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ZestMoney Complaints & Reviews

zestmoney.in

3.1

Updated: Aug 5, 2025

Complaints 1638

Resolved

989

Unresolved

649

Good! ZestMoney values customer feedback and works quickly to address complaints. They handle issues regularly and provide solutions, making customers feel heard and supported, however, we would recommend that ZestMoney step up their efforts to fully resolve all complaints 👍

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ZestMoney reviews & complaints page 20

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This is utterly shameful, I have addressed the issue with too many NACH presented for my account and you guys incurring extra charges on my account hence I have not made the payment of emi till the issue is resolved.

You have sent someone to my house who is harassing my old parents, I will now take legal action and also involve Police as this is not done and I will not be scared by such actions, I am also involving RBI to take strict action against ZEST money, sending below the message I just got on my Whatsapp from their collection agent.

It is a harassing experience and truly illegal. Zest Money. stop sending recovery agents to places like home for the collection. There are senior citizens residing and is a humiliation as well. Plus, RBI does not encourage recovery mechanisms like such. Kindly look into the matter and stop these agents from visiting now and then.

[protected] Mr Dahiya visited my house and spoke to my father. I want action to be taken here and I will lodge an FIR Today.

Sikander Bakshi

ZestMoney customer support has been notified about the posted complaint.

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Applied for a personal loan on 23september..they said it will be credited into your account withing 3 days..now its 30september amd autodebit schemes were all set up but the amount isnt credited into my account...called atleast 10 times all they have to say was will look into it and will process..if you cant do the job properly you shouldnt be providing this kind of services

Nov 12, 2022

Complaint marked as Resolved

ZestMoney customer support has been notified about the posted complaint.

Verified Support

Oct 05, 2022

ZestMoney Customer Care's response Dear Customer,

Greetings from ZestMoney.

We are incredibly sorry to hear this and sincerely apologize for the inconvenience caused.

This is not the service we want you to experience from us. We deeply regret the trouble you faced with ZestMoney, which led you to write to the consumer forum channel.

We kindly request you to please share the details which you used to register with ZestMoney or you can also choose to write directly at [protected]@zestmoney.in, the mail id of our Nodal officer, and we will help you further with your issue on priority.

We are looking forward to hearing back from you.

Regards
Team ZestMoney

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I have credit limit of 74000 approved.but when I go to use there is an error application under review it will take less than 24 hour. This error showing me from last 3 month. When I talk to your support team they tell me your bank statement not updates here mail your last 3 months bank statement then your credit limit will be activated in 24 hours. I already mail many times but still now not solved this issue. last time on 27 sep i email to your support team my bank statement and cancel cheque but still now no response from your end. Kindly solve this issue today. I already email to your support many time but they did not solve my issue .my register email id [protected]@gmail.com

ZestMoney customer support has been notified about the posted complaint.

Verified Support

Oct 06, 2022

ZestMoney Customer Care's response Dear Customer,

Greetings from ZestMoney!

We deeply regret the trouble you faced with ZestMoney, which led you to write to the consumer forum channel.

With regard to your concern about the credit limit activation, we are working on your concern and we shall update you at the earliest.

Regards,
Team ZestMoney

Oct 08, 2022

Updated by Ksheerodritanaya Kantha I email my bank statement on 27 September 2022 your team promise me with in 48 hours your credit limit will be activated post mail sending time. Already 11 days passed but still now my credit limit is not activated. Every time your team saying we are working wait . How much time no any one saying.

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I my name vincy I have generated loan but I not received voucher code in my mobile number

Oct 31, 2022

Complaint marked as Resolved

ZestMoney customer support has been notified about the posted complaint.

Verified Support

Sep 29, 2022

ZestMoney Customer Care's response Hi, Vincy

Greetings from Zest Money! Please ignore the previous e-mail.

We understand your concern regarding your Flipkart loan id: B7AC5E575E45.

We tried reaching you on your registered mobile number. However, there was no response. Request you to revert to us with an alternate number and a convenient time so we can connect and assist you better.

We apologize for the inconvenience caused and appreciate your patience.

You can write or reach out to us at [protected] for any further assistance.

Regards,
Team Zest Money

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I applied for my loan on 25 August and it was supposed to get approved by the end of August. Now it's almost October and still no confirmation has been recieved by me. I tried calling and have send three emails to your company's customer assistants but I have not gotten any reply.
Now coming to the bigger issue. My EMI of the loan will be deducted automatically on 5th October. Why should I pay the EMI when I did not even get the loan? This is totally scandalous. Either you provide me the requested loan amount or just cancel the loan request because I am getting scammed at this point by not receiving the loan and still having to repay the loan through EMIs. I am attaching the bank statement, loan agreement and other necessary screenshots. Please take action on this immediately or else I would have to share this scam experience of ZestMoney on my social media.

Oct 30, 2022

Complaint marked as Resolved

ZestMoney customer support has been notified about the posted complaint.

Verified Support

Sep 29, 2022

ZestMoney Customer Care's response Dear Customer,

Greetings from Zestmoney.

We are extremely sorry to hear this, and we sincerely apologize for the inconvenience caused.

This is not the service we want you to experience from us. We deeply regret the trouble you had to face with ZestMoney, which led you to write to the consumer forum channel.

We kindly request you to please share the details which you used to register with Zestmoney or you can also choose to write directly at [protected]@zestmoney.in, which is the mail id of our Nodal officer, and we will help you further with your issue on priority.

We are looking forward to hearing back from you.

Regards
Team Zestmoney

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Address: ZestMoney, Ground & Third Floor, Indiqube Celestia, Site No. 19 & 20, Koramangala 1A Block, Koramangala, Bengaluru 560034

Website: www.zestmoney.in

I took a loan of 196000 from Zest Money for 12 months(January to December) repaid the entire amount in the month of July and to my surprise in the month of December Zest Money updated in CIBIL that I did not make a payment of Rs2400 and by the time I came to know about the CIBIL reporting as Did not Pay days more than 120 days. It was a great shock to me because in my entire 10 Years of my finances I never had any pending payments.
My CIBIL used to be 840 every time and because of this it has gone to 699. I complained to Zest money numerous times, they said they updated the Days Past Due in the CIBIL Report and it will be reflecting in next 40 days.
Now I waited for 60 days and saw my report, it still says the DPD are same and there is no update from Zest Money

ZestMoney customer support has been notified about the posted complaint.

Sep 28, 2022

Updated by Kunal Waghray More details about this account,
The Loan account id is 1E[protected] in the name of Kunal Waghray

Loan disbursed on 7 December 2020 and the last installment was to be paid on December 2021 but all the payment was done on 14 July 2021 5 months before the due date.

Verified Support

Sep 29, 2022

ZestMoney Customer Care's response Dear Kunal,

Greetings from ZestMoney!

We wanted to update you regarding the correction in your credit report.

We are glad to inform you that the correction against the Loan ID: 1E[protected] has been done, and the same will reflect in the TransUnion report in 5-7 working days.

Kindly note that it will take 30 to 45 working days to reflect in all other bureaus.

Once again, we thank you for your patience, continued support, and cooperation and for being a valued customer with ZestMoney.

We hope we’ve been able to assist you with your query. Should you need any further assistance, please feel free to reply to this email. We’ll be delighted to help!

I assure you the best of our services, always!

Regards
Team ZestMoney

Sep 29, 2022

Updated by Kunal Waghray This is the same message I received on 11th July 2022, Attaching the screenshot from my mail for your reference. This is exactly the copy paste of that mail.
I was told the DPD is updated and will reflect in CIBIL within 30-45 days and I checked the same after 60 days(22 September) and still the CIBIL reflects the Days Past Due more than 120 days from Zest Money loan account and the CIBIL is still not updated.

Oct 09, 2022

Updated by Kunal Waghray When will my CIBIL report be corrected with no Due Past Days???? I did not miss any payments till date. NOT even a single amount. This Zest Money has spoiled everything. This is the worst service from Zest Money. They are just playing with every ones finance records. They don't know how to fix this issue.
How and when will all the DPD from my CIBIL be updated?? This is something which I did not do anything wrong and still suffering for it. HORRIBLE SERVICE FROM ZEST MONEY

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K

Kunal Waghray

Sep 29, 2022

This is the same email message I received on 11 July 2022, and the CIBIL report as dated 29 September 2022 is still the same(No change in the Days Past Due).
There is no update at all in the report and the DPD is still reflecting in my CIBIL.
Attaching the screenshot of the email received on 11 July 2022 for your reference.

Loan Repaid 5 months before due date, still CIBIL report says No Payments made - Comment #4058016 - Image #0

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Address: 166, SOMWAR PETH, NEAR MJ HOSTEL, KARAD

I am trying with my [protected] account but it say pan already exists.. please delete any account with my pan details. This is my only phone number.

Nov 1, 2022

Complaint marked as Resolved

ZestMoney customer support has been notified about the posted complaint.

Verified Support

Sep 29, 2022

ZestMoney Customer Care's response Hi Amit,

Greetings from ZestMoney!

We have reviewed the

Verified Support

Sep 29, 2022

ZestMoney Customer Care's response Hi Amit,

Greetings from ZestMoney!

We have reviewed the details shared by you for the contact details change request, and the same has been forwarded to the concerned team. We request you to please allow 24 - 48 hours of time so that we can revert with an update at the earliest.

We appreciate your understanding and cooperation in this regard.

Assuring you the best of services.

Regards,
Team ZestMoney

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Please note that I have received an offer of personal loan 70000 from zestmoney and i was accepted, the loan status is showing active but the amount is not yet credited in my account. Its now completed 7 working days.. please check and support me to solve the issue

Thanks

Oct 31, 2022

Complaint marked as Resolved

ZestMoney customer support has been notified about the posted complaint.

Verified Support

Sep 29, 2022

ZestMoney Customer Care's response Dear Customer,

Greetings from Zestmoney.

We are extremely sorry to hear this, and we sincerely apologize for the inconvenience caused.

This is not the service we want you to experience from us. We deeply regret the trouble you had to face with ZestMoney, which led you to write to the consumer forum channel.

We kindly request you to please share the details which you used to register with Zestmoney or you can also choose to write directly at [protected]@zestmoney.in, which is the mail id of our Nodal officer, and we will help you further with your issue on priority.

Looking forward to hearing back from you.

Regards
Team Zestmoney

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I closed my loan already before 1.8yrs, but it's showing unpaid in cibil, and my credit score is low, i cannot buy any loan for emergency because of your mistake

Nov 1, 2022

Complaint marked as Resolved

ZestMoney customer support has been notified about the posted complaint.

Verified Support

Sep 29, 2022

ZestMoney Customer Care's response Dear Customer,

Greetings from Zestmoney.

We are extremely sorry to hear this, and we sincerely apologize for the inconvenience caused.

This is not the service we want you to experience from us. We deeply regret the trouble you had to face with ZestMoney, which led you to write to the consumer forum channel.

We kindly request you to please share the details which you used to register with Zestmoney or you can also choose to write directly at [protected]@zestmoney.in which is the mail id of our Nodal officer and we will help you further with your issue on priority.

Looking forward to hearing back from you.

Regards
Team Zestmoney

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I have taken one loan from zestmoney but it is showing two records on my cibil report and even the payment was done on time but it is reported delayed in cibil. After contacting zest money support many times they have not updated my score and my score is in bad state now. They are not working on the request and everytime i call they will ask me to wait for 2-3 weeks and no action post that.

ZEST MONEY IS FRAUD

Nov 1, 2022

Complaint marked as Resolved

ZestMoney customer support has been notified about the posted complaint.

Verified Support

Sep 29, 2022

ZestMoney Customer Care's response Dear Shweta,

Greetings from ZestMoney!

Thank you for reaching out to us about your CIBIL issue.

We are sorry you had to deal with this situation.

We will escalate your issue to a higher authority. We understand how frustrating you are and the serious problem you have been facing.

We apologize for the disappointment caused to you.

We promise we will surely come up with a solution for you.

Your understanding is what we rely upon in this regard.

Assuring you the best service!

Regards,
Team ZestMoney

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Address: Bangalore

Website: Www.zestmoney.in

Want to file a complaint against Zest Money from where I took few consumer and personal loans. Although all these loans are paid off and all emi were paid before time, however few days back when I checked my cibil report, it was showing my credit score as 685 which was quite shocking for me, and was showing 2 emis were late and overdue amount. I informed regarding this to ZestMoney team on 9th August and they requested for few details from me which I provided them in time. However there was no solution from them. Everytime I used to call Zest customer care they used to ask new info. Even after providing them every single detail, my cibil report is not updated and because of that I am unable to take any loan or apply for credit card from any of the financial institution. Zestmoney team simply say that we have escalated your request but my credit report is ruined even after paying all emis on time. Need help🙏

Nov 1, 2022

Complaint marked as Resolved

ZestMoney customer support has been notified about the posted complaint.

Verified Support

Sep 29, 2022

ZestMoney Customer Care's response Dear Inderpreet,

Greetings from ZestMoney!

We wanted to update you regarding your loan (4F6C[protected].

We are glad to inform you that the correction has been completed, and the same will reflect in the TransUnion paid report after 30 working days.

Once again, we thank you for your patience and continued support, and cooperation and for being a valued customer of ZestMoney.

If you need any further assistance, please feel free to reply to this email. We’ll be delighted to help!

Assuring you the best of our services, always!

Regards,
Team ZestMoney

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I had booked Indigo airtickets to Phuket on Makemytrip using Zestmoney on 01.03.2022. However the flight was cancelled due to Covid restrictions and the entire money was refunded on 07.03.2022. However I'm still getting messages and calls from Zestmoney for my pending EMI when I haven't taken any loan from them. I called Zestmoney multiple (3-4)times regarding the same and was assured by their customer service executives that this matter will be resolved. Yet I'm getting messages saying that there is an EMI pending failing which my credit score will get affected. This is in the literal sense, harassment.

ZestMoney customer support has been notified about the posted complaint.

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S

Suyog Shetye

Nov 4, 2022

It has been 42 days. I get a call daily playing record saying that I have to pay pending amount. I tried calling their customer care number but I am always kept on hold for a very very very very long time. I had previously told their customer executives 3 times. All of them assured me that this would be resolved but it has nit been resolved yet. Now my CIBIL score is getting affected because of this stupidity.

Showing pending EMI when amount was refunded - Comment #4068536 - Image #0

Showing pending EMI when amount was refunded - Comment #4068536 - Image #1

S

Suyog Shetye

Nov 30, 2022

I have mailed Zestmoney multiple times but the issue is not yet resolved. Last Monday(21/11/2022) I spoke to their executive named Rushika who assured me that the issue would be resolved within 24-48 hrs. It did not resolve. Then on Thursday(24/11/2022) I spoke to Mahek who assured me the same thing. She also gave me the ticket number 1607738. After another 48 hrs I spoke to Rohit on Saturday who assured me again the same thing that my issue will be solved by them. On asking whether there is any superior who I can talk to, I was assured that there is none and the issue is solvable at their level and gave me the ticket no. 548549. After another 48 hrs I called and spoke to Gagan on Monday(28/11/2022) who said that they have forwarded and highlighted and escalated the issue and it will be solved within 48 hrs. He gave me the ticket no. 1687243. It has been another 48 hrs. and yet I'm getting messages from Zestmoney to pay them money, which I don't owe and have to face harassment for the same. My credit score has got affected because of the callous attitude of Zestmoney. And this has been going on for 9 months now.
I want Zestmoney to settle the score and restore my credit score. Otherwise I'm left with no option but to file a case in consumer court for harassment.

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Address: gampalagudem

My name is jayanth tatikonda

registerd number - [protected]

last 3 to 4 months i ve been hospitalized due to covid and not been able to pay the EMI on the time .

so i ve repaid all the EMIs including fines and late fees which zest money has imposed. through my alternate account or my friends bank account.

so bank account has been held amount of 13800 rs regarding the zestmoney AUTO DEBIT CHARGES.

pls cancle all of them because I ve paid the late fees and fines so why zest money again imposed charges .

+3 photos

Oct 31, 2022

Complaint marked as Resolved

ZestMoney customer support has been notified about the posted complaint.

Verified Support

Sep 29, 2022

ZestMoney Customer Care's response Hey Jayanth,

Thank you for reaching out to us!

We understand that your concern is regarding the NACH charges.

We have reviewed the details shared by you, and we would like to inform you that the bank levies these charges due to insufficient funds in your account before the EMI due date. Hence we request you to please contact your bank for further clarification on charges.

We appreciate your understanding and cooperation in this regard.

Assuring you the best of services.

Regards,
Team ZestMoney

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My zest money account is used to create Flipkart voucher worth rs28000 without my consent and I haven't given any OTP or details to generate this so how the hell does my zest money account is used for this
I have filed Cybercrime complaint against this
Company always calling for pay emi but there is no solution regarding my issue I haven't used that Flipkart voucher so why would I pay emi
Kindly solve this issue

Nov 1, 2022

Complaint marked as Resolved

ZestMoney customer support has been notified about the posted complaint.

Verified Support

Sep 29, 2022

ZestMoney Customer Care's response Hey Akshay,

Greetings from ZestMoney!

We understand that your concern is regarding the fraud issue with the loan ID: 64261FD5E918 and we regret the inconvenience caused.

Please be informed that we have passed on the details that you have shared to the concerned team to get this resolved at the earliest.

Kindly allow some time for the same.

Your kind understanding and cooperation are highly appreciated.

Regards,
Team ZestMoney

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Hey all,
Wanted to bring this notice to all of you regarding the Zestmoney services.
I had applied for a personal loan of 20k for emergency purpose and they had promised that loan amount will be credited within 2-3 working days. I had applied on 10th of September. No credit till date they haven't credited. Whenever i ask for an update, they're pushing it for another 2-3 days. They claim that they are having an internal error... This is like mental harassment. Without Crediting the amount, they have issued my loan agreement as well. How am i supposed to pay the 1st EMI without any loan disbursement. This will also impact my CIBIL score as well.

My mental health is getting damaged coz of this issue.

Do not close and mark this issue as resolved until and unless you guyz credit the loan amount.

+3 photos

Nov 1, 2022

Complaint marked as Resolved

ZestMoney customer support has been notified about the posted complaint.

Verified Support

Sep 29, 2022

ZestMoney Customer Care's response Hi Kiran,

Greetings from ZestMoney!

We are extremely sorry to hear this, and we sincerely apologize for the inconvenience caused.

This is not the service we want you to experience from us. We deeply regret the trouble you had to face with ZestMoney, which led you to write to the consumer forum channel.

We have reviewed your query regarding the delay in PL disbursement, and the same has been forwarded to the relevant team. We request you to please allow 24 - 48 hours of time so that we can revert with an update at the earliest.

We appreciate your understanding and cooperation in this regard.

Assuring you the best of services.

Regards,
Team ZestMoney

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Address: ZestMoney (Camden Town Technologies Pvt Ltd), Ground & Third Floor, Indiqube Celestia, Site No. 19 & 20, Koramangala 1A Block, Koramangala, Bengaluru,

I have applied for zest money weeks ago and I was given a credit limit of INR 70, 000. My application was not approved and kept pending and when I called and asked customer care about the same thing, they told me that my KYC process is incomplete even after I did it in the mobile application. So, they told me that they will send me a link for KYC again but that did not happen. So, I again called them and they asked me to send my last 3 months' bank statements for verification and said it will be done and my credit will be activated within 48hours. This was a week ago and still, there is no response from Zest Money.

ZestMoney customer support has been notified about the posted complaint.

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I am not able to create voucher for amazon, nor I am able to shop using zestmoney on checkout page of amazon.
My email: [protected]@gmail.com
My number:[protected]

ZestMoney customer support has been notified about the posted complaint.

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Zestmoney EMI not showing in Flipkart and Amazon sites...

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Personal loan of rs 22000 was showing that was disbursed but not credited to my account, when I call to customer care they say that it will be credited in 3 working days after 15 days yet i didn't got credited the money

ZestMoney customer support has been notified about the posted complaint.

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I applied personal loan on sep 9 for 35000rs/- still amount is not credited to my account..It's almost 12 days completed but still my problem is not solved..
I call to customer support so many times everytime they are telling please wait for sometime..

how many days i have to wait i don't no..

That too i send mails also but didn't get any single response from zest money..

I ask to connect my call to higher authorities they are simply telling that within 4 hour's our higher authorities will you back to you but still no one is called to me...
Finally my experience with zest money is worst and never expect this from zest money...

I am attaching screenshots of jowmany times I called to zest money till now...

+4 photos

Sep 21, 2022

Complaint marked as Resolved

not resolved

ZestMoney customer support has been notified about the posted complaint.

Sep 21, 2022

Updated by phanichow my problem is not resolved

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