Your personal loan finally got approved.
You’re told the amount is disbursed. But...
No SMS. No email. No bank alert.
Now what?
Don’t panic — this happens more often than you think.
Let Vizzve Finance explain why your loan was disbursed but no credit alert was received, and what you should do immediately.
Why Does This Happen?
1. Bank System Delays
Banks and NBFCs can take up to 24 hours to send SMS or email alerts. Especially during:
Weekends
Public holidays
Heavy transaction hours
2. Incorrect Contact Details
If your mobile number or email linked to your account is incorrect, the alert won't reach you.
✅ Double-check your contact info with both your bank and the lender.
3. SMS Delivery Issues
Sometimes alerts are delayed due to:
Network issues
DND settings
Full inbox
App notification bugs (like Google Pay or banking apps)
What You Should Do Immediately
1. Check Bank Balance Manually
Use net banking, UPI, ATM, or mobile banking
Confirm if the disbursed amount is reflected in your account
2. Check Loan Statement or Email from Lender
Look for:
Disbursement confirmation
Loan account number
EMI schedule
💡 Vizzve always provides a disbursement summary directly in your account dashboard.
3. Contact Customer Support
Call or email your lender and ask:
“Loan disbursed status shows completed, but no amount or credit alert received. Can you confirm the UTR or transaction details?”
Keep your loan reference ID handy.
Red Flags You Shouldn’t Ignore
If the loan status says disbursed, but:
No amount is credited in 48 hours
No UTR or transaction proof is shared
The lender becomes unresponsive
🚨 It could be a fake loan app or fraud. Report it to:
RBI’s Sachet Portal
Cybercrime.gov.in
Your bank and local police station
Vizzve Finance Tip
“A genuine lender will never delay credit without a valid reason or keep you in the dark. At Vizzve, you can track every rupee from approval to disbursal — with alerts on every step.”
FAQs
Q1: Can a loan be approved but not disbursed?
Yes. If final checks fail (KYC, bank details mismatch), approval may not lead to disbursal.
Q2: How long does it take for a loan to reflect in my account after disbursal?
Typically within 2–4 working hours, but it can take up to 24–48 hours during bank holidays or processing delays.
Q3: Will missing a credit alert affect my EMI schedule?
No. Your EMI dates start based on disbursal, not alerts. Track using your loan agreement or lender dashboard.
Published on : 22nd July
Published by : SMITA
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RBI-Registered Loan Partner | 10 Lakh+ Customers | ₹600 Cr+ Disbursed