How to lodge a complaint
You may lodge a complaint by e-mail, telephone or letter. You will receive an acknowledgement with a complaint number within 3 working days. Every complaint is resolved within 30 calendar days of receipt. If a complaint relates to a payment made to an LSP or agent, please attach proof of payment so that it can be verified and your account updated.
Grievance Redressal
Grievance Redressal Officer: Ms. Jhanvi Yadav
Tel: 022-4825 1858
E-mail: compliance@kifpl.com
106, Motalibai Wadia Building, 1st Floor, 22-D, S A Brelvi Road, Fort, Mumbai 400001
Monday to Saturday, 10:00 a.m. to 6:30 p.m. (except public holidays)
If your complaint is not resolved within 30 days, or you are not satisfied with the resolution, you may lodge a complaint with the Reserve Bank of India through the Complaint Management System (CMS) at https://cms.rbi.org.in, or in physical form to: Centralised Receipt and Processing Centre, Reserve Bank of India, 4th Floor, Sector 17, Chandigarh – 160017.
Report unauthorised digital lending apps or entities misusing Komac's name on the RBI Sachet portal: https://sachet.rbi.org.in
Grievance officers of our Lending Service Providers.
| Lending Service Provider (LSP) | Digital Lending App (DLA) | Product | Services | Status | LSP grievance officer |
|---|---|---|---|---|---|
 MWYN Tech Private Limited (Freo) |
Freo / MoneyTap | Unsecured personal loans | Sourcing, servicing, collection and recovery | Active since 01.10.2024 | Ms. Anjali Panwar +91 63611 21526 grievance@moneytap.com |
 Shuhari Tech Ventures Private Limited (NIRA) |
NIRA | Unsecured personal loans | Sourcing, servicing, collection and recovery | Active since 04.10.2024 | Mr. Pranaya Biswal 76187 89180 pranaya.biswal@nirafinance.com |
 Daksfirst India Finance House Private Limited (IFHL) CIN U65929MH2022PTC379301 |
IFHL | Unsecured personal loans | Sourcing, collection and recovery | Active | Mr. Manoj Singh +91 22 6212 0441 grievance@ifhl.in |
 RapiPay Fintech Private Limited CIN U72200DL2009PTC189149 |
RapiPay / NYE App | Unsecured business loans | None | Discontinued – collection authorisation withdrawn on 29.09.2025 | Contact Komac: Ms. Jhanvi Yadav 022-4825 1858 compliance@kifpl.com |
Komac is the lender for all loans sourced through the above partners. Complaints made to an LSP that are not resolved within 7 days are forwarded to Komac, and you may also approach Komac directly at any time. Komac remains responsible for resolving your complaint.
Our policy
The full procedure, timelines and internal escalation matrix are set out in our Grievance Redressal Policy. Our conduct standards are set out in the Fair Practices Code and the Code of Conduct for Collection and Recovery.