🔐 RBI’s Latest Digital Lending Rules – Are You Borrowing from a Safe App?
📅 Updated: June 2025 | 🛡️ Safe Loans | RBI Registered NBFCs | Vizzve Compliant Lending
📌 Introduction
Digital lending has rapidly transformed the way Indians borrow money. However, with this convenience comes the risk of fraud, unregulated apps, and harassment. That’s why the Reserve Bank of India (RBI) introduced strict Digital Lending Guidelines to protect consumers and ensure ethical practices.
Let’s understand what these rules mean and how Vizzve Financial ensures RBI compliance at every step.
✅ What Are RBI’s Digital Lending Guidelines?
The RBI’s Digital Lending Guidelines (2024-2025) ensure that all online lending activities are transparent, regulated, and safe for borrowers. Here's what you should know:
🔍 Key Highlights:
| Rule Area | RBI Mandate |
|---|---|
| Lender Disclosure | Only RBI-registered NBFCs and banks can disburse loans. Platforms like Vizzve must disclose who the real lender is. |
| Loan App Registration | All digital lending apps must be listed with Sa-Dhan or DLAI and approved by RBI. |
| Loan Sanction Transparency | A clear Sanction Letter + Key Fact Statement (KFS) must be shared before disbursal. |
| Recovery Practices | Recovery calls limited to 3 times/day, only between 8 AM–7 PM, and must be non-threatening. |
| Consent-Based Data Use | Apps must take explicit permission to access your data (contacts, messages, etc.). |
🔐 Why These Rules Matter to You
Without RBI control, fake apps can:
Steal your data
Charge hidden fees
Harass you during collection
Not report your credit history
Thanks to RBI rules, you now get:
Transparent loan terms
Regulated interest & charges
Safe KYC and CIBIL reporting
Dispute redressal within 48 hours
📱 How Vizzve Financial Ensures RBI Compliance
At Vizzve, we’re committed to safe and transparent lending. Here's how we follow RBI's rules:
| RBI Rule | Vizzve Action |
|---|---|
| RBI-Registered Partners | We only work with certified NBFCs and banks |
| KFS Document | Every loan includes a detailed Key Fact Statement |
| Sanction Letter | Auto-generated & sent before disbursal |
| Digital Consent | Aadhaar, PAN, and Bank access done with your permission only |
| Grievance Support | We respond to complaints within 48 hours |
🧠 How to Identify a Safe Loan App in 2025
Before applying for a loan, ensure the app:
✅ Lists its RBI-registered NBFC or bank partner
✅ Offers a sanction letter + EMI breakup
✅ Takes consent before accessing your phone data
✅ Responds to complaints with a listed Grievance Officer
✅ Doesn’t demand upfront fees without approval
📲 CTA (Call to Action)
💼 Need a safe, instant loan?
Apply with confidence through Vizzve Financial – trusted, RBI-compliant, and 100% transparent!
RBI Digital Lending Guidelines 2025
Safe loan apps India
Vizzve RBI compliant platform
Loan apps approved by RBI
Key Fact Statement loan India
CIBIL reporting rules by RBI
Digital lending app registration norms