How to complain about a loan app to RBI Sachet in 2026

You can complain about a fake loan app on the RBI Sachet portal at sachet.rbi.org.in. This portal collects data on illegal apps to help the government block them. You must use this site only if the app does not have a registered NBFC partner. We explain the exact steps to file your report.

By Qrates research desk · 2026-10-27

Quick answer: How to complain about a loan app to RBI Sachet

Go to the official website at sachet.rbi.org.in and click the "File a complaint" button. Select "Digital Lending App" as the entity type from the list. Fill in the app details, upload screenshots of the harassment, and submit the form.

You should use the RBI Sachet portal only for unregistered or fake loan apps. If the app is legal and registered, this portal will not help you.

What you need before you start

You must gather your evidence before you delete the illegal lending app from your phone. The authorities need solid proof of the harassment to take action. Fake apps often disappear from app stores quickly. Keep these items ready on your device.

Screenshots of the app: Capture the main app profile. Make sure the screen shows the loan amount demanded and the repayment date.
Proof of harassment: Take screenshots of SMS threats. Save images of abusive WhatsApp messages from recovery agents.
Bank statements: Download your official bank statement in PDF format. Highlight the exact deposit or deduction related to the loan app.
App links: Copy the app download link from the Google Play Store or Apple App Store. You will need to paste this link into the complaint form.

Steps to file your complaint on the RBI Sachet portal

Filing a report on the portal takes a few minutes. You do not need to create an account to do this. Follow these exact steps on your phone or computer.

Visit the portal: Go to the official website at sachet.rbi.org.in. Click the "File a complaint" button on the home page.
Select the category: A disclaimer will appear on your screen. Read it and select "Digital Lending App" from the dropdown menu.
Provide app details: Enter the exact name of the app. Paste the app link and type in the bank account details where you received or sent the money.
Describe the issue: Type a short description of the problem. State the facts, such as the loan amount, the repayment made, and the exact threats received.
Upload proof: Upload your saved screenshots and bank statements as proof. Click the submit button at the bottom of the page.
Save your reference number: The portal will generate a reference number. Keep this number safe to check your RBI Sachet portal complaint status later.

Sachet vs 1930 Cyber Helpline vs RBI CMS: Where to complain

People often get confused about where to report a loan app. The correct portal depends entirely on whether the app is legal. It also depends on what the recovery agents are doing to you.

Situation	Where to complain	First step required
Fake app with no NBFC license	RBI Sachet	Gather screenshots and bank statements
Blackmail, morphed photos, contact list hack	1930 Cyber Helpline	Call the helpline immediately
Harassment by a registered NBFC	RBI CMS	Complain to the app grievance officer first

When to use RBI Sachet

Use RBI Sachet to report unregistered entities and fake loan apps. These are apps that have no official NBFC license to lend money in India. The RBI uses this portal to track illegal lending apps and build a database (RBI Sachet Portal sachet.rbi.org.in).

Before reporting, it is helpful to understand RBI digital lending rules to see if the app is violating specific compliance norms.

When to call the 1930 Cyber Helpline

Call 1930 or visit cybercrime.gov.in immediately if agents hack your contact list. You must also call if they send morphed photos to your family or commit financial fraud. This helpline connects you directly to the cyber police who handle criminal blackmail.

If you are currently facing threats, you can also learn more about how to stop loan app harassment using official guidelines.

When to use the RBI CMS

Use the RBI Complaint Management System (CMS) for registered banking apps and NBFCs. You can check if a loan app has a registered NBFC partner on the Qrates directory.

You cannot go straight to the RBI CMS. You must complain to the registered app's grievance redressal officer first. You must wait 30 days for a reply before you can escalate the issue to the RBI Ombudsman.

How long it takes and what it costs

Filing a complaint on the Sachet portal is completely free. You do not have to pay any fees to submit your details. The RBI uses this portal to gather intelligence on illegal apps operating in the market.

The RBI shares this data with state police and the government. The government uses this information to block the apps from app stores and telecom networks (pib.gov.in).

There is no fixed timeline for a reply. Sachet does not recover lost money for individual users. It is a reporting tool to stop the apps from harming others.

If it does not work

Sachet is an intelligence gathering tool, not a police station. Filing a report there does not automatically stop recovery agents from calling you.

If the harassment calls continue, you must file a formal police complaint. Register an FIR at your local police station for criminal intimidation and extortion. Take a printed copy of your Sachet complaint, your bank statements, and the screenshots with you. The local police have the legal power to investigate the numbers and arrest the culprits.

You can also file a detailed report on the National Cyber Crime Reporting Portal. This helps the cyber cell track the digital footprint of the scammers.

FAQs

Fake loan app ki complaint kahan kare?

Report fake loan apps to the RBI Sachet portal online. If the agents blackmail you or morph your photos, call the 1930 Cyber Helpline immediately.

Can RBI take action against fake loan apps?

The RBI does not arrest fake loan app operators directly. It sends the Sachet portal data to law enforcement agencies and the government to ban the apps.

How to check if a loan app is RBI registered?

Check the app's website for an NBFC partner name. You can verify this NBFC license number on the official RBI list or check the legal entities on the Qrates companies list.

The short version

Go to sachet.rbi.org.in and select "Digital Lending App" to report unregistered loan apps.
Take screenshots of the app, threatening messages, and bank statements before you delete the app.
Use the 1930 Cyber Helpline immediately for blackmail or morphed photos.
Use the RBI CMS only if the app has a registered NBFC partner.
File an FIR at your local police station if the harassment continues.