Udgir KalyanPay Loan App Review – Hello and welcome to Celestial Wish. In today’s article, we will talk about a loan app called Udgir KalyanPay, available on the Play Store with the package name com.kalyan.pay.app. Many users are asking whether this app is real or fake, safe or a scam.
After our research and personal findings, we can confirm that the Udgir KalyanPay Loan App is fake and dangerous. It is strongly advised not to download or use this app.
What is the Udgir KalyanPay Loan App?
The Udgir KalyanPay app claims to provide quick and easy loans. It may look like a normal loan app, but several red flags show it is a fraudulent platform designed to steal personal data and trick users into financial scams.
Not Registered With RBI or NBFC
All legal and genuine loan apps in India are registered either with the Reserve Bank of India (RBI) or operate under a licensed Non-Banking Financial Company (NBFC). These registered apps are listed on the official RBI website and follow strict lending and privacy rules.
However, Udgir KalyanPay is not registered with RBI or any NBFC, which means it is not authorized to provide loans in India. Using such unregistered apps can lead to data theft, financial fraud, and illegal recovery practices.
Why You Should Avoid This App
- Data Theft : The app scans your phone number, contacts, photos, and files without permission.
- Unauthorized Money Transfers : It sends money to your account without your consent and later demands repayment with very high interest and hidden fees.
- No Real Customer Support : Even if you contact them to stop, they ignore your requests and continue sending money or messages.
- Threats and Harassment : If you stop responding, they threaten to share morphed (edited) photos with your contacts to scare you into paying.
- Emotional Blackmail : Some victims even receive fake or nude images to threaten and harass them.
These are clear signs of a scam loan app that can lead to both financial loss and emotional stress.
Personal Finding
According to a personal experience shared with us:
The Udgir KalyanPay app scanned my mobile data and contacts. They sent money into my account without applying, then started demanding repayment with huge interest. When I tried to stop, they threatened to send edited photos to my friends and family.
This matches the pattern seen in many illegal loan app scams reported across India.
What To Do If You Installed The App
If you already downloaded or interacted with the app:
- Repay All the Dues, and Uninstall the app immediately.
- Ask them to not deposit any money in account without your request.
- Take screenshots of all messages, threats, and transactions as proof, if any.
- Inform your bank and change your passwords and PINs.
- Report the case at www.cybercrime.gov.in or call the national cyber helpline 1930.
- Warn your contacts that scammers might send fake photos or messages from your number.
Tips To Stay Safe From Fake Loan Apps
- Download only apps from verified banks or NBFCs (listed on RBI’s official website).
- Always check app permissions before installing.
- Never share OTPs, bank info, or photos with unknown apps or agents.
- Read real user reviews before trusting any loan app.
- If the app asks for access to contacts, camera, or storage – it’s a red flag.
Conclusion
Udgir KalyanPay Loan App is Fake and Unsafe.
It is a scam app that causes data leaks, financial fraud, and blackmail.
Please do not download or use this app under any circumstances.
If you are a victim, report it immediately to the cybercrime portal or your local police cyber cell.
