The Reserve Bank of India (RBI) has appealed to people to beware of digital money lending mobile apps that provide instant loans. The scam involving crores of rupees has come to light. Three people from Andhra Pradesh have committed suicide after taking a loan from a similar app
In fact, many companies promise to offer loans at attractive interest rates in a short period of time. The latter is forced to recover the remaining amount. The popularity of such services increased during the Corona period among people going through economic hardships.
What's the whole matter?
A few days ago, police raided the finance offices of four instant loan apps in Gurugram and Hyderabad. Two of these offices are in Gurugram and two in Hyderabad. His entire network of offices operated from Jakarta.
Hyderabad Joint Commissioner of Police Avinash Mohanty said 30 loan apps were running in all the four offices. These apps provided loans to people at 35% interest without RBI approval. That means the money was going to double in three months. These mobile apps used to scare and intimidate the borrowers if the loan installment was not paid on time. The whole affair came to light when three people committed suicide in Hyderabad after being harassed by these threats and harassment.
Did the RBI appeal for caution?
People are falling prey to digital fraud in the cycle of quick loans. So don't take a loan through mobile apps. Because your documents may be tampered with.
Check all records of the lending company. Such companies charge customers high interest rates, as well as hidden charges that are not initially known to customers.
Customers should not give a copy of their KYC document to a stranger or app.
Where do you complain about this type of fraud?
Customers can complain about such apps and bank accounts online. The name of this online portal is Sachet.
You can complain online by going to the link https://sachet.rbi.org.in/.
Also Read: How to Avoid Online Fraud ?: Learn Fake Customer Care and Social Media Fraud
તમે https://sachet.rbi.org.in/ લિંક પર જઈને ઓનલાઈન ફરિયાદ કરી શકો છો.
How to identify a fraudulent loan?
According to the RBI, all digital lending apps must disclose to the customer the bank or NBFC through which they make futures.
અહીંથી વાંચો સંપુર્ણ ગુજરાતી રીપોર્ટ
The name and address of the registered NBFC can be found by visiting the website of the Reserve Bank. Complaints can be lodged against them through the portal.
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