Google Play has robust global policy requirements that all personal loan apps must meet to be on Play, in addition to specific requirements for some countries and regions.
This article covers the specific policy requirements for personal loan apps in India.
Which apps does this policy apply to?
This policy applies to any app that offers personal loans in India on Google Play.
What must apps do to be available on Google Play in India?
Any personal loan app that wants to be available on Google Play in India must comply with both Google Play’s global policy and country requirements for India.
In India, personal loan apps on Google Play must:
- hold and present a valid financial services license from the Reserve Bank of India (RBI) to offer personal loans
- have provided the required information about the app to the publicly available list of digital lending apps (DLAs) that is published by the RBI
This list is known as the "DLAs deployed by Regulated Entities." See the RBI site for additional details (listed under "Citizen’s Corner").
What is the Reserve Bank of India (RBI) list of digital lending apps?
The Reserve Bank of India (RBI) has made public a list of all digital lending apps that provide personal loans in India. This list is called "DLAs deployed by Regulated Entities."
The requirement for DLAs to register on the list was outlined in the "Reserve Bank of India (Digital Lending) Directions, 2025" (published on May 8, 2025). All regulated entities offering DLAs were to submit the required information to the RBI list as of June 15, 2025, and can still provide it.
What if my app is not on the RBI list?
If your digital lending app holds a valid financial services license and is not on the published Reserve Bank of India (RBI) list, please contact the RBI and provide the necessary details that are required for Regulated Entities (REs) to be included on the RBI list.
As per Play policy requirements, all personal loan apps in India must be on the RBI’s list prior to onboarding to Google Play in India. As of October 30, 2025, all new personal loan apps which publish for the first time to Google Play will be required to be on the RBI list.
What if my personal loan app is already on Google Play in India?
No further action is needed if you already have a personal loan app in India on Google Play, have provided the required information to the Reserve Bank of India (RBI), and are on the publicly posted RBI list.
All personal loan apps that are currently on Google Play in India will have until January 28, 2026 to have their app(s) included on the RBI list entitled "DLAs Deployed by Regulated Entities." If you want your personal loan app to remain on Google Play in India, your app must be on the RBI list before January 28, 2026.
Why is Google Play requiring that personal loan apps in India be on the RBI list?
Effective June 15, 2025, the Reserve Bank of India (RBI) has made it an official requirement for all digital lending apps of regulated entities in India to submit certain required information for inclusion on the RBI’s publicly available database.
The updated policy requirement for India reflects Google Play’s efforts to create a safe and trusted ecosystem in India for users and developers of personal loan apps.
What if my app does not directly provide personal loans but facilitates money lending?
If you are a regulated entity that facilitates money lending by registered Non-Banking Financial Companies (NBFCs) or banks to users, you still must be included in the Reserve Bank of India (RBI) list ("DLAs deployed by Regulated Entities") .
Please work with your partners (NBFCs) to be included in the RBI list. Alternatively you may want to contact the Reserve Bank of India to directly provide your details.
Additionally, you must accurately reflect this in your financial declaration on Play Console and disclose all registered NBFCs and banks in your app’s description.