Kaapi
Our Partners and Third Party Disclosures
Under the Reserve Bank of India (Digital Lending) Directions, 2025, a lending service provider must disclose the name of every regulated entity it works with. This page is that disclosure, and we update it whenever a partner is added or removed.
We separate lenders from distribution partners below, because only a bank or an NBFC can actually lend to you. A distributor is a channel, not a lender.
For the technology providers and the credit bureau that handle your personal data, see section 7.1 of our Privacy Policy.
1. Lending partners
Kaapi Money does not currently have a direct relationship with any bank or NBFC.
We work with two partners, both of which are distribution channels rather than lenders. Neither of them lends money either. Each connects you onward to a bank or an NBFC, and that regulated entity is the one that actually lends to you.
This means that when you apply for a loan through Kaapi Money, there are three parties involved: Kaapi Money, the distribution partner, and the bank or NBFC that lends. You will be told the name of the lending bank or NBFC before you commit to anything, and that lender will issue you a Key Fact Statement setting out the interest rate, all fees, the repayment schedule, and its own grievance officer’s contact details. Your loan agreement is with that lender.
1A. Distribution partners
A distribution partner is not a lender. It is a channel that connects borrowers to banks and NBFCs.
InstaMoney, operated by Roctogen Services Private Limited
Entity type: Loan Service Provider. Connects borrowers to lenders, and does not lend itself
CIN: U74900MH2025PTC442675
Registered address: Gala 2, CTS No. 141, Kuber Chambers, Datta Mandir Road, Malad East, Mumbai 400097, Maharashtra
Role: Connects borrowers to its partnered regulated entities. Roctogen is not involved in sanctioning, underwriting, pricing, or recovery of loans. Those functions are carried out by the lender
Lenders in its network include: Innofin Solutions Private Limited and Aeroflex Finance. The specific lender for your loan is disclosed to you at the time of application
Email: cs@instamoney.app
Hours: Monday to Friday, 9:30 AM to 5:30 PM
Response: Acknowledged within one working day, initial response within 15 working days
Mr. Vishal Poddar
Email: grievance@instamoney.app
Address: Gala 2, CTS No. 141, Kuber Chambers, Datta Mandir Road, Malad East, Mumbai 400097, Maharashtra
Their policies
Privacy Policy: https://www.instamoney.app/privacy-policy/
Fair Practice Code: https://www.instamoney.app/fair-practice-code/
Grievance Redressal Mechanism: https://www.instamoney.app/grievance-redressal-mechanism/
Andromeda Sales and Distribution Private Limited
Entity type: Loan distributor and Direct Selling Agent aggregator. Connects borrowers to lenders, and does not lend itself
CIN: U74900MH2008PTC181654
Role: Provides access to loan products from its network of partner banks and NBFCs
What this means for you: Andromeda does not lend. Before you apply for any loan sourced through this channel, we will tell you the name of the bank or NBFC that will actually lend to you, and that lender will issue you a Key Fact Statement setting out the interest rate, fees, and its own grievance officer’s details. Complaints about your loan go to that lender
Where to complain about a loan
If your complaint concerns a loan itself, being the amount, the interest, the fees, the repayment schedule, or recovery, it goes to the bank or NBFC named in your loan agreement. If it concerns the application process, you can raise it with the distribution partner above, or with us at grievance@kaapi.money and we will follow it up alongside you.
2. Credit information companies
We fetch your credit report and credit score from the credit information companies listed below, with your consent, as a soft enquiry.
Experian Credit Information Company (India) Private Limited
Data shared with them: PAN, name, date of birth, mobile number
Data received from them: Credit score, credit report, account history, enquiry history
Dispute a credit report error: https://www.experian.in/consumer/dispute
Consumer support: consumer.support@experian.com
3. What we do not share
We do not sell or rent your personal information to anyone.
We share your data only with the partners named on this page, and only for the purpose described against each of them. Where a lending or distribution partner is involved, we share your profile only after you have selected a specific offer and confirmed, and we tell you the name of the entity before you confirm.
We do not share your data with lead generation firms, data brokers, or any party not named on this page.
4. Questions
Nodal Grievance Officer (digital lending): Sushmita Das, Director · grievance@kaapi.money · +91 90145 29928
Data Grievance Officer: Sridhar Sirugudi, Director · grievance@kaapi.money · +91 90145 29928
Profitse Technologies Private Limited, No. 472/7, Balaji Arcade, 2nd & 3rd Floor, A.V.S Compound, Koramangala VI Block, Bengaluru South, Bengaluru 560095, Karnataka