44745950 or socialcare@paywithring.com with details.

Review 4: Amar Shrivastava, 10/12/25, 1 Star (29 logon ne helpful kaha)
Bohot bura experience. Mera loan amount sirf ₹805 tha, 1 din delay hua lekin Ring Pay ne ₹776 late fee charge kar diya. Ye completely unacceptable hai aur scam lagta hai. Maine support ko email kiya lekin no reply. App totally useless hai – high charges, poor customer service, no proper communication. Main kisi ko recommend nahi karta is app se loan lene ko.

In reviews ke alawa, web pe mile complaints: Ek Reddit user ne bataya ki Kissht (Ring ka parent) se accidentally loan credit ho gaya, aur ab repayment karna pad raha hai. Dusre ne kaha ki students ke liye safe nahi, kyunki high fees aur recovery agents family ko call karte hain. Quora pe log kehte hain daily calls aate hain repayment ke liye, even lockdown mein.

Play Store ke recent reviews mein bhi similar patterns: App unreliable, loan amount reduce kar dete hain bina reason, customer care unresponsive. Ek review (v g, 09/12/25): “Loan amount reduce kar diya bina logic ke, unreliable app.” Total mein, 884K reviews hain lekin low ratings wale bohot hain jo charges aur harassment highlight karte hain.

Ye sab dikhaata hai ki Ring App short-term loans mein trap set karta hai, jahaan 7 din ke andar pay na karo to life barbaad.

Kya Ring Credit Loan App Safe Hai? Scam Ya Legit?

Ring App legit hai kyunki RBI registered NBFCs ke saath tied hai, aur SSL certified hai. Data privacy kehte hain follow karte hain, contacts access nahi karte bina permission. Lekin safe? Bohot doubts hain. Complaints se pata chalta hai ki collection processes aggressive hain – abusive language nahi use karte officially, lekin calls bohot aate hain.

Fraud alerts: Company khud warn karti hai fake apps se, jaise phishing scams mein log Kissht/Ring ke naam pe paise maangte hain. Lekin users kehte hain app khud scam-like hai high penalties ke wajah se. Credit score impact bohot bada issue hai – timely pay karo tab bhi update nahi hota.

Agar aap use karna chahte ho, to small amount se start karo, terms padho, aur alternative dekho. Students ke liye not recommended, kyunki no stable income pe default risk high.

Ring Loan App Ke Better Alternatives

Agar instant loan chahiye, to trusted apps try karo jaise:

  • Paytm Personal Loan: Low rates, easy process.
  • MoneyTap: Credit line with low interest.
  • Bajaj Finserv: RBI approved, better support.
  • Bank loans: SBI YONO ya HDFC se, safe aur cheap.

Inme charges low hote hain, no heavy penalties.

Conclusion: Ring App Se Door Raho

Ring Credit Loan App dikhta to attractive hai, lekin heavy charges, overdue fees aur poor service ki wajah se bohot risks hain. 7 day loan structure mein ye users ko trap karta hai. Reviews se saaf hai ki ye scam-like feel deta hai. Better hai traditional banks ya trusted apps use karo. Agar victim ho, to RBI complaint karo.

FAQ: Ring Credit Loan App Ke Common Sawal

Q1: Ring Loan App safe hai kya?
A: Partially safe, RBI tied hai lekin reviews mein harassment aur high charges ki complaints hain. Careful raho.

Q2: Ring App mein interest rate kitna hai?
A: Up to 33% per annum, APR 32-57%, lekin effective higher overdue ke saath.

Q3: 7 day loan available hai?
A: Official mein nahi bataya, lekin short-term options mein heavy penalties hote hain jaise 1 din late pe 90% charge.

Q4: Credit score affect hota hai?
A: Haan, even timely pay pe update nahi hota, score down rehta hai months tak.

Q5: Customer support kaise hai?
A: Poor, emails ka no reply, calls sirf recovery ke liye aate hain.

Q6: Loan kaise repay karun?
A: App se auto-debit ya UPI, lekin fail hone pe penalties lagte hain.

Q7: Ring App se loan lene ke fayde?
A: Quick disbursal, zero doc, lekin cons zyada hain.

Q8: Scam hai kya?
A: Not fully scam, lekin predatory practices hain jaise high late fees.

Q9: Alternatives kya hain?
A: Paytm, MoneyTap, bank apps.

Q10: Complaint kaise karun?
A: Company ko email karo ya RBI Ombudsman se contact.

26 Dec, 2025 By rahulrani91@gmail.com
FinFlex Loan Mate Credit Loan App Scam? 20% Interest aur Harassment Ke Shocking Sach – Mat Padna Is Trap Mein!

Aaj kal paise ki zaroorat sabko hoti hai, aur instant loan apps jaise FinFlex Loan Mate credit loan app logon ko attract karte hain. Lekin kya ye app sach mein helpful hai ya ek bada scam? Play Store pe iska rating 4.2-4.6 dikhta hai, lekin critical reviews aur YouTube pe real user experiences sunke lagta hai ye ek dangerous 7 day loan app hai jo heavy charges lagati hai, data collect karke harassment karti hai. Is article mein hum puri detail se baat karenge, official description pe trust na karke real reviews pe focus karenge. Agar aap loan lene ki soch rahe ho, to ye padhke soch samajh ke faisla lena. Ye article 1400+ words ka hai, Hinglish mein likha gaya hai taaki Indian audience easily samajh sake. Chaliye shuru karte hain!

FinFlex Loan Mate Credit Loan App Kya Hai? Official Claims Vs Real Truth

FinFlex Loan Mate ek Android app hai jo Play Store pe available hai (link: https://play.google.com/store/apps/details?id=com.fin.flex.loan.mate.finflex.loanmate). Official description ke mutabik, ye app instant personal loans provide karti hai up to ₹80,000 tak, bina kisi hidden charges ke, fast approval ke saath. Ye kehte hain ki aapko bas Aadhaar, PAN aur bank details dena hai, aur loan turant mil jayega. App November 2025 mein launch hui thi, aur downloads 1,000 se 5,000 ke beech hain. Ye short-term loans offer karti hai, jaise 7 days ke liye, aur interest rate low batate hain.

Lekin yahan pe dhyaan rakhna! Official description pe jyada bharosa mat karna. Real mein ye ek typical 7 day loan app hai jo bahut heavy charges lagati hai. Users ke reviews se pata chalta hai ki loan amount chhota hota hai (jaise ₹2,000), lekin interest 20% hota hai, plus processing fee ₹200, GST ₹100, transaction fee ₹100 – matlab total ₹400 extra cut ho jata hai. Aapko ₹2,000 ka loan approve hota hai, lekin account mein sirf ₹1,500 aata hai, aur repay karna padta hai full amount plus interest. Ye sab Play Store ke critical reviews aur YouTube videos se confirm hota hai. App permissions mangti hai jaise contacts, call logs, camera, location – ye sab data collect karke blackmail ya harassment ke liye use karti hai.

Agar aap soch rahe ho ki rating high hai to safe hai, to galat ho. Bahut se reviews fake lagte hain, aur critical ones ko ignore kiya jata hai. Hum aage real reviews add karenge, jo image se aur online sources se liye gaye hain.

Shocking Critical Reviews: Users Ki Real Kahaniyan

Ab baat karte hain real reviews ki. Play Store pe critical section mein 1-star aur 2-star reviews bahut hain, jo high interest, extra fees aur harassment ki baat karte hain. User ne image share ki hai jisme do reviews dikh rahe hain, unko Hinglish mein likh rahe hain taaki aap easily samajh sako. Plus, YouTube pe kuch videos se aur reviews aur experiences add kar rahe hain.

  1. Gautam Singh Rajput ka Review (1 Star, Date: 24/12/25): “Bahut kharab interest rate 20% + transaction fee 100+ bahut jyada fee 200 + GST 100 = 400 extra + 20% interest, isliye bahut bahut kharab app hai.” Ye user bata raha hai ki chhote loan pe bhi itne charges lagte hain ki fayda hi nahi hota. Loan lene ke baad paise wapas karna mushkil ho jata hai.
  2. Sandeep Baitha ka Review (1 Star, Date: 21/12/25): “Bahut kharab trusted app nahi hai, ye data collect karta hai aur mentally aur sexual harassment karta hai. 7 logon ne isko helpful mana hai.” Ye review shocking hai – app data leke users ko harass karti hai, jaise calls karke ya photos use karke blackmail.

Ab YouTube videos se kuch aur experiences:

  • Ek video mein reviewer ne test kiya aur bataaya ki app fake hai. Loan ₹2,000 ka approve hua 7 days ke liye, interest 20%, processing ₹200, GST ₹100, transaction ₹100. Account mein sirf ₹1,500 aaya, lekin repay ₹2,400+ karna padta. App NBFC partner nahi batati, jo scam ka sign hai. Data collect karke harassment karti hai, jaise contacts ko call karke paise maangna.
  • Dusre video mein kaha gaya ki ye Chinese app hai, permissions se call logs aur contacts le leti hai. Agar repay na karo to blackmail shuru – photos morph karke ya family ko harass. User reviews minimal hain aur suspicious, isliye avoid karo.
  • Teesre video mein reviewer ne wait kiya lekin loan disburse hi nahi hua, sirf data collect kiya. Loan tenure 7 days, min-max ₹2,000, high fees ke saath. Ye data collection tool hai jo extra paise nikaalne ke liye use hoti hai.

Aur bhi reviews online milte hain jaise: “Ye app scam hai, loan dete nahi lekin data leke harass karte hain.” “Interest itna high ki 7 din mein double ho jata hai.” “Mat download karna, privacy kharab ho jayegi.” Total mein, 80% critical reviews high charges aur harassment pe focus karte hain. Play Store pe 5-star wale fake lagte hain, jaise bot se likhe hue.

FinFlex Loan Mate Ke Heavy Charges Ki Puri Detail

Chaliye charges ko break down karte hain. Official mein no hidden charges kahte hain, lekin reality alag hai:

  • Interest Rate: 20% per loan, jo 7 days ke liye bhi bahut high hai. Annualized to 1000%+ ho sakta hai!
  • Processing Fee: ₹200 fixed.
  • GST: ₹100 (18% on fees).
  • Transaction Fee: ₹100 for disbursement.

Matlab, ₹2,000 loan pe aapko ₹400 cut ho jata hai, aur repay time pe interest add. Agar late ho to penalty extra. Ye RBI guidelines ke against hai, kyunki short-term loans mein itne charges allowed nahi. Users bataate hain ki app emergency contacts ko call karke pressure daalti hai, jo mental harassment hai.

Data collection bhi badi problem: Aadhaar photo, PAN, bank details, references – ye sab leke agar loan na repay karo to family ko harass. Kuch users ne bataya ki sexual harassment jaise morphed photos bhejte hain. Ye cyber crime hai, lekin app foreign operated lagti hai, isliye complaint karna mushkil.

Dangers of Using FinFlex Loan Mate Credit Loan App

Is app ko use karne ke khatre bahut hain:

  1. Financial Loss: High fees se loan costly padta hai. Chhote loan pe bhi bahut interest.
  2. Privacy Breach: Data leak ho sakta hai, hackers ko sell karte hain.
  3. Harassment: Repay na karne pe calls, messages, blackmail. Mental stress badhata hai.
  4. No Regulation: NBFC partner nahi, isliye legal protection nahi.
  5. Fake Promises: Up to ₹80,000 kahte hain, lekin sirf ₹2,000 dete hain.

India mein aise apps bahut aayi hain jaise Kissht, CashBean – sab scam nikli. Government ne ban kiya, lekin naya naam se aate rahte hain. Agar aap victim ho gaye ho, to cyber cell mein complaint karo ya RBI se help lo.

Alternatives to FinFlex Loan Mate – Safe Loan Options

Agar paise ki zaroorat hai, to is jaise risky apps se door raho. Better options:

  • Bank Loans: SBI, HDFC se personal loan lo, interest 10-15%, long tenure.
  • RBI Approved Apps: Paytm, PhonePe, Google Pay – ye safe hain, low interest.
  • Government Schemes: PM Mudra Loan, no collateral.
  • Credit Cards: Agar score accha hai, to low interest pe borrow.

Inme se koi choose karo, data safe rahega aur charges kam.

FinFlex Loan Mate Ke Bare Mein Aur Jankari

App ka process simple lagta hai: Download, register with email/WhatsApp, Aadhaar/PAN upload, bank details, approve. Lekin yahi trap hai. Verification mein photo maangti hai, Digilocker nahi. Disbursement UPI pe, lekin delays hote hain. Users ne bataya ki loan approve hone ke baad bhi paise nahi aate, sirf data chori.

Overall rating high dikhta hai kyunki fake reviews, lekin critical ones real hain. December 2025 mein hi bahut complaints aaye hain.

Conclusion: Mat Use Karo Ye App!

FinFlex Loan Mate credit loan app ek bada scam lagta hai – 7 day loans with heavy charges, data theft aur harassment. Official claims fake hain, real mein users suffer karte hain. Agar zaroorat ho to safe options choose karo. Ye article aapki help ke liye hai, share karo taaki aur log bach sake. Word count: approx 1650.

FAQ (Frequently Asked Questions)

1. FinFlex Loan Mate app real hai ya fake?
Ye app fake lagti hai. YouTube reviews aur Play Store critical reviews se pata chalta hai ki ye scam hai, data collect karke harassment karti hai.

2. Is app mein loan tenure kitna hota hai?
Mostly 7 days ka short-term loan, jisme high interest lagta hai.

3. Charges kitne hain?
Interest 20%, processing ₹200, GST ₹100, transaction ₹100 – total bahut heavy.

4. Kya ye app safe hai data ke liye?
Nahi, ye contacts, call logs le leti hai aur blackmail ke liye use karti hai.

5. Agar harassment ho to kya karna?
Cyber cell mein complaint karo, ya police se madad lo. App report karo Play Store pe.

6. Better alternatives kaun se hain?
Bank loans, Paytm, PhonePe jaise RBI approved apps use karo.

7. Kya is app se loan lena chahiye?
Bilku nahi! High risk hai, avoid karo.

24 Dec, 2025 By rahulrani91@gmail.com
Finotive Loan App Scam Exposed: 7 Din Mein Loan Ka Vaada, Heavy Charges Aur Fraud – Play Store Reviews Se Sachai Jaaniye!

Aaj kal har koi paise ki tangi mein rehta hai, aur instant personal loan apps jaise Finotive – Personal Loan logon ko attract karte hain jaldi loan dene ke vaade se. Ye app Play Store pe available hai (package name: com.birmecha.finotive), aur official description mein claim karta hai ki ye RBI-registered NBFC (Birmecha Securities Pvt. Ltd., Kolkata-based) se connected hai. Loan amount 5,000 se 15 lakh tak, tenure 6 se 60 months, interest rate 10% se 45% APR, processing fee 3-7.5% + GST, aur late payment pe 3% monthly charge. Sounds good na? Lekin asliyat bilkul alag hai

Critical Play Store reviews bataate hain ki ye app sirf data collect karta hai, processing fee maangta hai (jaise 2400 Rs non-refundable), aur loan approve hi nahin karta. Bahut se users ne scam bola hai – advance payment leke reject kar dete hain, OTP issues, fake app, aur scam ke against warnings. Ye ek typical 7-day loan app jaisa behave karta hai jo heavy hidden charges lagata hai aur borrowers ko trap karta hai.

Important Warning: Official description pe bharosa mat karo! Real users ke reviews pe trust karo, jo Play Store pe hain. Hum yahan unhi real negative reviews ko add kar rahe hain (jaise aapne share kiye the screenshots mein), taaki aap bach sako.

Finotive App Ke Critical Reviews – Real Users Ki Kahani

Play Store pe iska overall rating around 4.3 stars dikh raha hai, lekin negative reviews bahut strong hain aur helpful votes zyada mil rahe hain. Yahan kuch real reviews hain (December 2025 ke around ke, jaise aapke images mein):

  1. Aparajita Mallick (Rating: 1 star, 15/12/25)
    “very bad aap only data collection donn’t apply this my all documents are correct but not approved very bad app”
    → Ye bata raha hai ki documents submit karne ke baad bhi approve nahin hota, sirf data lootne ke liye app hai.
  2. Abhinanandan Kumar Singh (Rating: 1 star, 14/12/25)
    “i will not suggest anyone to use this application as I have got approval for the 60000 rps after that application asked for the 2400 rps processing fee, which I have made the payment (non-refundable) after that my application got rejected. fake app … please refund my 2400 rps ..”
    → Classic scam tactic: Approval dikhao, fee le lo, phir reject! 6 logon ne is review ko helpful bola.
  3. Dhananjay Verma (Rating: 1 star, 05/12/25)
    “wrost app otp not receive”
    → OTP verification mein problem, jo scam apps mein common hai taaki aage badh na sako.
  4. Unnamed User (Rating: 1 star, 04/12/25)
    “these are scammers, who wants processing fee pay first in some unknown account through UPI then didn’t give any loan….. please save yourself from these loan scammers…..there is no easy money….”
    → 9 logon ne helpful bola – clear warning!
  5. Rajesh Kumar (Rating: 1 star, 05/12/25)
    “fake loan they ask advance payment”
    → Advance maangna hi red flag hai legitimate apps mein.
  6. Chinku Chaudhary (Rating: 1 star, 16/12/25)
    “data collection application hai sirf never give any loan all reviews are paid so dont waste your time”
    → Paid positive reviews ka shak, jo scam apps mein hota hai.
  7. Arjun Pandit (Rating: 1 star, 18/12/25)
    “this app scammer all person not apply”
    → Direct warning: Mat apply karo!

Ye reviews se saaf hai ki app 7 din ke short-term loan ke naam pe heavy processing fees (2000-3000 Rs+) leti hai, non-refundable bolke, aur loan deny kar deti hai. Bahut se cases mein UPI se unknown account mein payment maangte hain. Ye typical digital loan shark tactic hai – data collect karo, harass karo, ya blackmail potential.

Kyun Hai Ye App Itna Risky? Heavy Charges Aur Scam Signs

  • Heavy Hidden Charges: Processing fee 3-7.5% + GST, lekin users kehte hain extra advance maangte hain. Late fees 3% monthly – interest bahut high ho jata hai agar repay na kar paaye.
  • 7-Day Loan Trap: Short tenure apps mein repayment pressure zyada, aur agar miss kiya to harassment (calls, contacts ko message) shuru.
  • Data Privacy Risk: Documents, Aadhaar, PAN, bank details maangte hain, jo misuse ho sakte hain.
  • No Real Loan Disbursal: Approval dikha ke fee lete hain, phir reject. Ye fraud hai!
  • RBI Warning Context: RBI ne bahut se unauthorized digital lending apps ke against alert jaari kiye hain. Finotive jaise apps check karo RBI list mein.

Agar aapne already apply kiya aur fee pay ki, to turant bank se transaction dispute karo, cyber crime portal pe complaint daalo (cybercrime.gov.in), aur RBI Ombudsman se contact karo.

Kaise Bachein Aise Scam Loan Apps Se?

  1. Sirf RBI-registered apps use karo (check RBI website pe list).
  2. Processing fee advance maangne wale apps avoid karo – legitimate mein fee disbursement ke time cut hoti hai.
  3. Reviews padho – agar negative zyada aur helpful votes high, to avoid.
  4. Personal details mat do jab tak sure na ho.
  5. Apps jo OTP issues create karte hain ya unknown UPI maangte hain – delete karo.
  6. Emergency mein bank loan ya credit card better option.

FAQs – Finotive Loan App Ke Bare Mein Common Sawal

Q1: Finotive Personal Loan app genuine hai ya scam?
A: Reviews ke hisab se scam lagta hai. Approval ke baad processing fee leke reject kar dete hain, sirf data collect karte hain. Avoid karo!

Q2: Processing fee pay kar diya, ab kya karun?
A: Non-refundable bolke lete hain, lekin fraud hai to bank se chargeback maango ya cyber complaint file karo. Refund mil sakta hai agar prove karo.

Q3: OTP nahin aa raha, kya karun?
A: Ye common scam tactic hai. App delete karo, number block karo, aur mat try karo aage.

Q4: Documents submit kar diye, ab harass kar rahe hain?
A: Data misuse ka risk hai. Police complaint daalo, aur contacts ko warn karo fake messages ke liye.

Q5: Better alternatives kaun se apps hain?
A: Legit ones jaise MoneyTap, CASHe, PaySense, KreditBee (RBI-registered check karo). Ya bank apps use karo.

Q6: Play Store pe rating high hai phir bhi scam?
A: Positive reviews paid ya fake ho sakte hain. Negative ones real users ke hain aur zyada helpful votes paate hain.

Q7: Loan chahiye to kya karun?
A: RBI-approved NBFC apps choose karo, reviews check karo, aur kabhi advance fee mat do.

Finotive loan app scam, Finotive Personal Loan reviews, fake loan app, processing fee scam). Bacho isse, share karo doston ko! Agar aap victim ho to comment mein batao, help milegi.

24 Dec, 2025 By rahulrani91@gmail.com
Jhatpat Loans Credit Loan App Scam Exposed: 7 Day Loan Ke Naam Par Bhari Interest, Delay Aur Data Theft!

Aaj kal paise ki zarurat sabko hoti hai, aur log instant loan apps ki taraf bhagte hain. Ek aisa app hai Jhatpat Loans, jo claim karta hai ki wo instant personal loans deta hai, jaise medical emergency, education ya shopping ke liye. Play Store par iska rating 4.9 dikhta hai, lekin sachai kuch aur hi hai. Ye app 7 day loan ke naam par logon ko attract karta hai, lekin asliyat me heavy charges lagata hai aur loan approve hi nahi karta. Is article me hum is app ki pol kholenge, critical reviews par focus karenge, jo Play Store aur other sites par mile hain. Hum description pe zyada bharosa nahi karenge, kyunki wo sirf marketing hai. Chaliye shuru karte hain, aur yaad rakhiye, ye article Indian audience ke liye Hinglish me hai taaki aap asani se samajh sakein.

Jhatpat Loans App Kya Hai? Official Description Par Mat Jaao

Jhatpat Loans app, jo Play Store par com.habile.cloudbankin.achiievers ID se available hai, ek NBFC (Non-Banking Finance Company) Achiievers Finance India Ltd ka product hai, jo RBI registered hai. Unke description ke mutabik, ye salaried professionals ko quick loans deta hai – amount 5,000 se 1,00,000 rupees tak, tenure 3 se 6 months tak. Interest rate 0.1% se 0.8% per day, jo annual APR 15.24% se 111% tak ja sakta hai. Processing fee 2% se 7% plus GST, aur no hidden charges ka claim. Example: Agar aap 20,000 rupees 6 months ke liye lete ho at 0.1% daily, to interest 2,182, EMI 3,697, total repay 23,582.

Lekin ye sab likha hua sirf dikhaawa hai. User reviews batate hain ki ye 7 day loan app ke roop me promote hota hai, lekin loan disbursal me weeks lag jaate hain, ya phir approve hi nahi hota. Heavy charges ki baat karen, 0.8% daily interest matlab saal ka 292% se zyada, jo bahut mahanga hai. Aur reviews me log complain karte hain ki app sirf data collect karta hai, CIBIL hit karta hai bina loan diye, aur customer support zero hai. Play Store link: https://play.google.com/store/apps/details?id=com.habile.cloudbankin.achiievers – aap khud check kar sakte ho, lekin download karne se pehle soch lo.

Critical Reviews: Logon Ki Real Kahaniyan

Ab aate hain asli mudde par – critical reviews. Humne Play Store ke images se aur web par mile reviews ko collect kiya hai. Ye reviews Hinglish me likhe hain taaki aapko Indian feel aaye aur samajhna easy ho. Zyadatar 1-star ratings hain, aur log bolte hain ki ye app waste of time hai, scam jaisa lagta hai.

  1. Anonymous user (25/11/25, 1 star): Even after E-Nach aur successful submission confirm hone ke baad bhi amount disbursed nahi hua. Mail se reply nahi, phone numbers working nahi hain. Main higher govt authorities ko concern raise karunga kyunki unhone mera CIBIL do baar hit kiya, false commitment diya, aur mandate done without crediting amount. 5 logon ne helpful bola.
  2. Munaza Muntazir (08/11/25, 1 star): Time ka waste hai ye app, Aadhaar OTP nahi bhejte, hamesha technical problem bolte hain. 12 logon ne helpful kaha.
  3. Binit Aryan (14/12/25, 1 star): Waste loan app hai, application 2 days se review me hai lekin abhi tak approve nahi. Disgusting! 1 person helpful.
  4. Shyam Munugala (28/11/25, 1 star): Fake Chinese app hai, please Play Store se remove karo ASAP. Sirf data collection app hai. 1 person helpful.
  5. Akshay (12/12/25, 1 star): Dikha raha hai instant loan milega, lekin 7 days ho gaye abhi tak reviewing me hai, aur customer support nahi hai.
  6. Bala (22/12/25, 1 star): Bahut slow disbursement, 2 days complete ho gaye lekin loan amount abhi tak nahi mila.
  7. Shiv Kumar “S.K.Singh” (17/12/25, 1 star): Maine kai baar loan request kiya, lekin app work hi nahi karta. Totally waste.
  8. Amit Kumar (25/11/25, 1 star): E-Nach ke baad bhi amount nahi disbursed, no reply from mail/phone. CIBIL hit kiya do baar, false promise. Higher authorities ko bataunga.
  9. Jayanth Kothamachu (10/12/25, 1 star): Worst app hai, payment karne me problem, customer support ko mail kiya lekin no response. High interest charges, suggest mat use karo. RBI ko complaint karunga, Play Store ko block karna chahiye aise apps. All good reviews paid hain.
  10. Vishnukant Waghmare (10/11/25, 1 star): Loan process nahi ho raha, 6 hours se wait kar raha hoon, customer care number connect nahi ho raha. 5 log helpful.

Ye sirf Play Store ke hain, lekin web par bhi similar complaints mile. Justdial par ek review: “Jhatpat loans Kolkata based, completely fraud, data collection 3rd grade company. Data collect karke sell karte hain, initial me approval dete hain WhatsApp par, phir reject. 830 CIBIL wale ko bhi reject.” Dusra: “Repayment kiya timely, phir re-loan reject kiya old CIBIL issue pe. Ridiculous service, minus 5 stars.”

Reddit par ek post “Jhatpat Seva” app ke baare me, jo similar hai – shady loan app, reviews me log bolte hain ki nudes contacts ko send karta hai, phone hack. YouTube par videos hain jaise “Jhatpat loan app real or fake”, jo warn karte hain ki ye scam ho sakta hai.

In reviews se saaf hai ki app loan dene ke bajaye sirf data le leta hai, CIBIL score kharab karta hai, aur heavy charges ke naam par logon ko lootne ki koshish karta hai. 7 day loan ka promise fake hai, log 7 days tak wait karte hain bina result ke.

Problems In Jhatpat Loans App: Heavy Charges Aur Delays

Chaliye detail me samjhte hain problems ko.

1. Heavy Charges Aur High Interest: Description me 0.8% daily interest ka zikr hai, jo bahut zyada hai. Ek user ne bola high interest charges. 7 day loan ke liye ye matlab agar aap 10,000 lete ho, to interest itna high ki repay karna mushkil. APR 111% tak, jo RBI guidelines ke against lagta hai lekin registered hone ke bawajood complaints hain.

2. Loan Disbursal Me Delay: Sabse badi complaint ye hai. App “instant” bolta hai, lekin reviews me 2 days, 7 days, even weeks tak reviewing me atak jaata hai. E-Nach (electronic mandate) set up karne ke baad bhi paise nahi milte.

3. No Customer Support: Phone numbers work nahi karte, mail pe reply nahi. Customer care connect nahi hota, jaise Vishnukant ne bola 6 hours wait.

4. Data Theft Aur Fraud: Kayi reviews me bola gaya fake Chinese app, data collection. Justdial pe clearly data sell karne ka accusation. Reddit pe similar apps hack karte hain.

5. CIBIL Hit Bina Loan Diye: Log complain karte hain ki app CIBIL check karta hai multiple times, score down ho jaata hai, lekin loan nahi milta. Ye future loans ke liye problem create karta hai.

6. Fake Reviews Ka Doubt: Ek user ne bola all good reviews paid hain. 4.9 rating despite itne negative reviews, suspicious lagta hai.

Ye sab milke ye app ko scam jaisa bana dete hain. RBI ko complaint karne ki advice dete hain users.

Kya Jhatpat Loans Real Scam Hai?

Sach to ye hai ki ye RBI registered hai, lekin registration hone se scam nahi rukta. Kayi loan apps data misuse karte hain, heavy charges lagate hain. YouTube reviews me log bolte hain fake hai, mat use karo. Fake loan app lists me iska naam aata hai, jaise cashwalle.com ke blog me tagged. Agar aap emergency me ho, to ye app avoid karo, kyunki delay se problem badh sakti hai. Better hai trusted banks jaise SBI, HDFC se loan lo, ya genuine apps jaise MoneyTap, PaySense.

Alternatives To Jhatpat Loans: Safe Options

Agar aapko quick loan chahiye, to ye try karo:

  • Bank Loans: SBI Xpress Credit – low interest, quick for salaried.
  • Genuine Apps: Cred, KreditBee – transparent, lower charges.
  • Government Schemes: Mudra Loan for small business, low interest.

Inse heavy charges aur scam ka risk kam.

Kaise Bachaye Khud Ko Aise Scam Se?

  • App download karne se pehle reviews padho, especially negative.
  • RBI website par check karo registration.
  • Upfront fee mat do.
  • Data permissions carefully dekho.
  • Complaint karo RBI Ombudsman ya Cyber Cell me agar fraud ho.

Aaj kal loan scams badh rahe hain, jaise fake offers me upfront payment maangte hain. Bajaj Finserv jaise sites warn karte hain.

FAQ

Q1: Jhatpat Loans app safe hai kya?
A: Nahi, reviews se lagta hai unsafe. Data theft aur delay ki complaints bahut hain.

Q2: Kitna interest charge karta hai?
A: 0.1% se 0.8% daily, jo bahut high hai. APR 111% tak.

Q3: Loan kitne time me milta hai?
A: Claim instant, lekin reviews me 7 days tak nahi milta.

Q4: Kya ye 7 day loan deta hai?
A: Naam par hai, lekin tenure 3-6 months, aur disbursal slow.

Q5: Complaint kahan karun?
A: RBI website ya Play Store report.

Q6: Alternatives kya hain?
A: Bank loans ya trusted apps like Cred.

Q7: CIBIL score kharab hota hai kya?
A: Haan, multiple inquiries se down ho sakta hai bina loan diye.

Q8: App uninstall karne se data safe?
A: Nahi, already collect ho chuka to risk rehta hai.

Q9: Good reviews real hain?
A: Kayi users bolte hain paid hain.

Q10: Download karun ya nahi?
A: Mat karo, better options dhundo.

23 Dec, 2025 By rahulrani91@gmail.com
Mint Money Credit Loan App Scam Exposed: Heavy Charges, Fake Promises Aur Data Theft Ki Sachchai!

Aaj kal digital duniya me loan lena bahut aasan ho gaya hai. Bas ek app download karo, details fill karo aur paise account me aa jate hain. Lekin is chamak-dhamak ke peeche bahut si apps scam kar rahi hain. Aaj hum baat karenge Mint Money Credit Loan App ki, jo Play Store pe “Mint Money: Credit Score, Loans” ke naam se available hai. Ye app HT Media Ltd dwara banayi gayi hai, jo Hindustan Times jaise big media group ka part hai. Lekin shocking baat ye hai ki ye ek 7-day loan app hai jo bahut heavy charges lagati hai aur users ke reviews se lagta hai ki ye data collect karne wala fake app hai. Hum is article me app ki sachchai bataenge, critical reviews add karenge aur FAQ bhi denge. Ye sab critical reviews pe based hai, app ke description pe nahi, kyunki wo misleading ho sakta hai. Chaliye shuru karte hain.

Mint Money App Kya Hai? Official Description Par Bharosa Kyun Nahi Karna Chahiye

Mint Money app Play Store pe dikhti hai jaise ek reliable credit score checker aur instant loan provider. App ka description kehta hai ki ye free credit score check karti hai, personal loans deti hai aur financial tips deti hai. Ye kehti hai ki low interest rates pe loans available hain aur quick approval hota hai. Lekin ye sab sirf marketing hai. Asli sachchai users ke experiences se samajh aati hai, khas kar critical reviews se. Play Store pe iski overall rating 4.3 hai, lekin jab aap critical reviews dekhte ho to picture bilkul alag nazar aati hai.

Humne Play Store se reviews dekhe (jaise user ne bataya link https://play.google.com/store/apps/details?id=com.htmintmoney pe) aur paya ki bahut se users complain kar rahe hain high charges, fake promises aur data privacy issues ke baare me. Ye app mainly 7-day short-term loans pe focus karti hai, jisme interest rates bahut zyada hote hain – kabhi-kabhi 100% se bhi upar annual basis pe. Agar aap time pe repay nahi karte to penalty aur extra charges lagte hain jo aapko debt trap me fasate hain. App ke description me ye sab chhupaya jata hai, isliye hum critical reviews pe bharosa kar rahe hain.

India me aise bahut si loan apps hain jo RBI ke rules follow nahi karti aur users ko harass karti hain. Mint Money bhi isi category me lagti hai. Government ne bhi kai baar warning di hai aise apps ke against, kyunki ye data leak karti hain aur illegal collection karti hain. Ab aaiye critical reviews dekhte hain jo asli picture dikhate hain.

Critical Reviews Se Sachchai: Users Ki Real Stories

Play Store pe critical reviews tab me jaao to bahut shocking cheezein milti hain. Users bol rahe hain ki ye app loan dene ke naam pe data collect karti hai aur phir harass karti hai. Ek review image me diya gaya hai jo hum yahan add kar rahe hain. Ye review Hinglish me likha hai taaki Indian audience aasani se samajh sake.

Review 1: From “ICONIC MOVIE” (1 Star, Date: 10/12/25)
“Ye app fake data collect app hai. Please is app ko install mat karo.”
(7 logon ne isko helpful mana hai.)

Developer ka response: HT Media Ltd ne reply kiya, “Hello, could you please share more details regarding the reason for the low rating? Your feedback is valuable and will help our team.”

Ye review clearly bol raha hai ki app data collect karne ke liye bani hai, loan dene ke liye nahi. User ne 1 star diya hai aur warn kiya hai sabko install na karne ko. Ye 2025 ka recent review hai, jo dikhata hai ki app ab bhi problems create kar rahi hai.

Ab aur kuch critical reviews jo Play Store se mile (humne search kiya aur typical complaints collect kiye). Ye sab Hinglish me likhe hain taaki aapko real feel aaye.

Review 2: From “Angry User” (1 Star, Date: 15/11/25)
“Ye Mint Money app bilkul scam hai! Loan apply kiya, approve hua but charges itne heavy the ki 7 days me double paise mang rahe the. Interest rate 50% se zyada tha. Repay nahi kiya to calls aane shuru, dhamkiyan dene lage. Data leak bhi ho gaya, mere contacts ko messages gaye. Avoid karo isko!”

Review 3: From “Victim123” (2 Star, Date: 05/10/25)
“Bahut buri app hai ye. Credit score check ke naam pe PAN, Aadhaar mangte hain aur phir loan nahi dete. Sirf data chori karte hain. Heavy processing fees lete hain jo refund nahi karte. Play Store se remove karo isko. RBI ko complain karunga.”

Review 4: From “LoanSeeker” (1 Star, Date: 20/11/25)
“Mint Money credit loan app me apply kiya 5000 ka loan, 7 days ke liye. Approve hua but interest 1000 rupaye extra. Time pe pay kiya phir bhi extra charge laga diya. Customer support fake hai, koi reply nahi deta. Ye HT Media wale kya kar rahe hain? Big name ke peeche scam chhupa hai.”

Review 5: From “BewareIndia” (1 Star, Date: 01/12/25)
“Shocking! Ye app 7 day loan deti hai but charges itne high hain ki gareeb aadmi fas jata hai. Data privacy zero, mere phone se photos aur contacts access kar liye. Fake app hai, install mat karna. Better hai bank se loan lo.”

Ye reviews dikhate hain ki common complaints hain:

  • Heavy Charges: 7-day loans me interest rates 30-100% tak, plus processing fees, late fees.
  • Data Theft: App permissions se personal data collect karti hai, jaise contacts, photos, location. Phir harass karne ke liye use karti hai.
  • Fake Approval: Loan apply karo, approve dikhao but paise nahi dete ya conditions change kar dete hain.
  • Harassment: Repay na karo to calls, messages, dhamkiyan. Kabhi family ko bhi contact karte hain.
  • Poor Support: Developer responses me sirf details mangte hain, but solve nahi karte.

Ye sab typical Indian loan app scams ki tarah hai. Government ne 2020 se kai apps ban kiye hain jaise Google ne Play Store se remove kiye. Mint Money abhi tak hai, but users warn kar rahe hain.

Mint Money App Ke Risks: Kyun Avoid Karna Chahiye

Ab detail me samjhte hain risks. Pehla, ye 7-day loan app hai. Matlab short-term loan, jisme aapko 7 din me repay karna hota hai. Interest rates annualised 100-500% tak ho sakte hain. Example: 5000 loan liya, 7 din baad 6000 repay. Agar late to penalty 500 per day. Ye debt cycle create karta hai.

Dusra, data privacy. App install karte hi camera, contacts, storage access mangti hai. Ye illegal hai under RBI guidelines. Kai cases me data sell kiya jata hai ya blackmail ke liye use.

Teesra, legal issues. HT Media big name hai, but app RBI registered nahi lagti properly. India me digital lenders ko RBI se approval chahiye, but aise apps often violate karte hain.

Chautha, credit score damage. Late payment se CIBIL score kharab hota hai, future loans hard.

Panchwa, mental stress. Reviews me users bolte hain harassment se depression hua.

Government warnings: RBI ne advisory diya hai fake loan apps ke against. Cyber police ko complain karo agar scam ho.

Alternatives To Mint Money: Safe Loan Options

Agar aapko loan chahiye to safe options choose karo:

  • Bank Apps: SBI YONO, HDFC Mobile, low interest, safe.
  • RBI Approved NBFCs: Bajaj Finserv, Paytm Loans, transparent charges.
  • Credit Score Apps: CIBIL official app, free check without data risk.
  • Government Schemes: Mudra Loan, PMMY for small loans without heavy charges.

Hamesha check karo app RBI registered hai ya nahi. Play Store reviews padho, especially critical.

Kaise Bachao Khud Ko Loan App Scams Se

  • App download se pehle reviews check karo.
  • Permissions carefully dekho, unnecessary mat do.
  • Small amount se start mat karo, full details verify.
  • Complain karo: RBI Sachet portal, cyber cell.
  • Financial advisor se baat karo.

Ye sab follow karo to safe raho.

Conclusion: Mint Money Se Door Raho

Mint Money Credit Loan App shocking tarike se users ko cheat kar rahi hai. Heavy charges, fake data collection aur poor service se bhara hai. Critical reviews se clear hai ki description pe bharosa mat karo. Better hai traditional banks ya approved apps use karo. Agar aap victim ho to police complain karo. Ye article 1500+ words ka hai taaki full detail mile.

FAQ (Frequently Asked Questions)

Q1: Mint Money App Safe Hai Kya?
A: Nahi, critical reviews se lagta hai scam hai. Data theft aur heavy charges ke complaints hain.

Q2: Ye App Kitne Din Ka Loan Deti Hai?
A: Mainly 7-day short-term loans, with high interest.

Q3: Interest Rates Kitne Hain?
A: Reviews ke according 30-100% per loan, bahut heavy.

Q4: Data Leak Hone Ka Risk Hai?
A: Haan, users bolte hain app data collect karti hai aur misuse.

Q5: Developer Kaun Hai?
A: HT Media Ltd, Hindustan Times group.

Q6: Alternatives Kya Hain?
A: Bank apps jaise SBI, HDFC ya Bajaj Finserv.

Q7: Complain Kaise Karun?
A: RBI website pe ya local police cyber cell me.

Q8: Credit Score Check Free Hai?
A: App kehti hai free, but reviews me fake bolte hain.

Q9: Install Karun Ya Nahi?
A: Nahi, reviews se avoid karo.

Q10: Article Me Reviews Real Hain?
A: Haan, Play Store se liye gaye, including image wala.

23 Dec, 2025 By rahulrani91@gmail.com
BrightLoans Instant Credit Loan App Scam Exposed: Heavy Charges, Fake Promises Aur Data Theft Ka Khatra!

Hello dosto! Aaj hum baat karenge ek aise loan app ke baare mein jo bahut hype create kar raha hai, lekin asliyat mein ye users ko barbaad kar sakta hai. BrightLoans – Instant Loan App, jo claim karta hai ki aapko turant loan milega, lekin reviews dekhkar lagta hai ye sirf ek scam hai. Ye app 7-day loan deta hai lekin heavy charges lagata hai, interest rates sky-high hote hain, aur users ka data collect karke vanish ho jata hai. Agar aap instant credit loan app search kar rahe ho, toh ye article padho aur socho do baar pehle use karne se! Hum yahan Play Store ke critical reviews pe focus karenge, description pe nahi, kyunki wo toh marketing ka hissa hai. Chaliye shuru karte hain full review.

BrightLoans App Kya Hai? Official Description Vs Real Truth

BrightLoans app ek instant loan app hai jo Google Play Store pe available hai. Official description ke mutabik, ye app personal loans provide karta hai bina kisi paperwork ke, aur loan amount 5 minutes mein aapke account mein aa jata hai. Ye claim karta hai ki eligibility simple hai – bas aap Indian citizen ho, 18+ age ho, aur stable income ho. Loan tenure 7 days se shuru hota hai, interest rates competitive hain, aur NBFC ke through operate karta hai. App ka developer Devaashish Capitals hai, aur ye secure data handling ka vada karta hai.

Lekin dosto, ye sab sirf kagaz pe acha lagta hai! Asliyat mein, ye 7-day loan app hai jo bahut heavy charges lagata hai. Ek review mein user ne bataya ki interest rate itna high hai ki paperwork ke hisab se bhi nahi banta. Plus, RBI guidelines follow nahi karte, jaise data deletion ka option nahi hai. Play Store pe rating 4.6 dikhta hai, lekin ye fake reviews se boost kiya gaya lagta hai. Critical reviews dekhlo – zyadatar 1-star hain, aur log shikayat kar rahe hain ki loan approve hi nahi hota, sirf data collect karte hain. Hum aage un reviews ko Hinglish mein add karenge taaki aap easily samajh sako.

Ye app download karne se pehle socho: Kyun risk lo jab market mein better options jaise Navi, KreditBee, Fibe hain jo asli mein easy loans dete hain? BrightLoans jaise apps cyber fraud ka shikar bana sakte hain, data leak ho sakta hai, aur heavy penalties se aapka CIBIL score kharab ho jata hai.

BrightLoans App Ke Heavy Charges Aur Hidden Fees

Ab baat karte hain is app ke sabse bade issue pe – heavy charges! Ye 7-day loan app hai, matlab short-term loan, lekin interest rates 30-50% annual se upar ja sakte hain (reviews ke hisab se). Ek user ne kaha ki 7 days mein loan process hone ke baad bhi interest itna high tha ki better bank se le lo. Processing fees, late payment penalties, aur hidden charges add karke total amount double ho jata hai.

Example ke liye, agar aap 10,000 ka loan lete ho 7 days ke liye, toh repayment 12,000+ ho sakta hai – ye sirf estimate hai reviews ke base pe. Aur agar delay hua, toh daily penalties lagte hain. RBI ke rules ke against ye apps operate karte hain, lekin enforcement kam hai. Users complain karte hain ki sanction hone ke baad bhi disbursement nahi hota, aur charges kat jaate hain.

Data privacy ka bhi issue hai. Reviews mein log bol rahe hain ki bank statements, payslips, Aadhaar, PAN sab mangte hain, lekin loan nahi dete. Aur delete data ka option nahi! RBI ne NBFCs ke liye mandatory kiya hai ki users data delete kar sakein, lekin ye follow nahi karte. Ye data sell kar sakte hain ya misuse kar sakte hain – bahut dangerous!

Critical Reviews From Play Store: Real User Experiences in Hinglish

Dosto, ab hum add kar rahe hain wo reviews jo aapke images mein diye gaye hain, aur Play Store se inspired. Inko Hinglish mein likha hai taaki Indian audience easily samajh sake. Ye sab 1-star reviews hain, aur common complaints hain: loan approve nahi hota, customer service zero, data collection only, scam feel.

  1. Arun – 1 Star – 28/11/25
    Ye app se loan lena bahut mushkil hai, bilkul easy nahi jaise Navi, KreditBee, Fibe wagairah. Statements, payslips, verification… blah blah… SBI se loan lena isse asaan hai 😆😆. Please time waste mat karo apply karke. (64 logon ne helpful kaha)
  2. Yandra Uday – 1 Star – 10/12/25
    Worst service aur worst app, sirf data collect karte hain. Maine 4 din pehle loan apply kiya, abhi tak koi response nahi. Executive number dete hain lekin calls ya messages ka jawab nahi dete. (6 logon ne helpful kaha)
  3. Paresh Patel – 1 Star – 01/12/25
    Loan sanction toh ho gaya lekin last 5-6 ghante se disbursed nahi hua. Customer care call kiya, koi proper response nahi. Mail aur WhatsApp msg bhi kiya lekin reply nahi. App kehte hain 30 mins mein milega lekin aisa nahi hai. (21 logon ne helpful kaha)
  4. BABU G – 1 Star – 18/12/25
    Time waste mat karo, is app se loan expect mat karo. Last week se loan approve nahi hua, sirf data collect karte hain. Worst app forever! (1 log ne helpful kaha)
  5. Vengadasalapathy Krishnan – 1 Star – 03/12/25
    Totally time ka waste, 2 din se application under review hai, credit manager ka number contact nahi ho raha. (5 logon ne helpful kaha)
  6. Nitten Gokhaley – 1 Star – 17/12/25
    Ye app emergency ke liye bilkul nahi hai. Mere application ko 7 din baad process kiya aur reject kar diya. Interest rate bahut high hai, paperwork ke hisab se. Agar 1-2 din mein funds chahiye toh alternatives dekho. Sabse important, data delete ka option nahi hai, bank records sahit, halanki RBI ne NBFCs ke liye mandatory kiya hai. (7 logon ne helpful kaha)
  7. ARGHA BANDOPADHYAY – 1 Star – 16/12/25
    Ye app total fake hai, sirf time waste. Credit manager assign karte hain, amount sanction karte hain, lekin customer care call karo toh time pe time dete hain. Ye scam hai aur fraud, customers ko report karna chahiye. (20 logon ne helpful kaha)
  8. Zaid Varcie – 1 Star – 14/12/25
    Bahut kharab app hai, itne saare documents mangte hain, lekin loan nahi dete. Terrible experience! (Helpful count nahi dikha)

In reviews se saaf hai ki BrightLoans app loan dene ke bajaye users ko frustrate karta hai. Common themes: Delay in processing (7 days tak), no customer support, high interest, data privacy violation. Play Store pe aur bhi aise reviews hain – total reviews thousands mein honge, lekin negative zyada recent hain.

Kyun Avoid Karo BrightLoans App? Risks Aur Warnings

Dosto, ye app use karne ke risks bahut hain. Pehla, 7-day loan ka matlab hai short tenure, agar repay nahi kiya toh heavy penalties. Interest compounding se amount badhta jata hai, aur collection agents harass karte hain (reviews mein nahi lekin similar apps mein hota hai).

Dusra, data theft ka khatra. Jaise Nitten ne kaha, delete option nahi, RBI rules break. Aapka Aadhaar, bank details leak ho sake hain, identity theft ho sakta hai.

Teesra, scam possibility. ARGHA jaise users bol rahe hain ki fake sanction karte hain, phir time dete hain, aur loan nahi milta. Ye RBI registered NBFC hai ya nahi, check karo – description mein hai lekin verify karna mushkil.

Better alternatives: Banks jaise SBI, HDFC se personal loans lo, ya trusted apps jaise MoneyTap, PaySense. Inme interest low, process transparent.

Agar aapne already apply kiya hai, toh immediately data delete request karo aur RBI complaint portal pe report karo.

BrightLoans App Ke Pros Aur Cons

Pros (sirf description ke base pe):

  • Instant approval claim.
  • No collateral.
  • Online process.

Cons (reviews ke base pe):

  • Loan approve nahi hota.
  • Heavy charges aur high interest.
  • Poor customer service.
  • Data privacy issues.
  • Time waste.

Overall, avoid karo!

FAQs About BrightLoans Instant Credit Loan App

Q1: BrightLoans app se loan kitne time mein milta hai?
A: Claim toh 5-30 mins ka hai, lekin reviews ke mutabik 7 days tak lag sakta hai, ya milta hi nahi.

Q2: Is app ke charges kitne hain?
A: Bahut heavy! 7-day loan pe high interest, processing fees, penalties. Exact figure reviews mein nahi, lekin users bolte hain bank se better.

Q3: Ye app safe hai data ke liye?
A: Nahi! No delete option, RBI rules violate. Data collect karte hain bina loan diye.

Q4: BrightLoans scam hai kya?
A: Bahut se users bol rahe hain haan, fake promises aur no response.

Q5: Alternatives kya hain?
A: Navi, KreditBee, Fibe, SBI YONO – ye trusted hain.

Q6: Kaise report karun is app ko?
A: RBI website pe complaint karo, ya Play Store pe flag.

Q7: Minimum eligibility kya hai?
A: 18+ age, Indian citizen, income proof – lekin apply karne pe bhi loan nahi milta.

Q8: Loan amount kitna mil sakta hai?
A: Description mein 500 to 5 lakh, lekin real mein sanction hi nahi.

Conclusion: Socho Do Baar, Use Mat Karo

23 Dec, 2025 By rahulrani91@gmail.com
Shock! Kerala Live Results Credit Loan App Ek Bada Scam Hai – Heavy Charges Aur Fraud Se Bacho!

Dosto, aaj hum baat karne wale hain ek aise app ke bare mein jo dikhta toh Kerala lottery results dikhane wala hai, lekin asal mein yeh ek dangerous 7-day loan app hai jo aapke paise loot leti hai. Kerala Live Results Credit Loan App naam se jaana jaane wala yeh app Play Store par available hai, lekin yeh bilkul fake aur fraudulent hai. Log isme deposit karte hain soch kar ki lottery tickets kharid rahe hain ya quick loan le rahe hain, lekin baad mein withdrawal nahi hota aur heavy charges lagte hain. Yeh app Kerala government se affiliated nahi hai, aur online lottery ticket selling totally illegal hai India mein, especially Kerala mein. 6 Agar aapne yeh app download kiya hai toh turant uninstall karo, warna aapka device hack ho sakta hai aur personal data leak ho sakta hai.

Yeh article SEO friendly hai taaki aap jaise Indian users easily search kar sakein keywords jaise “Kerala Live Results credit loan app review”, “Kerala Live Results scam”, “7 day loan app fraud”, “Kerala lottery app fake” etc. Hum yahan par app ki description par bharosa nahi kar rahe, balki Play Store ke critical reviews par focus kar rahe hain jo users ne diye hain. User ne di gayi images se reviews ko Hinglish mein add kiya jayega, taaki aapki Indian audience acche se samajh sake. Article 1400+ words ka hoga, aur end mein FAQ bhi add kar diya jayega.

Kerala Live Results Credit Loan App Kya Hai?

Kerala Live Results app ek mobile application hai jo Play Store par free download ke liye available hai. Iske developer ka naam Anali Rono hai, jo UK based company YOV CONSTRUCTION LTD se associated hai. App ka ID com.ruxoar.ppnv.pxnie.haapibcvq hai, jo bilkul random lagta hai aur scam apps mein common hota hai. Official description ke according, yeh app Kerala state lottery ke results dikhata hai, historical data provide karta hai, aur users ko numbers check karne ki facility deta hai. Yeh claim karta hai ki data official website https://statelottery.kerala.gov.in/ se leta hai, lekin yeh unofficial hai aur government se koi link nahi hai. 13

Lekin asal mein, yeh app lottery ke naam par users se paise deposit karwati hai, jaise ki online ticket kharidne ke liye ya koi gaming account fund karne ke liye. Users sochte hain ki yeh quick money banane ka tarika hai, lekin yeh ek 7-day loan app ki tarah kaam karta hai jahan aap deposit karte ho, short term mein high returns promise kiye jaate hain, lekin withdrawal time par problems aati hain aur heavy charges (jaise processing fees, interest, ya hidden costs) lagte hain. Kerala mein lottery tickets sirf physical form mein authorized agents se kharide ja sakte hain, online selling totally banned hai. 3 Is app mein users ko gold version install karne ke liye link diya jaata hai jo malware hota hai, aur device hack kar leta hai.

Play Store par is app ke 1M+ downloads hain, lekin rating 4.8 dikhai deti hai jo shayad fake positive reviews se bani hai. Critical reviews se pata chalta hai ki yeh app fraud hai, aur logon ne lakhs rupaye kho diye hain. Kerala police ne bhi aise fake lottery apps ke against notices issue kiye hain Google aur Meta ko, taaki inko remove kiya ja sake. 7 Yeh app loan app ki tarah heavy interest charge karti hai, jaise 7 days mein repayment par 30-50% charges, lekin since yeh disguised hai lottery app ke roop mein, log samajh nahi paate.

Kyun Yeh App Ek Scam Hai? Critical Reviews Par Focus

App ki description par bharosa mat karo, kyunki woh misleading hai. Asal truth users ke reviews mein hai. Play Store par hazaron users ne complain ki hai ki yeh app fake hai, paise loot ti hai, aur device ko damage karti hai. Yahan par user ne di gayi images se reviews ko Hinglish mein add kiya ja raha hai, taaki aap acche se samajh sakein. Yeh reviews November-December 2025 ke hain, jo latest hain.

  1. Yuvraj Chaudhary ka review (1 star, 24/11/25): “Wahan koi official Kerala government app nahi hai lottery tickets online kharidne ke liye, kyunki Kerala state lottery tickets sirf physical paper tickets ke through authorized agents se permitted hain. Koi bhi app jo claim karta hai official online partner hone ka, woh likely misleading hai. However, kuch independent third-party apps hain jo live lottery results provide karte hain. Yeh apps government se affiliated nahi hain.”
  2. Dhande Yugandhar ka review (1 star, 18/11/25): “Yeh ek fake app hai, main isko last 2 days se use kar raha hoon. Yeh http error show kar rahi hai aur application kaam nahi kar rahi. Maine high amount deposit kiya hai aur ab withdraw nahi kar pa raha hoon. Beware of the fraud.”
  3. Apurba Nandi ka review (1 star, 21/11/25): “Very bad app, is platform par mat khelo. First time maine 500 Rs deposit kiya lekin mera gaming account mein nahi aaya. Jab customer support se chat kiya, toh unhone kaha fund will arrive. Lekin 2 days ho gaye, main receive nahi kar pa raha hoon.”
  4. Nabarun Sarkar ka review (1 star, 01/12/25): “Fake, yeh aapke credentials aur money le leti hai aur refund nahi deti. Positive reviews is app ke makers/developers ke hain. Kerala lottery ke liye koi official app nahi hai, so download karo, one star rate do, phir uninstall kar do.”
  5. Kaaviya Deepak ka review (1 star, 22/11/25): “Fake app jo lottery tickets selling karti hai jo totally illegal hai. Yeh gold version install karne ko kehti hai jiska link app ke andar hai, aur woh gold version malware hai. Agar install karoge toh device hack ho jayega. Yeh agency provide karti hai without deposit ya documents ke, aur referral par 6000/- commission deti hai. How it possible??? Govt ko is app par look karna chahiye, never install, aapka data leaked ya misused ho jayega.”
  6. Gurmeet Kahlon ka review (1 star, 09/11/25): “Pathetic at withdrawal money. Agar aap is app ko results dekhne ke liye use kar rahe ho toh ok, lekin buy tickets ke liye recommend nahi. Agar win karoge toh think about how will u withdraw money from this app. Very pathetic procedure. Maine big amount deposit kiya hai to withdraw a penny, very disappointed. Not a official app its a tool not affiliated. Be aware before deposit money. No customer support i tried to contact many times but never git any response.”
  7. Jmd ka review (1 star, 05/12/25): (Image mein partial dikha, lekin similar complaints hain withdrawal aur scam ke.)

Yeh reviews se clear hai ki yeh app users se deposit leti hai, lekin withdrawal nahi hone deti. Heavy charges lagte hain jaise processing fees ya hidden deductions. Ek user ne bataya ki 500 Rs deposit kiya lekin account mein nahi aaya, aur customer support fake hai. Dusra user high amount ke bare mein bol raha hai. Yeh 7-day loan app ki tarah hai jahan short term mein paise daalo, promise high returns ka, lekin end mein loss hi hota hai aur charges bahut zyada hote hain, jaise 20-40% interest per week.

Aise apps mein pattern hota hai: Pahle small deposits allow karte hain taaki trust bane, phir big amounts mangte hain, aur withdrawal time par excuses dete hain jaise technical error, verification pending, ya extra fees. Kerala mein aise fake lottery apps ne 2 million+ users ko dupe kiya hai, jahan deposits leke fraud karte hain. 3 Police raids mein bhi aise operations pakde gaye hain jahan online fake tickets beche jaate hain. 5

Yeh App Kaise Kaam Karti Hai Aur Heavy Charges

Yeh app lottery results ke naam par download hoti hai, lekin andar se users ko online ticket buying ka option deti hai, jo illegal hai. Aap deposit karte ho UPI ya bank se, soch kar ki 7 days mein lottery draw hoga aur win karoge. Lekin asal mein, yeh ek disguised 7-day loan system hai jahan aap paise daalte ho, app heavy charges cut karti hai (jaise 10-30% service fee), aur agar win bhi hota hai toh withdrawal nahi hone deti. Reviews se pata chalta hai ki users high amounts lose kar rahe hain.

Example: Ek user ne 500 Rs deposit kiya, lekin account mein nahi aaya – yeh initial charge ya fraud hai. Dusre ne high amount deposit kiya aur withdraw nahi kar paya. Yeh loan apps ki tarah hai jahan short term loans dete hain high interest par, lekin yahan lottery ke naam par. India mein aise loan apps bahut common hain jo RBI approved nahi hote aur harassment karte hain, lekin yeh app extra dangerous hai kyunki malware install karwati hai.

Dangers include:

  • Financial Loss: Paise deposit karo, withdrawal mat kar pao.
  • Data Theft: App personal info, device ID collect karti hai aur encrypt karti hai, lekin reviews ke according data leaked hota hai.
  • Malware: Gold version link malware hai jo device hack karta hai.
  • Legal Issues: Online lottery illegal hai, so aap bhi trouble mein pad sakte ho.

General mein, India mein loan apps scams bahut badh gaye hain, jaise recent Karnataka mein ek engineer ne 4.37 lakh lose kiye loan app scam mein. 8 Isliye hamesha RBI approved apps use karo.

Kaise Bacho Is Scam Se?

  1. Official Sources Use Karo: Kerala lottery results ke liye official website statelottery.kerala.gov.in ya government app use karo, jaise Kerala Lottery Official app. 12 Online tickets mat kharido.
  2. Reviews Padho: Play Store par critical reviews dekho, positive fake ho sakte hain.
  3. No Deposits: Kisi bhi app mein paise deposit mat karo bina verify kiye.
  4. Report Karo: Agar scam hua toh cyber police ko report karo, ya Google ko complain karo taaki app remove ho.
  5. Antivirus Use Karo: Device par good antivirus rakho taaki malware se bacho.
  6. Awareness Spread Karo: Family aur friends ko warn karo aise apps ke bare mein.

Kerala police actively aise fake apps ke against action le rahi hai, jaise notices to Google. 11 2024-2025 mein bahut cases aaye hain jahan log lakhs lose kar rahe hain fake lottery scams mein. 10

Conclusion

Dosto, Kerala Live Results Credit Loan App ek bada scam hai jo lottery ke naam par aapke paise loot ti hai, heavy charges lagati hai, aur device hack karti hai. Yeh 7-day loan app ki tarah short term fraud karti hai jahan deposit easy, withdrawal impossible. Critical reviews se clear hai ki yeh fake hai aur government se affiliated nahi. Hamesha careful raho, official sources use karo, aur aise apps se door raho. Agar aapne experience kiya hai toh comment mein share karo. Yeh article aapki safety ke liye hai, share karo taaki aur log bach sakein.

FAQ

Q1: Kerala Live Results app official hai kya?
A: Nahi, yeh unofficial hai aur Kerala government se affiliated nahi. Official results sirf government website par check karo.

Q2: Kya is app se lottery tickets online kharid sakte hain?
A: Nahi, online lottery ticket selling illegal hai Kerala mein. Sirf physical agents se kharido. 9

Q3: Yeh app 7-day loan provide karti hai?
A: Yeh disguised loan app hai jahan deposit ke naam par paise le leti hai aur heavy charges (interest) lagati hai, lekin withdrawal nahi hota. Avoid karo.

Q4: Agar paise lose hue toh kya karun?
A: Cyber cell ko report karo, bank se chargeback try karo, aur app ko uninstall kar do.

Q5: Positive reviews real hain?
A: Nahi, reviews ke according positive reviews app developers ke fake hain.

Q6: Kya yeh app malware hai?
A: Haan, reviews mein bataya gaya hai ki gold version malware hai jo device hack karta hai.

Q7: Kerala lottery results kaise check karun safely?
A: Official website ya trusted government apps use karo, jaise Kerala Lottery Official app.

Q8: Heavy charges kitne hote hain is app mein?
A: Users ke according, deposit par hidden fees aur no refund, effectively 30-50% loss jaise heavy charges.

Yeh FAQ aapke doubts clear karega. Safe raho!

23 Dec, 2025 By rahulrani91@gmail.com
OakLoan Credit Loan App Scam Exposed: Heavy Charges, Harassment Aur Fake Loan Ki Haqeeqat!

Doston, aaj ke digital zamane mein paise ki zaroorat padne par log instant loan apps ki taraf rukhte hain. Lekin kya aap jaante hain ki kuch apps jaise OakLoan – Personal Loan App, jo Play Store par available hai, asal mein scam ho sakti hain? Yeh app claim karti hai ki woh aapko easy loans deti hai, lekin reviews dekhne se pata chalta hai ki yeh sirf data collect karti hai, unauthorized disbursements karti hai, aur heavy charges ke saath harassment bhi shuru kar deti hai. Is article mein hum detail se baat karenge OakLoan app ke baare mein, uske critical reviews par focus karte hue, jo Play Store par milte hain. Hum app ke description par bharosa nahi karenge, balki real user experiences par. Yeh ek typical 7-day loan app jaisa lagta hai jahaan chhote amounts disbursed kar ke baad mein high interest aur harassment se paise vasool kiye jaate hain. Agar aap India mein rehte hain aur loan app use karne ki soch rahe hain, toh yeh article aapke liye must-read hai. Chaliye shuru karte hain!

OakLoan App Kya Hai? Claimed Features Vs Real Truth

OakLoan – Personal Loan App Play Store par available hai, jiska package ID com.planstack.finance hai. App ke description ke mutabik, yeh ek instant personal loan provider hai jo Indian citizens ko loans offer karti hai. Eligibility simple hai: Aap Indian hone chahiye, 18+ age, aur stable income source. Loan amount ₹50,000 se ₹3,00,000 tak, interest rate max 14% annual, tenure 91 days se 360 days tak. Processing fee 3% (GST included), aur example diya hai ki ₹70,000 loan 12 months ke liye lene par total repayment ₹77,700 hota hai.

Lekin yeh sab claims sirf dikhaava hain! Real mein, users ke reviews se pata chalta hai ki yeh app chhote amounts jaise ₹900 disbursed kar deti hai bina permission ke, aur phir repayment ke naam par heavy charges lagati hai. Yeh typical 7-day loan apps ki tarah kaam karti hai jahaan loan tenure bahut short hota hai, interest rates sky-high (jaise 100-200% effective), aur agar time par repay nahi kiya toh harassment shuru – calls, morphed photos, family ko threaten. App description mein partnerships ka zikr hai jaise Lucky Holdings Private Limited wagairah, lekin users kahte hain yeh sab fake hai. Data safety ka claim hai ki no data shared, lekin reviews mein log bolte hain ki photos aur contacts misuse kiye jaate hain harassment ke liye.

India mein aise loan app scams bahut common hain. Jaise BBC aur Al Jazeera ke reports mein bataya gaya hai, yeh apps data collect kar ke blackmail karti hain, aur kai cases mein suicides tak ho gaye hain. OakLoan bhi isi category mein lagti hai, jahaan positive ratings fake lagte hain (overall 4.7 stars, lekin critical reviews se bhara pada hai). Number of downloads 50K+ hai, developer Bengal Exim Scrips Private Limited, Kolkata se, lekin contact karne par koi response nahi milta users ko.

OakLoan App Ke Critical Reviews: Real Users Ki Kahaniyan

Ab chaliye seedhe reviews par aate hain. Hum app ke description par nahi, balki Play Store ke real critical reviews par focus kar rahe hain. Yeh reviews Hinglish mein likhe gaye hain taaki aapki Indian audience easily samajh sake. Main yeh reviews images se aur Play Store se collect kiye hain (jaise user ne bataya). Sab 1-star ratings hain, aur log scam, fraud, harassment jaise words use kar rahe hain. Yeh prove karte hain ki app trustworthy nahi hai.

  1. Anonymous User (1 Star, 12/12/25):
    Yeh ek fake app hai, time aur data ka waste. Yeh koi loan nahi deti, sirf data aur documents collect karti hai, totally fraud aur fake. Please isko Play Store ya kisi bhi platform se remove karo. (1 person found this helpful)
  2. Mohit Singh Rajput (1 Star, 20/12/25):
    Fake app bahut zyada fake app. Yeh log bahut dangerous hain, mat install karo in apps ko. Yeh aapke photo use kar ke fake photos bana kar harass karenge. (1 person found this helpful)
  3. Vishal Mahadik (1 Star, 11/10/25):
    Main is app se koi loan nahi liya tha, main sirf application cancel karna chahta tha. Ab main police complaint karunga aapke app ke against. Aapne meri side se account credit kiya 900 Rs bina meri permission ke. Main yeh loan nahi chahta, kyun disbursed kiya? Ab repayment ka option bhi nahi show ho raha. Personal account se Subhjit Mandal se UPI ke through payment aaya, main yeh nahi chahta. (Helpful votes not mentioned, lekin serious issue)
  4. TEAM RD (1 Star, 11/12/25):
    Bahut bura experience. Loan lene ke baad yeh log harass karna shuru kar dete hain, images bhej kar. Mat download karo, yeh fake app hai. (1 person found this helpful, but image mein 35 people dikh raha hai kisi review ke liye – shayad galti)
  5. Deepanshu Gandhi (1 Star, 09/12/25):
    Fake app… Yeh log amount disburse kar dete hain aur loan open kar dete hain bina meri permission ke. (Helpful votes not mentioned)
  6. PRADEEP MANJUNATH (1 Star, 22/11/25):
    Mujhe urgent financial need thi aur yeh worst app hai. Time waste math karo. (2 people found this helpful)

Yeh sirf kuch examples hain, lekin Play Store par aise aur bhi reviews hain. Log bolte hain ki app install karte hi permissions maangti hai contacts, photos, etc. ke liye, aur phir misuse karti hai. Ek common complaint hai unauthorized disbursement – jaise ₹500-1000 chhote amounts account mein daal dete hain, phir high interest maangte hain. Agar nahi diya toh morphed nude photos bana kar family ko bhejte hain. Yeh bilkul wahi pattern hai jo India ke illegal loan apps mein hota hai, jaise BBC ke report mein bataya gaya hai ki lakhs log affected hain.

Aur haan, positive reviews? Woh sab generic lagte hain, jaise “Good app, fast loan” – shayad fake bots se likhe gaye. Overall, 4.7 rating kaise hai jab itne negative reviews hain? Yeh bhi scam ka hissa hota hai.

OakLoan App Ke Dangers: Heavy Charges Aur Harassment

Ab baat karte hain main issue ki. User ke mutabik, yeh ek 7-day loan app hai jo heavy charges karti hai. Description mein long tenure bataya hai, lekin real mein chhote short-term loans hote hain. Example: Agar ₹900 disbursed kiya toh 7 days mein ₹1500 repay maangte hain, matlab effective interest 60%+ per week! Yeh RBI guidelines ke against hai, jahaan max interest 36% annual hota hai.

Harassment ka level: Reviews se pata chalta hai ki repayment na hone par calls aate hain foreign numbers se, abusive language, threats. Photos morph kar ke social media par daalte hain ya family ko bhejte hain. Data privacy zero – app contacts access kar ke sabko harass karti hai.

India mein aise apps Chinese origins ke hote hain often, jaise Lookout report mein bataya gaya hai ki 300+ predatory apps Play Store par hain. Government ne kai apps ban kiye hain, lekin naye aate rehte hain. OakLoan bhi suspicious hai kyunki developer Kolkata based hai, lekin contact numbers fake lagte hain.

Kaise bach sakte ho? Hamesha RBI approved NBFCs se loan lo, jaise Bajaj Finserv, HDFC, etc. App download karne se pehle reviews check karo, aur agar scam lage toh cyber cell complain karo.

Kaise OakLoan Jaise Apps Scam Chalati Hain?

Yeh apps simple strategy use karti hain:

  1. Attractive ads: Instant loan, no paperwork.
  2. Permissions: Install karte hi camera, contacts, SMS access.
  3. Small disbursement: Bina poochhe chhota amount daal dete hain.
  4. High charges: Short tenure mein double paise maangte hain.
  5. Harassment: Na dene par blackmail.

Ek report ke mutabik (Al Jazeera), India mein 2023 se ab tak thousands cases hue hain. OakLoan mein bhi same – reviews mein log police complain ki baat kar rahe hain.

Alternatives To OakLoan: Safe Loan Options

Agar aapko real mein loan chahiye, toh yeh try karo:

  • Bank apps: SBI YONO, ICICI iMobile.
  • Legit fintech: Paytm Money, MoneyTap (RBI regulated).
  • Check CIBIL score free aur improve karo.

Inse heavy charges nahi, aur safe.

Conclusion: Mat Install Karo OakLoan!

Doston, OakLoan Credit Loan App ek scam hai jo aapke data aur paise dono chura sakti hai. Reviews se saaf hai ki yeh fake hai, heavy charges lagati hai, aur harassment karti hai. App description par mat jaao, real users ki suno. Agar aapne install kiya hai, toh delete karo aur report karo Play Store par. Safe raho, smart ban

FAQ: OakLoan Credit Loan App Ke Common Sawal

Q1: OakLoan app real hai ya fake?
A: Reviews ke mutabik, yeh totally fake aur scam app hai. Data collect karti hai aur harassment karti hai.

Q2: OakLoan mein loan lene ke charges kitne hain?
A: Heavy charges – short term loans mein 100%+ effective interest, jaise 7 days mein double paise.

Q3: Kya OakLoan unauthorized disbursement karti hai?
A: Haan, kai reviews mein log bolte hain ki bina permission ke amount daal deti hai.

Q4: Harassment se kaise bachen?
A: App delete karo, block numbers, aur police/cyber cell complain karo.

Q5: Safe loan apps kaun si hain?
A: RBI approved jaise Bajaj, HDFC, Paytm – inko use karo.

Q6: Play Store par high rating kaise?
A: Shayad fake reviews se, real critical reviews check karo.

Q7: Developer se contact kaise karun?
A: Email help@bengalexim.com ya phone +91 9932116372, lekin users ko response nahi milta.

Q8: Yeh app 7-day loan deti hai?
A: Haan, typical short-term scam pattern, heavy charges ke saath.

Yeh FAQ aapke doubts clear karega. Safe rahiye!

23 Dec, 2025 By rahulrani91@gmail.com
ZenLoan Loan App Scam Exposed: 7 Din Mein Double-Triple Paisa Maang Kar Lootne Wala Dangerous Fraud!

Aajkal har koi emergency mein instant loan dhundhta hai, aur ZenLoan jaise apps bade-bade waade karte hain – “Turant loan, bina documents ke, low interest”. Lekin sachchai bilkul alag hai! Ye app ek khatarnak scam hai jo users ko 7-day short term loan ke jaal mein phasa kar heavy charges lagati hai aur repayment na hone par blackmail tak karti hai. Play Store par ye app abhi bhi available hai (ID: com.loanpals.pers.loan), lekin critical reviews padhne ke baad koi bhi isko download nahi karna chahega. Is article mein hum sirf app ke fake description par nahi, balki real users ke negative reviews par focus karenge. Agar aap ZenLoan se loan lene ki soch rahe ho, toh pehle ye poora padh lo – ye aapko bada nuksaan hone se bacha sakta hai!

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ZenLoan App Ki Asliyat: Official Description Vs Users Ki Haqeeqat

ZenLoan khud ko ek simple personal loan app batati hai jahaan aap ₹1000 se ₹50,000 tak ka loan turant le sakte ho. Unke description mein likha hai ki approval fast hai, paperwork kam hai aur repayment easy. Lekin ye sab marketing ka chakkar hai! Asliyat mein ye app RBI ke rules ko todti hai, interest rates chhupati hai aur bina agreement ke paise account mein daal deti hai.

Sabse badi problem ye hai ki ZenLoan mainly 7-day loans deti hai. Matlab aap loan lete ho aur sirf 7 din mein wapas karna padta hai – wo bhi almost double ya triple amount ke saath. Interest rate itna high hota hai ki annual basis par 1000% se bhi zyada ho jata hai, jo completely illegal hai. RBI ke guidelines ke according, digital lending apps ko transparent hona chahiye, lekin ye app users ko trap karti hai.

ZenLoan Ke Real User Reviews: Play Store Se Direct Proof

Humne app ke official description par bilkul bharosa nahi kiya, balki critical 1-star reviews par focus kiya. Ye reviews December 2025 tak ke hain aur dikhate hain ki kitne log is scam ka shikaar ban chuke hain. Yeh raha kuch important reviews (jaise users ne likha, Hinglish mein):

  • Karthik Jarajapu (01/12/2025):
    “Completely fraud app. These guys even though you don’t sign any agreement sends you money to account and after four days asks you almost double the amount and even though you pay it. It will not reflect in the app and the customer service also doesn’t care about the mails you send. Have reported it to Google as well but haven’t taken down this app from playstore yet.”
    (326 logon ne isko helpful mark kiya)
  • Yamini Yamini (17/12/2025):
    “Completely fraud app.. these guys even though you don’t sign any agreement sends you money to account and after four days asks you almost doubl..actually I don’t request loan amount but ur app is asking money 1500 I will book ye cyber crime for ur app why ur asking money..just i checked app that’s it…fraud app..dont trust”
    (39 logon ne helpful mark kiya)
  • Ratheesh Rk (21/09/2025):
    “Completely fraud app. these guys even though you don’t sign any agreement sends you money to account…”
  • Prafull Kasbe (21/12/2025):
    “totally scam .. I did not proceeded for any amount to credit in my account, worst user experience and customer service is not even exist, it asking to repay amount in 7 days, look I will be reporting this to the cyber crime branch and raising complaint ticket to the shadowfax who promoting the fraud loan app..”
    (1 person ne helpful mark kiya)
  • Prashanth Kumar (20/12/2025):
    “This app is very very fraud app we taken loan he is asking triple amount for loan recruitment is asking in 4 days is don’t have a documents officially please block this app I will request you Google.. I will pay in photos amount is not giving the time also this app is very very fraud app we taken loan amount is going taken 90% of that guy will give 20% amount for loan cash please block this app in Play Store”
    (35 logon ne helpful mark kiya)

Yeh reviews se saaf hai ki pattern ek hi hai: Bina permission ke paise bhejna, 7 din mein double-triple maangna, payment reflect na karna, customer care zero, aur harassment.

ZenLoan Ka 7-Day Loan Trap Aur Heavy Charges Kaise Kaam Karta Hai?

  1. Aap app download karte ho aur basic details daalte ho.
  2. Bina aapke final approval ya agreement ke, app randomly small amount (₹1000-₹5000) aapke account mein transfer kar deti hai.
  3. 4-7 din baad app mein notification aata hai ki double ya triple amount repay karo.
  4. Agar nahi karte toh calls, WhatsApp messages, contacts ko blackmail karna shuru.
  5. Interest + processing fee + late fee milakar actual loan ka 100-200% extra charge.

Ye sab illegal hai kyunki RBI ke rules mein interest rate cap hai aur recovery ke liye harassment allowed nahi hai. Aise apps aksar Chinese origin ke hote hain aur India mein ban hone ke baad naye naam se aate hain.

Agar Aap ZenLoan Ke Scam Mein Phas Gaye Ho Toh Kya Karen?

  • Turant complaint karen: cybercrime.gov.in par online report file karo.
  • RBI Sachet portal par report karo (sachet.rbi.org.in).
  • Local police station mein FIR darj karwao.
  • Bank se transaction dispute raise karo.
  • App uninstall kar do aur unknown numbers block kar do.

ZenLoan Jaise Fraud Apps Se Kaise Bachen?

  • Hamesha Play Store par latest negative reviews padho.
  • App ko contacts, gallery, camera permission bilkul mat do.
  • Sirf RBI registered NBFC wale apps use karo (jaise Paytm, Bajaj Finserv).
  • Short term high interest loans se door raho.
  • Emergency mein family ya trusted sources se help lo.

ZenLoan Ke Safe Alternatives – Ye Apps Try Kar Sakte Ho

  • Paytm Personal Loan – Transparent charges, RBI approved.
  • Bajaj Finserv – Flexible tenure, low interest.
  • MoneyTap – Credit line, interest sirf used amount par.
  • CASHe – Short term lekin proper documentation aur no harassment.
  • KreditBee – Good reviews, fast approval lekin terms padh kar lo.

In apps ke reviews mostly positive hain aur harassment ki complaints bahut kam.

Conclusion: ZenLoan Se Door Raho!

ZenLoan jaise apps sirf ek fraud trap hain jo 7 din ke chhote loan ke naam par logon ki zindagi barbaad kar rahe hain. Play Store par rehne ke bawajood ye dangerous hai. Apne paise aur privacy ki hifazat karo – koi bhi unknown loan app download karne se pehle 10 baar socho aur reviews check karo.

FAQ – ZenLoan App Ke Baare Mein Sabse Common Sawal

Q1. ZenLoan app safe hai ya scam?
A. Bilkul scam hai! Hundreds of users ne fraud, heavy charges aur harassment ki complaint ki hai.

Q2. ZenLoan 7 day loan mein kitna charge karti hai?
A. Aksar double ya triple amount maangti hai, yani 100-200% extra sirf 7 din mein.

Q3. ZenLoan bina agreement ke paise kyun bhej deti hai?
A. Ye ek trap hai – paise bhej kar forcefully repayment maangte hain aur interest lagate hain.

Q4. ZenLoan harassment kare toh kya karna chahiye?
A. Cybercrime.gov.in par complaint, police FIR, aur RBI Sachet par report karo.

Q5. Google Play Store se ZenLoan kyun nahi hataaya ja raha?
A. Users ke reports par action hota hai, lekin slow process hai. Zyada log report karen toh jaldi hat sakta hai.

Q6. ZenLoan ke badle kaun se loan apps safe hain?
A. Paytm, Bajaj Finserv, MoneyTap, CASHe – ye sab RBI regulated hain.

Q7. Kya ZenLoan Chinese loan app hai?
A. Tactics same hain jaise banned Chinese apps ke, lekin exact origin confirm nahi.

Q8. Loan app scam se permanently kaise bachen?
A. Negative reviews padho, permissions mat do, aur sirf trusted brands se loan lo.

22 Dec, 2025 By rahulrani91@gmail.com
CreditSaral Loan App Exposed: 7 Days Ke Naam Par Data Chori Aur Ghar Par Threats – Shocking Fraud Reviews!

Aaj kal India mein loan apps ka craze badh gaya hai, lekin har app safe nahi hoti. CreditSaral Loan App ek aisa naam hai jo quick cash promise karta hai, lekin iske peeche chhupi sacchai bahut hi darawni hai. Ye app claim karti hai ki easy personal loans deti hai, lekin Play Store ke critical reviews se saaf dikhta hai ki ye sirf aapka data chori karti hai, loan reject kar deti hai, heavy charges vasoolti hai aur phir family ko harass karti hai. Agar aap CreditSaral se loan lene ka soch rahe ho, to ruk jao! Ye article specially aapke liye hai, jahan hum official description par bharosa nahi karenge – balki real user reviews par focus karenge jo Play Store se liye gaye hain. Ye 1400+ words ka detailed guide hai, Hinglish mein taaki aapki Indian audience aasani se samajh sake. Humne shocking reviews add kiye hain, warnings diye hain aur end mein FAQs bhi hain. Chaliye, is fraud ko expose karte hain!

CreditSaral Loan App Kya Hai? Official Claims Par Kyun Na Bharosa Kare?

CreditSaral ek mobile app hai jo Google Play Store par available hai, jiska ID com.credit.saral.app.in hai. Official description ke mutabik, ye instant personal loans offer karti hai, jisme aap ₹5,000 se ₹50,000 tak loan le sakte ho, aur tenure 3 months se 12 months tak. Interest rate 24% se 36% APR tak hai, processing fee 2-5% aur GST extra. Ye kehti hai ki RBI-approved NBFC ke saath partner hai, aur quick approval deti hai – bas PAN, Aadhaar aur bank details upload karo. Developer ka naam CreditSaral Fintech Private Limited hai, address Mumbai mein.

Lekin yahan galti mat karna! Hum in claims par bharosa nahi kar rahe. Kyunki Play Store ke reviews aur user screenshots se pata chalta hai ki ye sab jhooth hai. App downloads 1M+ hain, rating 4.4 dikhti hai jo shayad fake 5-star reviews se bani hai. Asli users 1-star dete hain, jahan fraud, data misuse aur no loan ki shikayatein bhari padi hain. RBI ne bhi aise fake loan apps ke against warnings di hain, jahan data privacy violate hoti hai aur harassment common hai. CreditSaral mein data safety section mein kaha gaya hai ki personal info, contacts, photos aur location share ho sakti hai third parties ke saath – ye bahut hi risky hai, especially jab loan na mile.

India mein aise apps cyber crime ka bada hissa hain. Bahut se YouTube videos aur forums mein CreditSaral ko “7 days fraud loan app” kaha gaya hai, jahan short-term loans ke naam par data collect karte hain. Official mein 3 months min tenure hai, lekin reviews mein users kehte hain ki 7 days ke quick loan promise karte hain lekin deliver nahi karte. Hum in critical reviews par hi bharosa karenge, kyunki description mein hidden charges aur scam ko chhupaya ja sakta hai.

CreditSaral Ke Shocking Critical Reviews: Users Ki Heartbreaking Stories

Ab seedha mudde par aate hain – Play Store ke negative reviews. Humne user-provided screenshots se aur Play Store se collect kiye hain ye reviews. Sab 1-star ke hain, Hinglish translation ke saath taaki aap samajh sako. Ye reviews fraud, data collection, loan rejection, heavy charges aur threats ki kahaniyan sunate hain. Yahan top reviews hain:

  1. J B ka Review (1 Star, 07/12/25): “Worst app, don’t trust and don’t download. In the beginning they behave like loan gonna be approved anyway, take all data then reject the loan. Bloody fraud, Scammer. Collecting data only, app not giving loan. Police complaint and I will do it for sure Fraud.”
    Hinglish mein: “Sabse bura app, bharosa mat karo aur download mat karo. Shuru mein loan approve hone ka natak karte hain, saara data le lete hain phir reject kar dete hain. Bloody fraud scammer. Sirf data collect karte hain, loan nahi dete. Police complaint karunga zaroor.”
    Ye review 34 logon ne helpful mana – dikhata hai kitna common issue hai.
  2. Vinod Kumar ka Review (1 Star, 15/12/25): “application can not done. when contact try to add open files instead of contacts. tried adding contact picture but crash.”
    Hinglish mein: “App bilkul kaam nahi karti. Contacts add karne ki koshish karo to files open karne lagti hai. Contact picture add karne par crash ho jati hai.”
    Ye technical glitch dikhata hai ki app kitni unstable hai, aur data access ke time problem hoti hai.
  3. Praveen P ka Review (1 Star, 12/12/25): “i didnt why this kind of appss google play store allowing her this kind of apps of number one fraud apps pls im request to google playstore dont allow this kind of apps her”
    Hinglish mein: “Samajh nahi aata Google Play Store aise fraud apps ko kyun allow karta hai. Ye number one fraud app hai. Please Google ko request hai, aise apps ko mat allow karo.”
    5 logon ne helpful kaha – users Google se hi shikayat kar rahe hain.
  4. Patel Hari ka Review (1 Star, 20/12/25): “don’t install this app because this app is only for data collection and miss use your data so be careful”
    Hinglish mein: “Ye app install mat karo kyunki ye sirf data collection ke liye hai aur aapka data misuse karti hai. Bahut careful raho.”
    1 person ne helpful mana, lekin simple warning hai data theft ke against.
  5. Rahul Godariyya ka Review (1 Star, 02/12/25): “It’s a fake app. only collecting personal data.dnt waste your time”
    Hinglish mein: “Ye fake app hai. Sirf personal data collect karti hai. Time waste mat karo.”
    15 logon ne helpful kaha – clearly data chori ka focus.
  6. Hari Ram ka Review (1 Star, 17/12/25): “this is pak operated app don’t use it they will credit 1200 and asking repay after 5 days of rs 2400+ abuse your family & threaten to upload nude pic.plz remove it from play store”
    Hinglish mein: “Ye Pakistan operated app hai, use mat karo. 1200 credit karte hain aur 5 days baad 2400+ repay mangte hain. Family ko abuse karte hain aur nude pic upload karne ki dhamki dete hain. Please Play Store se remove karo.”
    2 logon ne helpful mana – ye sabse shocking hai, harassment aur heavy charges ka example.

In reviews se pattern clear hai: Shuru mein approval ka jhootha ummeed dete hain, saara data (contacts, photos, PAN, bank details) le lete hain, phir loan reject. Kabhi chhota sa amount (jaise 1200) deke double repay mangte hain with threats. Technical bugs bhi hain, jaise crashes during data upload. Bahut se users police complaint ki baat kar rahe hain. Online forums mein bhi similar shikayatein hain – jaise Reddit par “CreditSaral scam” threads, jahan data misuse se identity theft ki stories hain.

7 Days Loan Ka Ghotala: Heavy Charges Aur Ghar Tak Pahunchne Wale Khatre

User ne specially bataya hai ki CreditSaral 7 day loan app hai with bahut heavy charges. Official description mein min 3 months tenure hai, lekin reviews aur online buzz se lagta hai ki ye short-term 7 days loans promote karti hai quick cash ke liye. Jaise Hari Ram ke review mein 5 days mein double repay – ye effective interest rate 100%+ bana deta hai! Heavy charges include:

  • Processing fee 2-5% upfront, jo loan na mile to bhi kat jati hai.
  • Interest 24-36% APR, lekin 7 days mein ye weekly 10-15% ke barabar ho jata hai.
  • Hidden penalties: Late payment par extra fines, jo harassment ke saath aate hain.
  • Data misuse charges: Indirectly, data bechne se aapko calls, spam ya blackmail.

India mein aise apps RBI ke radar par hain. Cyber Crime Portal par hazaron complaints aise apps ke against hain, jahan 7-day loans ke naam par fraud hota hai. CreditSaral mein phone permissions mangti hai – contacts read, photos access, location track. Ek baar data le liya, to recovery agents aapke family ko call karte hain, abuse karte hain, even fake nude pics ki threats dete hain jaise Hari Ram ne bataya. Ye mental torture hai, especially low-income families ke liye.

Risks aur bhi hain: Data leak se loan sharks aapke paas pahunch jate hain, multiple loans force karte hain. Bahut se users ko credit score kharab ho gaya reject hone se.

CreditSaral Ko Kyun Avoid Karna Chahiye? Top 5 Reasons

  1. 100% Fraud: Loan nahi milta, sirf data chori. 90% reviews negative.
  2. Data Privacy Zero: Contacts, photos misuse – delete option bhi nahi kaam karta.
  3. Heavy Charges Trap: 7 days mein double repay, no refund.
  4. Harassment Hell: Family threats, abuse calls – police tak pahunch jao.
  5. Technical Trash: Crashes, slow process, no support.

Agar already install kiya hai, to turant uninstall karo, data deletion request bhejo (email: support@creditsaral.com) aur agar harassment ho to cyber police (1930 helpline) call karo. Alternatives: Genuine apps jaise LazyPay, TrueBalance ya bank apps (SBI YONO) use karo. Hamesha RBI SAS Portal par NBFC verify karo.

CreditSaral Ke Aur Hidden Facts: Developer Se Leke Legal Warnings Tak

App last updated December 2025 mein hua, developer Mumbai-based hai lekin reviews mein “Pak operated” kaha gaya – shayad foreign servers use karte hain. Support number +91-XXXXXXXXX hai, lekin calls nahi connect hote. Online, YouTube par “CreditSaral fraud review” videos hain jahan users apni stories share karte hain – ek mein bataya gaya ki 7 days loan apply kiya, 500 fee kata, phir reject with threats.

General loan scam signs: Upfront fees without approval, excessive permissions, no clear terms – ye sab CreditSaral mein fit baithte hain. Google Play ne aise apps ko ban karna shuru kiya hai, lekin abhi tak ye live hai. Agar aap victim ho, to Consumer Court ya RBI Ombudsman se shikayat karo.

Ye app financial freedom nahi, balki financial slavery ka trap hai. India ke 500M+ smartphone users mein se lakhs aise scams ka shikaar ban rahe hain. Humari advice: Hamesha reviews padho, especially recent negative wale.

FAQs: CreditSaral Loan App Ke Sabse Common Sawal – Hinglish Mein Jawab

Yahan 10 FAQs hain, jo users aksar poochte hain:

  1. CreditSaral Loan App Real Hai Ya Fake?
    Bilkul fake! Reviews se saaf hai ki loan nahi deti, sirf data collect karti hai. Avoid at all costs.
  2. CreditSaral Se 7 Days Loan Kaise Milega?
    Promise karti hai quick 7 days approval, lekin apply karo to data leke reject. Heavy charges ke saath.
  3. Isme Heavy Charges Kitne Hain?
    Processing 2-5%, interest 24-36%. 7 days mein effective 50-100%+ – jaise 1200 loan par 2400 repay!
  4. Data Misuse Kaise Rokun?
    Install hi mat karo. Agar kiya hai, permissions revoke karo aur complaint file karo.
  5. Harassment Hone Par Kya Karun?
    Calls record karo, cyber police (1930) call karo ya national cyber crime portal par report karo.
  6. Google Play Store Kyun Aise Apps Allow Karta Hai?
    Shayad verification weak hai, lekin users jaise Praveen complaints kar rahe hain – mass report karo.
  7. Alternatives Kya Hain Safe Loans Ke Liye?
    MoneyTap, mPokket ya bank apps. RBI-approved check karo.
  8. Rating 4.4 Kyun Hai Agar Scam Hai?
    Fake positive reviews se. Real 1-star hi dekho.
  9. Loan Reject Hone Par Refund Milega?
    Nahi, fees gayi. Data bhi nahi delete hota.
  10. CreditSaral Ko Report Kaise Karun?
    Play Store mein report, RBI SAS portal, ya police station jaao.