RBI operationalises Digital Lending Apps (DLAs) directory from 01.07.2025 to help verify association with regulated entities
RBI has made a Digital Lending Apps directory available to help borrowers check whether an app claims association with a regulated entity.
- The Reserve Bank of India has operationalised a public directory of Digital Lending Apps to help customers verify whether an app claims association with a regulated entity.
- The Government of India has been engaging with the Reserve Bank of India and other regulators and stakeholders to curb fake and illegal loan apps.
The Reserve Bank of India has operationalised a Digital Lending Apps (DLAs) directory on its website with effect from 01.07.2025. The directory is intended to help borrowers verify whether a digital lending app claims association with a Reserve Bank of India regulated entity.
The development matters because fake and illegal loan apps have been a recurring consumer-protection and financial-fraud concern in India. A public directory gives borrowers a simple verification tool before they share personal data, grant permissions, or accept loan terms through an app.
Background and earlier position
UPSC can ask about the Reserve Bank of India’s role in regulating digital lending, the risk posed by illegal loan apps, and the need for borrower verification systems. The topic also links to financial-sector governance, grievance protection, and the distinction between regulated entities and unregulated intermediaries.
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