How to complain about a loan app to RBI Sachet: 2026 guide

If an illegal loan app is harassing you, you can report it to the Reserve Bank of India through the Sachet portal. This guide explains how to file a complaint, what evidence you need, and when to call the 1930 cyber police helpline instead.

By Qrates research desk · 2026-10-27

If an illegal loan app is harassing you, you can report it to the Reserve Bank of India through the Sachet portal. This website is meant for unregistered apps that blackmail users or deposit money without permission. If the app is a registered lender, you must use the RBI Ombudsman instead.

Quick answer

To complain about an illegal loan app, visit sachet.rbi.org.in and click the "File a complaint" button. You use the Sachet portal for fake or unregistered apps, and the RBI Ombudsman for registered NBFCs. You will need screenshots of the harassment, your bank statements, and the app name to complete the form.

What you need before you start

Immediate steps: blocking access and collecting digital evidence

Fake loan apps steal your data to blackmail you. Revoke phone permissions for your contacts and gallery immediately. You can do this in your phone settings under app permissions.

Next, take screenshots of WhatsApp threats, SMS messages, and call logs from recovery agents. Download your bank statement showing the exact unsolicited transfer or repayment. Fraudsters often deposit money into accounts without asking, which became a common scam in September 2026.

Checking the NBFC license

The RBI has two different complaint websites. The one you use depends on whether the app has a real licence. Search the app name in the Qrates loan apps directory to perform an NBFC license check.

The RBI digital lending guidelines apply only to registered entities. If the app is a registered NBFC, you must file your complaint with the RBI Ombudsman. If the app is fake, unregistered, or missing from the directory, you file a fake loan app complaint rbi on the Sachet portal.

Feature	RBI Sachet	RBI Ombudsman
Who it is for	Fake or unregistered apps	Registered NBFCs and banks
Website	sachet.rbi.org.in	cms.rbi.org.in
Main purpose	Tracking illegal money collection	Solving disputes with licensed lenders
Who takes action	State police and SLCC	RBI Ombudsman

Step-by-step guide to filing on the RBI Sachet portal

Filing a rbi sachet portal loan app complaint takes a few minutes. Keep your screenshots ready before you begin. Follow these exact steps to register your complaint.

Open sachet.rbi.org.in on your phone or computer.
Select your preferred language from the top menu. A June 2026 update to the portal added support for 13 languages (RBI Sachet Portal).
Click on the "File a complaint" box on the homepage to start your sachet rbi org in complaint registration.
Select "Entity not registered with RBI" when asked for the entity type.
Fill in the fake app name, the phone numbers used to harass you, and your own contact details.
Upload proof in the attachment section using your screenshots and bank statements.
Submit the form and write down the complaint reference number.

How long it takes and what it costs

Filing a complaint on the RBI Sachet portal is completely free. The form takes about 10 to 15 minutes to fill out if you have your documents ready. You do not need to pay anyone to file this for you.

The RBI reviews the complaint first. They then forward it to the State Level Coordination Committee (SLCC) or the Economic Offences Wing of your state police.

Action timelines vary by state. You can track the status using your reference number on the Sachet website.

If it does not work

Sometimes the harassment by recovery agents does not stop immediately. The Sachet portal helps the RBI track illegal lending apps, but it is not an emergency police service. You can verify the official registration status of any lending app at the Qrates loan apps directory.

Reporting to the National Cyber Crime Reporting Portal

If the harassment continues or money is stolen from your account, escalate the issue to the cyber police. Call the cyber police 1930 helpline immediately to report financial fraud. This is the official national helpline for a rbi cyber crime complaint loan app issue (National Cyber Crime Reporting Portal).

You can also visit cybercrime.gov.in to file a formal police complaint. You can report the illegal lending app and the recovery agents there. This registers a direct cyber crime complaint that the local police must investigate.

FAQs

How do I report a fake loan app to RBI?

You report fake apps on the RBI Sachet portal at sachet.rbi.org.in. Click "File a complaint" and choose "Entity not registered with RBI". Upload your bank statements and screenshots of the harassment to complete the form.

Loan app harassment ki complaint kahan kare?

If the app is fake, complain on the RBI Sachet portal and call the 1930 cyber police helpline. If the app is a registered NBFC, complain on the RBI Ombudsman portal at cms.rbi.org.in. You can check the app's licence on the Qrates directory.

What happens after complaining on RBI Sachet?

The RBI reviews your complaint and checks the details. They forward the information to your state police or the State Level Coordination Committee. You can track the progress using your complaint reference number on the portal.

Can RBI take action against unregistered loan apps?

The RBI does not directly arrest makers of unregistered apps. They share the data with law enforcement agencies and the government to block the apps. The local police handle the actual criminal investigation.

Loan app wale contact list hack kar le to kya kare?

Remove the app's permission to see your contacts in your phone settings immediately. Tell your family and friends that your phone was compromised by a fake app. Then file a complaint at cybercrime.gov.in.

The short version

Fake loan apps are reported to the RBI Sachet portal.
Registered NBFCs are reported to the RBI Ombudsman.
You need screenshots of threats and bank statements to file a complaint.
The June 2026 Sachet update allows you to file in 13 languages.
For immediate police help, call the 1930 cyber crime helpline.