Is it really Rinn? Verify us and spot fake loan apps

Is Rinn real? Two names, one company

Yes, Rinn is real. Rinn is our personal loan app. Rinncrest — in full, Rinncrest Financial Technologies Private Limited — is the company that builds and runs it. That's why the app says Rinn, while the Play Store developer name, this website and our legal documents say Rinncrest. They're the same organisation.

The money itself is lent by a third name: our RBI-regulated lending partners (NBFCs and banks), listed on our Lending Partners page and named in your Key Fact Statement (KFS) — the short summary of your loan's rate, charges and terms that you see before you accept. Rinncrest is a Lending Service Provider (LSP): a company the lender authorises to run the digital journey for its loans. It runs the app and does not lend.

Official Rinn channels: app, numbers and email

If a channel isn’t listed here, it isn’t us.

Rinn app

Rinn on Google Play, developer Rinncrest Financial Technologies Private Limited. Android now, coming soon on iOS. We never share APK files or download links by message.

Package ID: com.rinncrestmobile
Play Store link: https://play.google.com/store/apps/details?id=com.rinncrestmobile

Website

rinncrest.in
Check the spelling in your browser bar. Lookalikes swap letters or add words such as “rinn-loan”.

Email

Only addresses ending @rinncrest.in
Never Gmail, Yahoo, Outlook or any other domain.

Rinn customer care

+91 81003 92196
support@rinncrest.in
In the Rinn app under Help

Grievance Officer

Bipasa Adhikary
grievance@rinncrest.in
+91 82309 07903

All contact options · Our lending partners

What Rinn will never do

• Never ask for money to approve or release a loan. Applying is free, and no upfront fee is ever collected before disbursal. Any applicable charges are shown in your Key Fact Statement and handled by the lender as set out there.
• Never ask for your OTP, UPI PIN, card details or passwords — by call, message, email or in the app.
• Never ask you to repay to an individual, a personal UPI ID, a QR code sent by message, or in cash. Repayments go only to the lender’s account shown in your KFS or in Rinn, through Rinn or your auto-debit mandate.
• Never ask you to install another app, a screen-sharing app or an APK file.
• Never access your contacts, photos, SMS or call logs, and never contact your family or friends about your loan.
• Never threaten, shame or abuse you, or post about you anywhere.
• Never promise "guaranteed" or "instant" approval. The lender decides after assessing your application.

How to check a call, message or link

Ask yourself these four questions. If the answer to any of them is yes, stop.

1. Are they asking for money before a loan is disbursed?
2. Are they asking for an OTP, PIN or password?
3. Did the message come from an email that doesn’t end in @rinncrest.in, or point to a website other than rinncrest.in?
4. Are they asking you to pay somewhere other than Rinn or your mandate?

How to find Rinn in RBI’s Digital Lending Apps directory

RBI keeps a public directory of Digital Lending Apps (DLAs), reported by the regulated lenders behind them. Rinn appears in it, as reported by our RBI-regulated lending partner. A listing shows that an app is linked to a regulated lender; it is not an approval, endorsement or certification of Rinn or Rinncrest by RBI.

1. Open the Reserve Bank of India website and go to the Digital Lending Apps directory.
2. Search for your lender’s name, exactly as it appears in your Key Fact Statement.
3. Look for Rinn in the list of apps linked to that lender.

Visit the Reserve Bank of India (opens in a new tab)

How fake loan apps work

Most loan scams follow one of a few patterns.

The advance-fee scam. You're promised a loan — often "pre-approved" or "guaranteed" — but first you must pay a "processing fee", "GST", "insurance" or "file charge". You pay, then another fee appears. The loan never does.

The data-grab app. An app from outside the Play Store, or a short-lived listing, asks for access to your contacts, photos and messages. It may disburse a small amount, then demand far more back within days — and threatens to message everyone in your phone if you don't pay.

The impersonator. Someone uses a real company's name, logo or a lookalike website to seem legitimate. They may call about a "loan offer", an "overdue EMI" or a "KYC update", and ask you to pay or share an OTP.

The fake recovery call. Someone claims you owe money on a loan — sometimes one you never took — and pressures you to pay immediately to a personal UPI ID or bank account.

Red flags of a fake loan app

Any one of these is reason to stop.

• A fee to approve or release a loan.
• “Guaranteed”, “instant” or “no checks at all” approval.
• An APK file or app link sent through WhatsApp or SMS.
• Requests for access to your contacts, photos, messages or call logs.
• No named lender, or no Key Fact Statement before you accept.
• A personal UPI ID, a QR code sent by message, or a cash payment.
• Threats, abuse, public shaming or pressure to act in minutes.

Always check the annual cost, including interest and charges. Understand APR and loan costs.

How to check if a loan app is RBI-registered

RBI registers lenders, not apps, so there is no such thing as an “RBI-approved” app. What you can check is which regulated entity (RE) — the RBI-registered bank or NBFC that actually lends — is behind an app, and whether it has reported that app to RBI.

1. Find the lender’s name. Look in the loan offer, the Key Fact Statement, the app’s website and its Play Store description for the lender’s full legal name. If you can’t find one, walk away.
2. Check the lender with RBI. Search RBI’s list of registered NBFCs (or banks) for that exact name, and match the Certificate of Registration number.
3. Check the Digital Lending Apps directory. Look for the same app, linked to the same lender. Not appearing, or appearing under a different lender, is a serious warning sign.
4. Check the Play Store developer. Compare the developer’s name, email, website and address with the lender or the service provider it names. For Rinn, the developer is Rinncrest Financial Technologies Private Limited.
5. Run the red-flag check. Even a listed app should name its lender, show a KFS before you accept and never ask for an upfront fee.
6. Report anything suspicious using the routes below.

How to report a fake loan app or fraud

Lost money or shared an OTP?

Call 1930, the National Cyber Crime helpline, then your bank. Report online at cybercrime.gov.in (opens in a new tab).

Threatened or harassed by a loan app?

Call 1930 or report at cybercrime.gov.in (opens in a new tab). You can also go to your local police station.

An unregistered app or lender?

Report it on RBI’s Sachet portal (opens in a new tab).

Someone is using Rinn’s name?

Email grievance@rinncrest.in with screenshots, the number, link or app name. It helps us warn others and get fakes taken down.

A fake app on Google Play?

Use Flag as inappropriate on its Play Store page, and tell us if it uses our name.

A regulated lender treated you unfairly?

Complain to the lender first. If your complaint is not resolved within 30 days of the lender receiving it, or you’re unhappy with the reply, you can complain to the RBI Integrated Ombudsman at cms.rbi.org.in or call 14448. How to raise a complaint.

Keep screenshots, call logs, payment references, the app’s name and the link you downloaded it from. Don’t delete the app or messages until you’ve reported — they’re evidence.

If a loan app is harassing you

If an app you never meant to trust is threatening you or messaging your contacts:

• Don't pay to make it stop. Payments to these apps usually lead to bigger demands.
• Stop sharing. Revoke the app's permissions in your phone's settings, then uninstall it after you've saved screenshots.
• Report it on 1930 or cybercrime.gov.in, and to Sachet.
• Warn the people in your contacts, briefly, that they may get false messages about you and should ignore them.
• Talk to someone you trust. You've done nothing shameful; you were targeted by criminals.

If the harassment names Rinn or Rinncrest, tell us immediately. Rinn doesn't access your contacts, so messages to your contacts claiming to be from Rinn are not from us.

Questions people ask