{"id":165306,"date":"2026-05-09T04:52:02","date_gmt":"2026-05-09T10:22:02","guid":{"rendered":"https:\/\/newslink360.space\/?p=165306"},"modified":"2026-05-09T04:52:02","modified_gmt":"2026-05-09T10:22:02","slug":"big-game-is-being-played-in-the-name-of-instant-loan-without-cibil-know-how-fake-apps-are-making-people-victims","status":"publish","type":"post","link":"https:\/\/newslink360.space\/?p=165306","title":{"rendered":"Big game is being played in the name of instant loan without CIBIL, know how fake apps are making people victims"},"content":{"rendered":"<p><\/p>\n<div id=\"story-10460067\">\n<div class=\"jsx-b66a0d215ba3ecb0 ltu pwdby\"><span class=\"jsx-b66a0d215ba3ecb0\">Powered by :<\/span><a href=\"https:\/\/www.tech2.com\/\" target=\"_blank\" class=\"jsx-b66a0d215ba3ecb0\" rel=\"noopener\"><img decoding=\"async\" loading=\"lazy\" alt=\"Tech2Logo\" title=\"Tech2Logo\" placeholder=\"data:image\/jpeg;base64,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\" style=\"width:100%;height:auto\" src=\"https:\/\/images.news18.com\/dlxczavtqcctuei\/news18\/static\/images\/tech2\/tech2-v2.svg?impolicy=website&amp;width=48&amp;height=12\" class=\"tch2logo\" height=\"12\" width=\"48\"\/><\/a><\/div>\n<p><span class=\"jsx-b66a0d215ba3ecb0\">Last Updated:<\/span><time class=\"jsx-b66a0d215ba3ecb0\">May 09, 2026, 15:46 IST<\/time><\/p>\n<h2 id=\"asubttl\" class=\"jsx-204852691 asubttl\">Fake and so-called Chinese loan apps steal people&#8217;s mobile data by luring them with instant loan without CIBIL. After this, incidents like charging high interest, abuses, blackmail and sending threatening messages to the people present in the contact list come to light. In view of such cases, the Reserve Bank of India (RBI) has issued many strict guidelines regarding digital loans. <\/h2>\n<figure class=\"jsx-204852691 amimg\">\n<div class=\"jsx-5bcc1d6da4c3bd16\">\n<div style=\"position:relative\" class=\"jsx-5bcc1d6da4c3bd16 \"><img alt=\"The web of loan giving apps without CIBIL, one click and you can become a pauper!\" loading=\"lazy\" width=\"640\" height=\"480\" decoding=\"async\" data-nimg=\"1\" style=\"color:transparent;width:100%;height:auto\" src=\"https:\/\/images.news18.com\/ibnkhabar\/uploads\/2026\/05\/image-2026-05-eef1bad27179d2ada352c9c28eefc0df.jpg?impolicy=website&amp;width=640&amp;height=480\"\/><span id=\"fullscreen_open_button\" class=\"jsx-5bcc1d6da4c3bd16 imgzoom tap_to_zoom\"><img alt=\"Zoom\" loading=\"lazy\" width=\"28\" height=\"28\" decoding=\"async\" data-nimg=\"1\" class=\"tap_to_zoom\" style=\"color:transparent\" src=\"https:\/\/images.news18.com\/dlxczavtqcctuei\/news18\/static\/images\/english\/zoom-img.svg\"\/><\/span><\/div>\n<\/div>\n<p><span class=\"jsx-204852691 imgcap\">Advertisement of instant loan without CIBIL can make you bankrupt! (Photo- AI)<\/span><\/figure>\n<div class=\"jsx-204852691 artbody\"><strong>New Delhi.<\/strong> If you are also tempted by seeing advertisements like &#8216;Take loan in 5 minutes without CIBIL score&#8217; on social media or mobile messages, then stop. This is a trap that can not only ruin your financial condition but can also hurt your reputation. In recent times, &#8216;Chinese loan apps&#8217; and fake digital lenders have made thousands of Indians their victims.<\/p>\n<p>These fake loan apps offer attractive advertisements and promise instant money without any documentary verification or CIBIL score. As soon as you install the app, it asks for access to your contacts, gallery and location. The loan amount is small, but the interest rates can range from 300% to 500%. The real game starts when you can&#8217;t pay. These apps call the contacts stolen from your phone and threaten to make your private photos viral by tampering them.<\/p>\n<p><strong>RBI&#8217;s strict rules, &#8216;shield&#8217; for your safety<\/strong><br \/>The Reserve Bank of India (RBI) has made the rules regarding digital lending more stringent.<\/p>\n<ul class=\"ul_block\">\n<li>Registration required: No app can give loan on its own. It is necessary for him to be registered with a bank or NBFC. The name of that partner should be clearly written on the app.<\/li>\n<li>Key Fact Statement (KFS): Before giving the loan, the app will have to provide you a &#8216;Key Fact Statement&#8217;, which will have clear details of interest, fees and total amount to be repaid. If anything is hidden in it, then it is illegal.<\/li>\n<li>Restrictions on data access: No loan app can now ask for access to your contact list, gallery or files. They can only access the camera or mic (for KYC).<\/li>\n<li>Cooling-off period: After taking the loan, if you do not like the terms, you have 3-7 days in which you can return the loan without any penalty.<\/li>\n<\/ul>\n<p><strong>How to avoid fake loan apps?<\/strong><\/p>\n<ul class=\"ul_block\">\n<li>Download only trusted apps from Google Play Store or Apple App Store.<\/li>\n<li>Before downloading the app, read its rating and review.<\/li>\n<li>Avoid giving access to Contacts and Gallery to any app.<\/li>\n<li>Do not immediately trust claims like no documents, guaranteed loan and no CIBIL.<br \/>Check whether the app is linked to an RBI-registered bank or NBFC<\/li>\n<\/ul>\n<p><strong>How and where to complain?<\/strong><br \/>If you have fallen into the trap of such an app, then do not be afraid, rather take these steps-<\/p>\n<ul class=\"ul_block\">\n<li>National Cyber \u200b\u200bCrime Portal: Immediately register your complaint by visiting www.cybercrime.gov.in.<\/li>\n<li>Helpline number 1930: In case of any financial fraud, dial &#8216;1930&#8217; immediately. This is the helpline of the Government of India.<\/li>\n<li>Sachet Portal: Give information about fake apps on RBI&#8217;s &#8216;Sachet&#8217; portal (sachet.rbi.org.in).<\/li>\n<li>Local Police: Give a written complaint to your nearest police station or cyber cell.<\/li>\n<\/ul>\n<\/div>\n<div class=\"jsx-5d5943d0494ab899 atawrap\">\n<h2 class=\"jsx-5d5943d0494ab899 atahead\">About the Author<\/h2>\n<div class=\"jsx-5d5943d0494ab899 atadetailwrp\">\n<div class=\"jsx-5d5943d0494ab899 ataname\"><span class=\"jsx-5d5943d0494ab899 atthumb\"><\/p>\n<figure class=\"jsx-5d5943d0494ab899\">\n<div style=\"min-height:52px;margin:0\"><img decoding=\"async\" src=\"https:\/\/images.news18.com\/ibnkhabar\/uploads\/2025\/10\/vkjha-photo-2025-10-d11446fdb1582c20fe5fb80950cf5841.jpg?impolicy=website&amp;width=52&amp;height=52\" alt=\"authoring\" title=\"authoring\" width=\"52\" height=\"52\" class=\"\"\/><\/div>\n<\/figure>\n<p><\/span><\/p>\n<div class=\"jsx-5d5943d0494ab899 attitle\"><a href=\"https:\/\/hindi.news18.com\/byline\/vinoy-jha-1533.html\" class=\"jsx-5d5943d0494ab899 atamail\" target=\"_blank\" rel=\"noopener\">Vinay Kumar Jha<\/a><span class=\"jsx-5d5943d0494ab899 atadesig\">Senior Copy Editor<\/span>Presently Vinay Kumar Jha is working as Senior Copy Editor in Network18&#8217;s website hindi.news18.com. He has been associated with this website since May 2017. He is currently working in the business section of the website for the last 5 years.<span class=\"jsx-5d5943d0494ab899 aurpdebtn\">read more<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"jsx-d5bfdc744409326a artnws newsletter\">\n<div class=\"jsx-d5bfdc744409326a artnwhed\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"14\" viewbox=\"0 0 18 14\" fill=\"none\" class=\"jsx-d5bfdc744409326a\"><path d=\"M1.75 14C1.26875 14 0.856771 13.8286 0.514063 13.4859C0.171354 13.1432 0 12.7312 0 12.25V1.75C0 1.26875 0.171354 0.856771 0.514063 0.514063C0.856771 0.171354 1.26875 0 1.75 0H15.75C16.2313 0 16.6432 0.171354 16.9859 0.514063C17.3286 0.856771 17.5 1.26875 17.5 1.75V12.25C17.5 12.7312 17.3286 13.1432 16.9859 13.4859C16.6432 13.8286 16.2313 14 15.75 14H1.75ZM8.75 7.875L1.75 3.5V12.25H15.75V3.5L8.75 7.875ZM8.75 6.125L15.75 1.75H1.75L8.75 6.125ZM1.75 3.5V1.75V12.25V3.5Z\" fill=\"#333333\" class=\"jsx-d5bfdc744409326a\"\/><\/svg>News18 Newsletter<\/div>\n<p>Inside stories now on email<\/p>\n<p>The news behind the news, now in your inbox<\/p>\n<p><input type=\"text\" placeholder=\"\u0905\u092a\u0928\u093e \u0908\u092e\u0947\u0932 \u0921\u093e\u0932\u0947\u0902\" class=\"jsx-d5bfdc744409326a artnwinpt\" value=\"\"\/><button type=\"button\" class=\"jsx-d5bfdc744409326a subscrbe newsletter\">submit<\/button><\/p>\n<\/div>\n<section id=\"bottomNavDetails\" class=\"jsx-1293521762\">\n<div class=\"jsx-1293521762 atbtlink Location\"><span class=\"jsx-1293521762\">Location:<\/span><\/p>\n<p><span class=\"jsx-1293521762 link\">New Delhi,<\/span><span class=\"jsx-1293521762 link\">Delhi<\/span><\/p>\n<\/div>\n<\/section>\n<\/div>\n<p><a href=\"https:\/\/hindi.news18.com\/news\/tech\/apps-loan-app-fraud-cyber-security-rbi-guidelines-complaint-ws-e-10460067.html\" target=\"_blank\" rel=\"noopener\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Powered by : Last Updated:May 09, 2026, 15:46 IST Fake and so-called Chinese loan apps steal people&#8217;s mobile data by luring them with instant loan without CIBIL. After this, incidents like charging high interest, abuses, blackmail and sending threatening messages to the people present in the contact list come to light. In view of such&#8230;<\/p>\n","protected":false},"author":1,"featured_media":165307,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[119],"tags":[],"class_list":["post-165306","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-top-stories"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/newslink360.space\/wp-content\/uploads\/2026\/05\/image-2026-05-eef1bad27179d2ada352c9c28eefc0df-1200x630.jpg","jetpack_likes_enabled":true,"jetpack-related-posts":[],"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/pgnRh4-H0e","_links":{"self":[{"href":"https:\/\/newslink360.space\/index.php?rest_route=\/wp\/v2\/posts\/165306","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/newslink360.space\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/newslink360.space\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/newslink360.space\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/newslink360.space\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=165306"}],"version-history":[{"count":0,"href":"https:\/\/newslink360.space\/index.php?rest_route=\/wp\/v2\/posts\/165306\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/newslink360.space\/index.php?rest_route=\/wp\/v2\/media\/165307"}],"wp:attachment":[{"href":"https:\/\/newslink360.space\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=165306"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/newslink360.space\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=165306"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/newslink360.space\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=165306"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}