22 Dec, 2025 By rahulrani91@gmail.com 0 CIBIL LOAN APP, Loan App Review, NEW LOAN 2025, Uncategorized 0 Comments

Rupee112 Loan App Scam Exposed: 7 Din Ke Loan Mein Heavy Charges Aur Harassment Ki Kahani – Real User Reviews 2025

Aaj kal paise ki zarurat kisi ko bhi kabhi bhi pad sakti hai, aur instant loan apps jaise Rupee112 ne yeh kaam aasan bana diya hai. Lekin kya yeh app sach mein trustworthy hai? Ya phir yeh ek scam hai jo users ko heavy charges aur harassment se pareshan karti hai? Is article mein hum Rupee112 Loan App ki sachchai ko expose karenge, Play Store ke critical reviews par focus karte hue. Hum app ke description par zyada bharosa nahi karenge, balki real users ke experiences share karenge. Yeh article Hinglish mein hai taaki aapki Indian audience aasani se samajh sake.

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Rupee112 Loan App Kya Hai? Official Description Par Ek Nazar

Rupee112 ek instant personal loan app hai jo Google Play Store par available hai, developed by Vrinda Finlease. App ke according, yeh quick, easy aur secure funds provide karti hai. Emergency ya kisi expense ke liye aap personal loan apply kar sakte ho, aur paise directly bank account mein aate hain. Eligibility simple hai: Indian resident hona chahiye, salaried employee, age 25 se upar, PAN card, Aadhaar, bank statements wagairah documents chahiye.

Official description ke mutabik, loan amount 10,000 se 5 lakh tak, tenure 1-3 years, APR 35% fixed, processing fee 2%, aur GST extra. Yeh kehte hain ki yeh transparent aur trustworthy app hai salaried Indians ke liye. Lekin yeh sab sirf marketing hai. Asliyat toh reviews se pata chalti hai, jahaan users bolte hain ki yeh 7-day loan app hai jo bahut heavy charges lagati hai. Long-term tenure ka daawa karte hain, lekin reality mein short-term loans dete hain jisme interest aur fees itne high hote hain ki repayment mushkil ho jati hai. RBI ke guidelines ke against aise apps harassment bhi karte hain.

Asli Sachchai: Heavy Charges Aur 7-Day Loan Ka Fraud

Rupee112 ko download karne se pehle soch lo, kyunki yeh ek typical 7-day loan app hai jisme charges sky-high hote hain. Users kehte hain ki loan approve hone ke baad, interest rate 35% se bhi zyada effective ho jata hai processing fees, late fees aur hidden charges ki wajah se. Example ke taur par, agar aap 10,000 ka loan lete ho 7 days ke liye, toh repay karte time 12,000-15,000 tak ho sakta hai – yeh 20-50% extra charges! Yeh apps short-term emergency ke naam par logon ko fasate hain, aur agar repayment late hui toh harassment shuru.

Play Store par overall rating 1.1 stars hai (2025 tak ke data se), aur zyadatar reviews negative hain. Downloads lakhs mein hain, lekin reviews se pata chalta hai ki app slow hai, customer service zero, aur loan process fraudulent. Hum app ke description par bharosa nahi kar rahe, balki critical reviews par. Aage hum kuch real reviews share karenge, jo Play Store se liye gaye hain aur user ke diye gaye images se.

Real User Reviews: Harassment, Slow App Aur Poor Service Ki Kahaniyan

Yeh reviews Hinglish mein likhe gaye hain taaki aap aasani se samajh sakein. Yeh direct Play Store se hain, aur user ke images mein dikhai gaye reviews ko include kiya hai. Sab 1-star ratings wale hain, jo app ki asli picture dikhate hain.

  1. Priya Prabhu ka Review (17/12/25): “Yeh ek third-class app hai jo maine kabhi dekhi nahi. Online mein bahut saare achhe apps hain jo emergency mein situation samajh kar madad karte hain aur short time mein payment allow karte hain. Lekin is app ke customer care agents logon ko harass karte hain, bolte hain ki aapka office address aur reference number delay ke liye, aur unhone 35,000 ka loan badal kar 22,000 credit kiya account mein. Aisa mat karo, emergency ke liye yeh app mat use karo. Mere paas koi pending nahi hai is app ke saath… worst customer service.” Company ka response: “We’re sorry for your experience. We don’t allow harassment or rude behaviour from our team. Please email us at care@rupee112.com so we can look into it.”
  2. Pradeep Chaturvedi (PKC) ka Review (07/10/25): “Yeh app complete disappointment hai! Yeh tortoise se bhi slow chalti hai – application review karne mein poora din lag jata hai. Totally unacceptable aur frustrating. Please fix these performance issues immediately; users deserve faster aur efficient service aur unke advisor jiska name aur number app mein diya hai. Woh calls receive nahi karta aur maine email kiya aur review chhod diya, usne mera loan cancel kar diya.” Company response: “Dear User, We apologize for the inconvenience caused. Please contact us at +91-9220644112 or Rupee112.”
  3. Akhil Korrapati ka Review (22/10/25): “Unprofessional log hain yeh. Saare documents collect karte hain aur phir respond nahi karte. Mujhe ek person assigned tha naam Raju, jisne saare documents collect kiye, loan approve kiya aur e-sign aur mandate karwaya. Phir calls aur messages ka response band. App mein bhi koi update nahi disbursement ke baad se kai dinon se. Bahut unprofessional aur unreliable application, disguising app.” Yeh review se pata chalta hai ki app documents le leti hai lekin process stuck ho jata hai.

In reviews ke alawa, web par bhi complaints milti hain. Jaise LawRato par ek user ne likha (28-Apr-2025): “Maine Rupee112 se 37,000 rs loan liya, lekin recovery mein harassment shuru – office CEO ko call karne ki dhamki dete hain.” Yeh typical hai in 7-day loan apps ka, jahaan due date se pehle hi calls shuru ho jate hain, contacts hack karte hain aur relatives ko message bhejte hain.

Aur Reddit par ek thread mein fake 7-day loan apps ki baat hai, jahaan users bolte hain ki aise apps borrow karne ke baad delete kar do, lekin Rupee112 jaise real NBFC se linked hote hain lekin practices scam-like. Quora par similar apps jaise Safety Rupee ke reviews mein bolte hain: “Very high interest rates, only 7-day tenure, not secure.”

Zyada reviews se pata chalta hai ki app slow hai, crashes karti hai, loan approve hone ke baad amount kam credit hota hai, customer support non-existent, aur repayment mein heavy penalties. Ek review mein bola gaya: “They start harassing 10 days before due date, even with ECS set up.” Yeh RupeeRedee ka tha lekin similar apps mein common hai.

Rupee112 Ke Risks: Kyun Avoid Karna Chahiye?

India mein loan apps boom hai, lekin RBI ne warnings di hain unauthorized apps ke against. Rupee112 RBI-registered NBFC se linked hai (Vrinda Finlease), lekin practices unethical hain. Heavy charges: 35% APR ke alawa processing 2%, GST, late fees – effective rate 50-100% ho sakta hai short term mein. 7-day loans mein yeh common hai, jahaan principal se double repay karna padta hai.

Harassment: Reviews se clear hai ki agents rude hote hain, office aur references ko call karte hain, morphed photos bhejte hain (kuch cases mein). Yeh illegal hai RBI guidelines ke under, lekin yeh apps karte hain.

Privacy Issues: App permissions le leti hai contacts, gallery, location – data misuse kar sakti hai.

CIBIL Score Impact: Loan reject hone par ya late payment par score down hota hai.

Alternatives: Better options jaise Paytm, MoneyTap, CASHe – jo lower interest aur better service dete hain. Bank loans prefer karo long-term ke liye.

General Tips Loan Apps Use Karne Ke Liye

  • Hamesha RBI-approved apps choose karo.
  • Terms and conditions padho, especially charges.
  • Reviews check karo Play Store par.
  • Emergency mein bhi over-borrow mat karo.
  • Harassment ho toh RBI complaint portal par report karo.

Yeh sab jaanne ke baad, Rupee112 avoid karna better hai.

Pros Aur Cons Ek Nazar Mein

Pros:

  • Quick approval (agar ho jaye toh).
  • Paperless process.

Cons:

  • Heavy charges aur hidden fees.
  • Slow app performance.
  • Poor customer service.
  • Harassment in recovery.
  • Unreliable loan disbursement.

Conclusion: Rupee112 Se Door Raho

Rupee112 Loan App ek scam-like app hai jo 7-day loans ke naam par heavy charges lagati hai aur users ko harass karti hai. Description mein transparent bolte hain, lekin reviews se sachchai alag hai. 2025 mein bhi yeh issues continue hain. Better alternatives choose karo aur safe raho. Agar aapne use kiya hai, apna experience share karo comments mein.

FAQ

Q1: Rupee112 Loan App Safe Hai Kya?
A: Nahi, reviews se pata chalta hai ki harassment aur heavy charges ke cases bahut hain. Avoid karo.

Q2: Rupee112 Mein Loan Tenure Kitna Hai?
A: Official 1-3 years, lekin users bolte hain 7 days short-term, high interest wale.

Q3: Charges Kitne Hote Hain?
A: APR 35%, processing 2%, lekin effective zyada – 50%+ short term mein.

Q4: Harassment Ho To Kya Karna Chahiye?
A: RBI ke SACHET portal par complaint karo, ya police se madad lo.

Q5: Better Alternatives Kaun Se Hain?
A: CASHe, MoneyView, PaySense – lower rates aur better service.

Q6: App Download Karne Se Pehle Kya Check Karna?
A: Reviews, ratings, RBI approval, aur terms padho.

Q7: Loan Reject Hone Par Kya Hota Hai?
A: CIBIL score impact hota hai, aur app data misuse kar sakti hai.

Yeh FAQ aapke doubts clear karega. Safe borrowing!