Every complaint reaches a named officer, is acknowledged within 48 hours, and carries a resolution timeline. If we fail it, the escalation route is printed here rather than kept behind a call centre.
Send it in writing if you can — a written record is the one that carries a timeline.
Include your full name, the mobile number used on the application, your application or loan reference, and a short description of the problem with the dates involved. Attach any statement or message you are disputing.
You receive a written acknowledgement carrying a complaint reference number. Keep it — the escalation routes below require it.
We investigate, respond in writing, and where a charge was wrongly levied we arrange for it to be reversed. If we cannot resolve it, we tell you that in writing and explain the next step.
The lending partner comes first because the loan is legally theirs. If the partner does not resolve it within its own timeline, the RBI route opens.
This form is a convenience. The written record that starts the clock is your email to the grievance officer.
The named officer responsible for receiving and resolving complaints about BlueMoney services.
Note for the site owner. Insert the designated officer's name in the field above before the site goes live. Regulatory expectations are that a named individual, not a department, is reachable here.
Four levels, in the order the regulator expects them to be used. Move to the next only when the previous one has run out its timeline.
Your complaint is received and investigated by us — the charge description, the schedule, the recovery conduct, or the disbursal record. Resolution target is 30 days from receipt.
The loan is legally the lending partner's, so it carries the ultimate responsibility for the account. Escalate with your complaint reference number and a copy of our final response. The partner's nodal officer details are printed in your loan agreement and Key Fact Statement.
Write to the Consumer Education and Protection Department of the Reserve Bank of India at the regional office covering Maharashtra, enclosing the complaint reference and the partner's response, or its silence beyond the timeline.
File a complaint with the RBI Integrated Ombudsman. Complaints must generally be filed within two years of the cause of action and can be lodged online, by email, or by post, free of cost. Legal representation is not required.
Loan fraud in India follows a small number of recognisable patterns. Knowing four of them is most of the protection.
Any request to pay a "processing fee", "file charge" or "insurance" before disbursal — especially to a personal account — is fraud. Fees are deducted from the disbursed amount; they are never collected upfront.
No genuine lender needs your OTP to release money. An OTP authorises a debit from your account, never a credit to it. Sharing one gives away control of your funds.
If a loan appears against your PAN without an application, your identity documents have been misused. Report it to us and to the police, and check your credit report.
Check the address bar. Our site is bluemoney.in and our brand is BlueMoney. An app or domain with a similar-but-different spelling is not ours.
If you have already paid. Report it immediately — call the national cybercrime helpline 1930 or file a complaint at cybercrime.gov.in — and inform your bank so the transaction can be flagged. Then tell us on 99302 96785 so we can warn other applicants about the same pattern.
The final rung, and the one that does not depend on us or the lending partner agreeing with you.
Exact email addresses, postal addresses and portal links change from time to time. Confirm the current contact details on the Reserve Bank of India's own website before filing, and quote your lending partner's name as it appears in your Key Fact Statement.
A charge you were not told about, a recovery call at the wrong hour, a statement that does not match the schedule — all of it is worth raising, in writing, with the reference number attached.
No credit enquiry is created by submitting this form.
