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.