 Instant loan apps

 Rate of interests
 Other fees- processing etc
 Collection of end user data from mobile - PII
 Data storage - overseas
 Recovery methods::
 Harsh and coercive methods
 Using VOIP calls
 Using payment gateway services – Payout products, on-boarding process,
ROC- shell companies, bank accounts
 The Complainant obtained a loan from instant loan app in the year 2019 and
repaid the loan.

 Later without her knowledge an amount of Rs.10,500/- were deposited in

her account in the month of August, 2020 and she was informed that this
was mistakenly credited to her account and asked to payback.

 She repaid the amount through her phone pe account. Later amounts were
deposited to her account without her consent from different applications and
she was asked to repay the loan amounts.

 As she didn’t obtain the loan with her own will, she could able to pay some
and could not pay the entire loan amount and subsequently the tele callers
from different apps started harassing her and her brother with numerous
calls using abusive language.
 CR No
Loan Apps involved
2342/2020 I Credit And Rupeeplus
2452/2020 Cash Link, Cash Map, Kissht, Wzyogic ( Go Cash)
Mybank, Cashtok, Onehope, Flashpaisa, AAA Cash, Creditloan, Rupeesplas,
2454/2020 Cashcow, Loanflix, Mycash, Wifimoney, Cashhere, Cashtoday, Tapcredit, Cashbid,
Cashmap, Star/Credit, Neocash, Moneyenjoy, Flycash

2459/2020 Credit Day, Cashguru, Flip Cash, Credit Finch, Loan Card, Money Box, Little
Borrow, My Bank” Etc
2460/2020 Flipcash, Cash Bee, Indeed, Okcash, Cashhere, Paisalo, Snapit & Rupee Factory
Cash Bowl App, (I)clickrupee Loan, (Ii)gogo Loan, (Iii) Snap Lending , (Iv) Rupee
Now,2) Neo Cash App,3) Coco Cash App,4) Apple Cash App, 5) Frigg Loan App, 6)
2463/2020 Flash Rupee App,7) Open Cash App 8.Pan Loan App, (I)kredit Loaning, (Ii)pan
Loan
(Iii)lending Mate,9) Koala Cash,10) Money More.

2465/2020 Credit, Cashmap, Aaacash, Bigshark, Dhancash, Money Move, Ocash, Master
Meion, Rufilo, Etc

2469/2020 1)cashmap, 2) Credit Need,3) Under Cash 4) Eagle Loan, 5) Mifa Cash, 6) Cash
Guru 7) Raytheon Loan 8) Gocash 9) Paiso Loan 10) Rupee Bazar Etc
2470/2020 NEED Rupee, Icredit App

2471/2020 Rupees Plus, AAA Cash, Cash Port, Rufilo HC, Loan Gram And Icashloan Cash
Road, Cash Been ,Loancard
2472/2020 Aaacash-, Cash Bee-cash Alo Rupee Factory-rupeebazar-flash Rupee-kushcash
2475/2020 Money Box Apprufilo App
Cr. No Apps
2284/2020 Rupee Space
2344/2020 Loan Star , Krazy Rupee, Rupee Bar, Cash Key, AAA Cash,my Bank Inneed , Need Rupee
Snapit, Bubbleloan, Ecash, Cashbee, Nehope, Flipcash, Ruppeebazzar, Bippycash, Ruppee
2349/2020 Factory, Uddar Loan, My Bank, E Cash, Gocash, Loan Tap, Liquid Cash, Paisa Bazaar, I-credit, Credit-
b, Okcash,
Udhaar Loan, Rupee Plues, , Palmcash,
2368/2020 Open Cash, AAA Loan, Repayone

2431/2020
2442/2020 Aaacash Hupercash Loangram Rupeeloan, Apna Loan
Ok Cash, Cash Bee, Krazy Bean, Udhar Loan, Rupeefactory, Cash Key, Paisabazar, Billion Cash, AAA
2453/2020 Cash, Cash Train

Go Cash, Pan Loan, Money, Meet, Flip Cash,cash Bowl, Rupee Factory, Rupee Most, Rupee Now,
Rupee Pay, Loan Club, Rupee Fly, Bubble Loan, Liquid Cash, Snapit Loan, Ok Cash, Cash Tm,
Rupee Bazzar, Ked Now, Raython, Star Loan, Cash Bull, Loanez, Currybee, Rupee Plus, New
Cash, Play Cash, Insta Rupee, Kin Cash, Kreditbee, Cashmap, Kissht,wzyogic, Rapid Rupee ,
Krazy Rupee, True Balance, Kush Cash, Ucash, Vulcono, Quick Loan, Pan Loan, Apna
Loan, Add Cash, Apna Loan, Cashroad, Cash Salaey, Coco Cash, Fly Cash, Frigg
2457/2020 Loan, Kincash, Loanup, Local Loan, Lokiloan, Lucky Rupee, Moneymart, Mybank, Money
Transfer, Real Loan, Shubh Loan,
Uucash,
2461/2020 Rezo repay, cash free, kudos fiancé , Master melou, kissht, flycash, loki loan

2464/2020 Aaacash, Moneygram, Cash Seed, Icredit, Moneybox, My Bank

2466/2020 Onehope Loan –, Rupee Day -_ Flip Cash, Kredit Bear, Krazy Rupee, Cash Bird, Cash Bean,
Bobbl Loan, Get Rupee, Paisa Loan, Cash Loan, Cashlola
2479/2020 Facash

2489/2020 Panda Rupees, Cash Map, Udhar Loan, Quick Money, Rupee Plus, Karna Loan, Cash Train,
Happy Cash, O Cash, AAA Cash
2498/2020 Loan Gram, Loan Card, Apple Cash, O Cash, Money More, We Rupee, Repay One , Cash Seed ,
Credit Fintch , Coco Cash, U Rupee, Open Cash , Loan Ez, Cash Snow ,
Kola Cash, Rupeeplus, Cash Train , Rupee Bear, Rs Rush Pro, Cash In , Kredivo , Rupee Now,
Cash Joy,

• List of apps identified – 280

• List of apps deleted- 105
S.No Legal name of the merchant
CLEAR WEEKDAY TECHNOLOGY INDIA PRIVATE LIMITED
1
PANYUN TECHNOLOGIES PRIVATE LIMITED
2
ADITSH FINTECH PRIVATE LIMITED
3
AGLOW FINTRADE PRIVATE LIMITED
4
ANNIU PRIVATE LIMITED
5
AOJING TECHNOLOGIES PRIVATE LIMITED
6
BARYONYX TECHNOLOGIES PRIVATE LIMITED
7
BORNBRAVE TECHNOLOGIES PRIVATE LIMITED
8
CARE INDIA FINVEST LIMITED
9
CLEAR WEEKDAY TECHNOLOGY INDIA PRIVATE LIMITED
10
COTTON TOWN PVT LTD
11
DORMOUCE SERVICES PRIVATE LIMITED
12
EFECTIVO FINTECH PRIVATE LIMITED
13
 Excellent Today Technologies India Private Limited
14

EXCELLENT WEEKEND TECHNOLOGY INDIA PRIVATE LIMITED

15

FINEXPRESS FINANCIAL SERVICES PRIVATE LIMITED

16

FLASHKASH TECHNOLOGY PRIVATE LIMITED

17

HECTOR LENDKARO INDIA PRIVATE LIMITED

18

HEISEQIAN TECHNOLOGIES PRIVATE LIMITED

19

HONGHU INFORMATION TECHNOLOGY PRIVATE LIMITED

20

21 HUAXIN TECHNIQUE PRIVATE LIMITED

INCRAZY TECHNOLOGIES PRIVATE LIMITED

22

INDITRADE FINCORP LIMITED

23

JAMNADAS MORARJEE FINANCE PRIVATE LIMITED

24

KUDOS FINANCE AND INVESTMENTS PRIVATE LIMITED

25

LIUFANG TECHNOLOGIES PRIVATE LIMITED

26

MAD-ELEPHANT NETWORK TECHNOLOGY PRIVATE LIMITED

27
 MASHANGFA TECHNOLOGIES PRIVATE LIMITED
28

MICROLEAP TECHNOLOGY PRIVATE LIMITED

29

MICROSLOOP INFORMATION TECHNOLOGY PRIVATE LIMITED

30

NABLOOM TECHNOLOGIES PRIVATE LIMITED

31

NAQIFUL TECHNOLOGIES PRIVATE LIMITED

32

NIMISHA FINANCE INDIA PRIVATE LIMITED

33

NSMK INVESTMENTS PRIVATE LIMITED

34

PANYUN TECHNOLOGIES PRIVATE LIMITED

35

PINNACLE CAPITAL SOLUTIONS PRIVATE LIMITED

36

PROFITMISSILE TECHNOLOGIES PRIVATE LIMITED

37

PRONEVUS TECHNOLOGIES PRIVATE LIMTED

38

PROSPERBEE FINANCIAL SERVICES PRIVATE LIMITED

39

RHINO FINANCE PRIVATE LIMITED

40
 SARVOTTAM FINCAP LIMITED
41

SATIME TECHNOLOGIES PRIVATE LIMITED

42

SKY LINE INNOVATION TECHNOLOGY INDIAN PRIVATE LIMITED

43

SU HUI TECHNOLOGY PRIVATE LIMITED

44

SUMMERTIME HITECH PRIVATE LIMITED

45

SWADHA FINLEASE PRIVATE LIMITED

46

TRUTHIGH FINTECH PRIVATE LIMITED

47

TRUTHIGH FINTECH PVT LTD

48

TRUTHIGH FINTECH PVT. LTD.

49

X10 FINANCIAL SERVICES LIMITED

50

YIDING TECHNOLOGY PRIVATE LIMITED

51

YUNWEI TECHNOLOGIES PRIVATE LIMITED

52
 ZHU WEI @ Lambo, Occ: Head of Call Centres run in the name of
LIUFANG Technologies, Gurgaon, Permanent Address: 501, Lvbo City,
Tang Town, Pudong New Area, Shanghai, Republic of China.
 Yeshi Gyatso, Occ: Operation Manager and Translator of the
Beadwallet Technologies Private Limited and Waterelephant
Technologies Private Limited, N/o. Amdo Ngawa of Tibet.
 Nyichak Dhondup, Occ: Admin of Beadwallet Technologies
Private Limited and Waterelephant Technologies Private
Limited, N/o. Ando Tsongon, Xinhya, Tibet.

 Absconding accused:
 QIU YUAN YUAN @ Sissi Angela @ Jennifer
 Lambo Zhongzhi
 Sisca
 Angela
 James
 Shine
 Kunigiri Nagaraju, Occ: HR (Admn. Manager),
LIUFANG Technologies Pvt. Ltd., Uyog Vihar, Gurgaon,
Haryana.
 Bindu Rani, Occ: Manager, Pin Print Technology,
Gurgaon.
 Jyothi, Occ: Sr. Manager, Pin Print Technology,
Gurgaon.
 Amit, Occ: Manager.
 Ramandeep Singh, Occ: Manager.
 Prabhakar Dangwal, Occ: Director.
 Singi Madhu Babu
 Singi Manoj Kumar
 Singi Mahesh Babu
 Palle Jeevana Jyothi
 Tarun Pathani
 Pavan Kumar
 Kunigiri Eswar Kumar
 Madhusudhan Chandrashekar
 Satish Kumar
 Kirti Mahato
 Niranjan Umapathy
Call Centre Name Location Capacity
PIN PRINT TECH Hyderabad 600
ANNUI & TRUHIGH Bangalore 1000
HOTFULL, NABLOOM, Gurgaon 1000
LIUFANG,PIN PRINT
Payment TOTAL TOTAL TOTAL PG V.A. TOTAL
Gateway PAY IN PAY OUT FREEZED FREEZED AMOUNT
FREEZED
RAZOR 20525 Cr. 20000 Cr. 92.58 Cr. 134.4 Cr. 226.98
PAY Cr.
PAYTM 1843Cr. 354 2.47Cr pending 2.47 Cr.
CASHFREE 1266 Cr. 3529 Cr. 19.65 Cr. 6.85 Cr. 26.5 Cr.

23634Cr 23883Cr 114.7 141.25 255.97

 Description VA Loaded %
Nodal
112,567,187,44 accounts to
PG Settlement 1.51 60.79% MID
Other Bank 396 From
Accounts(320 69,951,310,257 Accounts gaming,
Ac) .12 37.7% trading etc

2,646,169,206.
VA to VA 57 1.5%
 Payout
Beneficiary Bank Account Bnefeciary Name IFSC Code Trans Payout Amount
SARASWATA MUDUTI
70809070883406129 ICIC0000104 2742 ₹ 2,105,759,232.00
CREDIT GATE PRIVATE
710000003947 LIMITED PYTM0123456 47 ₹ 2,041,895,040.00
SKYLINE1
114505001820 ICIC0001145 56 ₹ 1,631,040,000.00
AJAYA SOLUTIONS
919020004247064 PRIVATE LIMITED UTIB0001892 181 ₹ 920,610,624.00
RHINO FINANCE PRIVATE
3105036386 LIMITED ICIC0000031 200 ₹ 729,809,088.00
NEEL TRADING CO
3214322258 KKBK0001354 380 ₹ 707,297,472.00
GLOBAL BUSINESS INDIA
1080102000014119 IBKL0001080 199 ₹ 650,350,208.00
WAYDELTA FINANCIALS
SERVICES PRIVATE
10057531486 LIMITED IDFB0040134 9₹ 544,693,568.00
SUGAN ENTERPRISES
4245264548 KKBK0002059 185 ₹ 532,027,872.00
PAYTM PAYMENTS BANK
300000003034 PYTM0123456 32 ₹ 520,200,096.00
HIRANYA TRADING
4145363822 COMPANY KKBK0001379 180 ₹ 461,410,304.00
SI CREVA CAPITAL
10026796235 SERVICES PVT LTD IDFB0040102 10 ₹ 450,334,208.00
SURBHI TRADERS
1080102000012139 IBKL0001080 131 ₹ 312,952,992.00
 SAURAV KUMAR
407405000510 ICIC0004074 187 ₹ 292,259,808.00
SARVAYONI ADYAH
PROPERTY SERVICES
114505001681 PRIVATE LIMITED ICIC0001145 89 ₹ 281,580,864.00
YELLOW TUNE
70809070883378249 TECHNOLOGIES PVT LTD ICIC0000104 71 ₹ 235,500,000.00
BIENANCE INFORMATION
TECHNOLOGY PRIVATE
919020034694249 LIMITED UTIB0001892 49 ₹ 222,986,688.00
ANGANI SAI NATH
390405000471 ICIC0003904 17 ₹ 205,755,936.00
BIENANCE INFORMATION
TECHNOLOGY PRIVATE
920020033571806 LIMITED UTIB0000772 43 ₹ 194,780,064.00
FIDUCIAM
TECHNOLOGIES PRIVATE
3434237554223582 LIMITED ICIC0000104 250 ₹ 190,582,224.00
FLEXIMARS
TECHNOLOGIES PRIVATE
3434403096319016 LIMITED ICIC0000104 236 ₹ 167,909,680.00
PROFITMISSILE
3105501869 TECHNOLOGIES PVT LTD ICIC0000031 60 ₹ 167,241,632.00
HECTOR LENDKARO INDIA
342405000344 PRIVATE LIMITED ICIC0003424 109 ₹ 160,703,024.00
HEISEQIAN
TECHNOLOGIES PRIVATE
5656706681992927 LIMITED ICIC0000104 545 ₹ 156,112,496.00
Physical Accounts- Total : 509
 ICICI Bank accounts-432
 Amount freezed in ICICI bank-97.2 Crores
 Other bank accounts-75
 Amount freezed in other banks-21.5 Crores
 Total Freeze: 118.7Cr
 Consolidate Freeze Amount:
255.97+118.7=374.67Cr
 D.Prashanth, I.O.
Inspector of Police,
Cyber Crime PS, CCS, DD,
Hyderabad. 9490616010