LendingPlate customer service — Verified IN phone numbers, complaint & refund help

RBI Fair Practices Code and the RBI Digital Lending Guidelines both restrict recovery calls to reasonable hours. If a LendingPlate recovery agent (in-house or third-party) calls outside this window, record the call, note the caller ID, and email care@lendingplate.com with the timestamps within 24 hours. The lender must close the complaint within 30 days; if unresolved, file on cms.rbi.org.in against Unifinz Capital India Limited.

The Code allows contact with a reference only if the borrower has been unreachable for 7+ consecutive days despite multiple documented attempts. Calls to a spouse, parent, or HR before that window are a clear violation. Ask the caller to identify themselves by full name + agency name + LendingPlate case ID — real collection agents must disclose all three. Refusal to identify is itself a violation and grounds for the RBI CMS complaint.

LendingPlate's disbursal SLA is 30 minutes to 24 hours via IMPS. If the sanction is 'approved' but no credit shows, first check the bank account IFSC on the sanction letter — a single wrong digit sends the money into limbo for 3–5 days until it auto-reverses. Call the LendingPlate customer care number +91 7373 73 7316 with the sanction reference for a manual re-push.

LendingPlate's 30-day loans price the flat interest at 1–1.5% plus a 3–5% processing fee — this maps to an APR of 30–60% because the tenure is so short. This is legal and is disclosed in the KFS before you sign. Compare LendingPlate's APR to a longer-tenure personal loan from a bank before signing; the absolute rupee cost on a 30-day ₹5,000 loan can still be smaller than a bank's minimum charge.

LendingPlate never collects any fee before disbursal — every fee is deducted from the loan amount before it hits your bank. Any WhatsApp / Instagram DM / phone call asking for a ₹500–₹5,000 advance in the name of LendingPlate is a scam. Report to cybercrime.gov.in and cross-check on lendingplate.com/contact-us.

A 'written off' status can drop your CIBIL score by 100+ points and blocks future personal loans for 3–5 years. Get a Loan Closure Statement + NOC from LendingPlate (care@lendingplate.com), then raise a member-dispute on cibil.com attaching the closure proof. LendingPlate must respond to CIBIL's dispute API within 30 days.

Foreclosure is done inside the app under 'Active Loans → Foreclose'. For floating-rate salaried loans there is generally no foreclosure charge under RBI norms; for fixed-rate short-tenure products a 2–4% charge may apply. Ask for the exact foreclosure statement in writing before paying.

LendingPlate charges around ₹500 + GST per NACH bounce. First-time bouncers due to a delayed salary credit can request a waiver on the same day of the bounce — email care@lendingplate.com with a bank-statement screenshot showing the balance became available later that day.

Ask three things: (1) full legal name of the calling agent, (2) agency name, (3) your LendingPlate loan account number's last 4 digits. A real agent should be able to identify the case without asking for OTP or UPI PIN. Then hang up and call back the LendingPlate customer care number +91 7373 73 7316 to confirm the case is real before sharing any information.

Under RBI's September 2022 Digital Lending Guidelines, LendingPlate can only access data essential for underwriting — camera for KYC, SMS for bank-credit parsing, and one emergency contact. It cannot scrape your entire contact book or gallery. You can revoke the permissions from Android settings after disbursal without breaching the loan contract.

The OTP originates from UIDAI, not LendingPlate. Verify the mobile linked to your Aadhaar on resident.uidai.gov.in — if the number is old, update it at your nearest Aadhaar Seva Kendra (₹50 charge). LendingPlate cannot bypass the UIDAI OTP.

LendingPlate auto-issues the NOC within 5 working days of the final EMI clearing. Missing after 7 days? Email care@lendingplate.com with the closure receipt — the NOC is re-generated within 24 hours. Request the NOC on Unifinz Capital India Limited letterhead if you plan to apply for a housing / education loan later, since some banks reject the branded LendingPlate PDF.

Call +91 7373 73 7316 immediately (24/7). LendingPlate will freeze the card, issue a provisional credit within 10 business days under Regulation E (US) or the equivalent local rule, and ship a replacement card in 3–5 days.

Three failed password attempts lock the account. Use the 'forgot password' flow with your registered phone/email; if both fail, call +91 7373 73 7316 with your account number and answer the knowledge-based questions. Branch visits with ID also unlock instantly.