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.