Loan Disbursed But Not Received? Here’s What to Do (2025 Guide)

❗ Why This Happens:

Many users apply for personal loans online and get instant approval. But then…

👉 Loan disbursed status shows in the app
😕 Yet no money appears in their bank account

This is one of the most common loan complaints in 2025.

Let’s break down why it happens, what to do next, and how Vizzve Financial’s real-time tracking avoids this issue.

🧠 What “Disbursed” Actually Means

A loan is marked “disbursed” when the lending institution processes your loan and releases the amount — but the credit to your bank may take up to 24 hours, depending on:

• Bank settlement hours

• UPI vs. NEFT/IMPS transfer mode

• Weekend/holiday delays

• KYC or verification re-checks

• Technical API delays between bank and app

• 
  

🛠️ What You Should Do – Step-by-Step

1. ✅ Wait 2–4 working hours
   If the loan was approved after banking hours (8 PM–9 AM), the credit may reflect the next working day.

2. 
   

3. 🔎 Check your bank account manually
   Sometimes SMS/notifications are delayed. Log in to netbanking or UPI app to verify.

4. 
   

5. 📩 Contact customer support
   Provide your:

   • Loan reference number

   • Registered mobile number

   • Bank account details

   • Screenshot of disbursal message

   • 
     

6. 🛡️ Don’t share OTPs or pay fees
   If any app asks for money after approval, it’s likely a scam.

7. 
   

8. 🧾 Request disbursal confirmation or UTR
   Genuine apps will provide a UTR (transaction reference number) so you can check with your bank.

9. 
   

✅ Why Vizzve Financial Avoids These Issues