One Wrong Click. Your Aadhaar, PAN & Bank Info—Gone.
The rise of instant digital loans has also opened the floodgates for scam loan apps that steal your personal data and money—especially your Aadhaar.
In 2025, fraudsters are smarter. But you can be smarter too.
Here’s how to spot a fake loan app before it ruins your life.
7 Red Flags of a Fake Loan App
1.Not Listed on Google Play Store or iOS App Store
Fake apps often circulate via WhatsApp, Telegram, or shady websites.
✅ Real lenders like Vizzve are always available on verified app stores.
2. No RBI-Registered NBFC Partner
Check if the app mentions a valid NBFC license number or lending partner.
Go to RBI’s NBFC list and verify.
❌ If it’s missing, it’s probably a scam.
3. Demands Upfront “Processing Fees”
Real lenders deduct charges from the approved loan amount—not before.
⚠️ If they ask for UPI payments before disbursing, exit immediately.
4. Asks to Upload Aadhaar + PAN Without SSL
Check for a lock symbol 🔒 in the browser/app.
No HTTPS? No security.
✅ Vizzve uses bank-level encryption to protect all documents.
5. Excessive App Permissions
Does the app want access to:
Contacts
Photos
Location
Call logs?
These permissions can be used to harass you and your family later.
🛑 Decline. Uninstall.
6. No Website or Office Details
Every legit financial company has a verifiable website, customer care number, and privacy policy.
Google their name. If nothing shows up, you’ve found a ghost app.
7. Threatens You After Loan Approval
Fake apps approve ₹2,000–₹5,000 instantly… then start threatening you for ₹10,000+ repayment in 2 days.
They use stolen contact lists to shame borrowers publicly.
👉 Legit lenders never harass. Vizzve follows RBI-compliant recovery methods.
How Vizzve Finance Keeps You Safe
✅ Listed on Google Play
🛡️ RBI-authorized NBFC partner
🔒 Fully encrypted Aadhaar & PAN upload
🧾 Transparent terms, zero harassment
🧠 Smart fraud filters for customer protection
FAQs
Q1. Is it safe to upload my Aadhaar to loan apps?
Only if the app is RBI-regulated and encrypted. Vizzve is fully compliant and secure.
Q2. What to do if I shared Aadhaar with a fake app?
Immediately:
Freeze your Aadhaar via UIDAI portal
File a police cybercrime complaint
Inform your bank and credit bureau
Q3. Can scammers misuse my PAN card too?
Yes. PAN can be used for identity fraud and loan scams. Share only on secure, verified platforms like Vizzve.
Published on : 24th July
Published by : SMITA
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RBI-Registered Loan Partner | 10 Lakh+ Customers | ₹600 Cr+ Disbursed