Assessments
Fibe app loan: safe or not? Who actually lends to you
Fibe is an app, not a lender. Its Play listing names the owner, an NBFC arm and 13 partners; a copy of RBI's app directory shows six. What it means.
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7 articles
Assessments
Loan app cooling-off period in India: how many days?
The RBI's 2025 Directions set a one-day floor and let each lender's board fix the rest. What you pay to exit, and why 'three days' is the old rule.
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Checking a pindar licence in Indonesia: the list and the WhatsApp bot, assessed
OJK gives an Indonesian borrower three ways to answer one question about a lending app. Assessed on what the list and the bot can confirm, and on the gap all three share.
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The DLA directory against the NBFC register, assessed as licence checks
Two lists the Reserve Bank publishes, answering two different questions about a loan app. Assessed on what each one can actually confirm, and on the gap a borrower falls into between them.
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The NBFC Internal Ombudsman, assessed as a redress route
A complaint stage a borrower cannot apply to, cannot see, and does not pay for. Assessed on what automatic escalation is worth, and on who appoints the person doing the reviewing.
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Collections conduct, assessed as a product feature
How a lender behaves when a borrower falls behind is a designed part of the product. Assessed on what the rules require, what is disclosed upfront, and what borrowers report.
Assessments
The Key Fact Statement, assessed as a consumer tool
India's mandated one-page loan summary is the most useful document in regional digital lending. Assessed on what it standardises, and where it stops helping.