Olyv (formerly SmartCoin) — review & key facts
Digital lending app (LSP) · loans issued by App brand — loans via unnamed RBI-registered lender partners (SmartCoin Fin. Pvt. Ltd. is the entity behind the app itself)
! Relationship unclear
Fact sheetevery field shows its verification state — no silent blanks
Public name
Olyv (formerly SmartCoin)
✓ Verified
Legal lender
App brand — loans via unnamed RBI-registered lender partners (SmartCoin Fin. Pvt. Ltd. is the entity behind the app itself)
! Relationship unclear
App ↔ entity relationship
Olyv's own Terms & Conditions state explicitly: 'Olyv is not an organization registered with the Reserve Bank of India and does not hold any license to lend money to the Users,' and describes itself as connecting financial partners with borrowers. No single specific partner NBFC legal name was found on pages checked — partners referenced only generically as 'RBI-Registered Lenders.'
! Relationship unclear
RBI evidence
Homepage states 'Loans up to Rs 5,00,000 Via. RBI-Registered Lenders'; footer references RBI Sachet Portal. T&Cs disclose Olyv itself is NOT RBI-registered.
✓ Verified
Loan amount
Up to ₹5,00,000
✓ Verified
Tenure
—
— Not disclosed
Interest & APR
Interest rate starting @ 1.5% per month
✓ Verified
Processing fee
—
— Not disclosed
Service fee
—
— Not disclosed
Late-payment fee
—
— Not disclosed
Prepayment / foreclosure
—
— Not disclosed
KFS
—
— Not disclosed
Eligibility & KYC
—
— Not disclosed
Disbursal route
—
— Not disclosed
Repayment route
—
— Not disclosed
Grievance contact
A Grievance Redressal Policy page exists (redirects to web.olyv.co.in) but is client-rendered and could not be fully extracted; a general grievance email is published on the contact page. No named GRO found.
✓ Verified
Relationship unclearApp brand — loans via unnamed RBI-registered lender partners (SmartCoin Fin. Pvt. Ltd. is the entity behind the app itself)KFS: not-foundLast checked: 2026-08-21View source →
Editorial assessment
Olyv (formerly SmartCoin) is a digital lending app (LSP); the site does not clearly name the regulated lending entity behind its loans, so we mark this relationship unclear. Its official site publishes only some of the core loan terms; the rest are marked not disclosed below and should be confirmed in the lender's Key Facts Statement before you apply. A grievance escalation contact is published on its official site.
Contact & registered office
Customer care+918431245972
Emailgrievance@smartcoin.co.in
Registered office293/154/172, Indiqube Gamma, no 293/154/172 Outer Ring Road, Kadubeesanahalli, Marathahalli 560103, 293/154/172, Marathahalli - Sarjapur Outer Ring Rd, Kadubeesanahalli, Bengaluru, Karnataka 560103 (per Google Business Profile listing "Olyv (SmartCoin Financials Pvt. Ltd.)", not the lender's own official page)
Grievance & complaints
A Grievance Redressal Policy page exists (redirects to web.olyv.co.in) but is client-rendered and could not be fully extracted; a general grievance email is published on the contact page. No named GRO found.
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