Bharat Cash Loan App Review: Instant Fraud?

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Friends, nowadays many loan applications have come on platforms like Play Store and App Store, but it has become very difficult to identify which of them is real or fake.

Because they have so many attractive offers that the user is forced to download the application. But later when you get trapped, then realize that it is a fake application.

One such application is on Play Store which is trying to trap people by running ads on Facebook and Instagram and giving attractive offers to the people. Techy Loan is a trusted platform that gives you well-researched reviews of websites and apps.

In today’s post, we will know the Bharat Cash Loan App Review, Whether this application is real or not, whether it is okay to take a loan from this app or not, or whether you will get trapped by taking a loan in this application.

What is Bharat Cash – Instant Loan Clue?

Bharat Cash is a credit score checking app and it is launched by SMC Technologies but in reality, it is an instant personal loan application which is calling itself a credit score checking app to avoid the policy of Play Store.

This is such a clever application which has already been told in the description of its Play Store that it is not a lender application, as you can see in the screenshot.

Bharat Cash Loan App

But you must have seen the ads of this application somewhere on Facebook, Google, or Instagram where very attractive offers regarding loans would be being given. Is this application giving a loan or is it just setting a trap to Scam you?

Application NameBharatCash – Instant Loan Clue
Who launchedSMC Technologies
Launched YearFeb 19, 2024
Application size2.4 MB approx
Total downloads10k Install
Rating4.5 [ with 1k reviews]
Real or FakeFake & Not Safe
WebsiteNo Website
RBI ApprovedRead Full

Bharat Cash Loan App Real or Fake

Bharat Cash is a fake loan application because it has not mentioned anywhere that it is giving you a loan also you must have seen its ads where the loan is being provided. Now they are trying to trap or scam people by running ads on Facebook and Google.

This application is a Chinese app, it is not from India, And neither does it have any social media account nor any details about the company details.

Bharat Cash Loan App

I uploaded all documents and was eligible for loan and i was asked to pay 715 rs as processing and once i payed the amount the next step of disbursing loan dint happen . Its stuck in payment page and i couldnt reach customer service and the amount debited is not refundable. I lost my money and iam unable to delete ghe account too.


User, Playstore

In reality, Bharat Cash is a fake application because this application is not registered with the NBFC or the RBI, or If you try to take a loan, you can get badly trapped in their Scam.

Bharat Cash Loan App Scam

Friends, if you are trying to take a loan from the Money Plus application, then two types of scams can happen to you. Once you get trapped in their scam, it will be very difficult to escape.

The first scam will be of advance fee [760rs ] in which you will be asked for a fee before giving the loan amount but no loan will be given to you.

The Second Scam is, suppose you download this application and apply for a loan of ₹ 10,000, and your loan gets approved in minutes, then after, a scam starts with you.

In Reality, This application gives you a loan only for 7 days, and within these 7 days, you have to pay 40% to 50% more interest on this loan which is more than the loan amount.

You will have to repay this loan within 7 days, along with this you will have to pay two to three times more interest, which means ₹15000 to ₹17000, and you will have to pay interest on a ₹10,000 Loan.

Bharat Cash Loan App Harassment

Friends, after the loan is approved and the money is credited to your account if you do not repay your loan within 7 days, then it can trouble you a lot.

For example: they will call your number daily and send you daily messages on WhatsApp and if you refuse to make the payment, they will abuse you and also threaten you if you do not repay the loan.

Along with this, they will call all the numbers in your contact list, abuse them, and ask them to repay the loan.

Loan App Harassment

Also, Your obscene image will be created and sent to your contact list. This will irritate you completely and you may even think of committing suicide.

Read This Suicide Case

Loan apps are forcing people to commit suicide

Bharat Cash Loan App Review

Bharat Cash Loan App

Sarthak Gupta

Bharat Cash Loan App
Bharat Cash is a credit score checking app and it is launched by SMC Technologies but in reality, it is an instant personal loan application which is calling itself a credit score checking app to avoid the policy of Play Store.
Author’s Rating
Scam: 100%
Rbi Approved: No
NBFC Partner: No
7 Days Loan App


Bharat Cash is a completely fake and scammy application. Therefore my opinion is that you should not take a loan from this application.


How to get out of fake Loan Apps?

Friends, you are one of those people who download the loan application form without reading the reviews and then get stuck in it. Read reviews on to avoid using any loan app from now on.

This will assist you in avoiding downloading any fraudulent apps. Let us now know how to stay away from these applications.

  • Don’t repay: If you are trapped in such fake loan applications then do not give them money. If you give money once then they will keep charging you money again and again.
  • Cibil Score: A fake loan application does not affect your Cibil Score nor will this application affect it.
  • Do Complain: If you are being harassed by these fake loan applications then you can complain to them, it is your right call on 1930
  • No Reply: If you are receiving messages and calls from unknown numbers, then do not respond to those calls and messages at all.
  • Off Sim: If you want to completely avoid this, then you should switch off your SIM for 7 to 8 days or break the SIM and throw it away, there is no better solution than this.


Bharat Cash Loan App Review: Friends, if you have read this post till now then you must have understood that the Bharat Cash Loan is a fake application.

Through this app, you can easily take a loan and they also add money to your account without your permission when the time of repayment comes, it can also put you in trouble.

It is up to you whether you want to take a loan from this app or not, but friends, if you liked this post then please share it with your, Friends, please leave a comment if you see any mistakes in the article.

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