The instant loan

You are Ravi, 28, a delivery rider in Hyderabad. Rent is due in two days and you're ₹5,000 short.

An Instagram ad: "Instant loan ₹5,000 in 5 minutes! No CIBIL, no documents." The link downloads a file: QuickCash.apk

What do you do?

This story needs JavaScript. What to remember:

Borrow only from banks or RBI-regulated lenders; check an app in the RBI's directory of digital lending apps.

Never give a loan app access to your contacts and photos.

Harassment and morphed photos are crimes. Don't panic-borrow from another app; report it.

A made-up story based on real scams reported in India. Names, numbers and amounts are invented.

💸 The instant loan