New Delhi: As per the recent estimates by the Reserve Bank of India, there are more than 1,100 online lending apps available on various internet platforms in India. Amazingly, over 600 of these apps were illegal for Android users in India, and they were distributed in over 80 app stores.
A working group set up by the central bank recently proposed legislation that would subject these digital lending apps to verification to prevent scams. The committee was formed in response to allegations of digital loan fraud, including harassment and unjust recovery practices by several digitally powered apps. Scams are rife in the world of digital loans, but they can be avoided if certain guidelines are followed.
“The over-reliance on third-party lending service providers has resulted in unintended consequences such as misselling to unsuspecting customers, data privacy violations, unethical business practices and illegitimate operations,” the report said. of technological progress.
Keeping this caveat in mind, customers should follow some simple guidelines while taking loans from these fast digital loan apps, at least until the Center or RBI issues new guidelines. “In the digital lending ecosystem, a nodal agency should be set up to evaluate the technical credentials of balance sheet lenders and DLAs of LSPs.” The RBI indicated in its report that “it will also maintain a public register of verified apps on its website.”
Things to keep in mind while taking loan from DLA’s digital loan applications:
Check to see if your lender is approved by RBI
You should check with RBI to see if the lender you are borrowing from is registered or not. You should first check the creditor’s credibility to ensure that there are no problems with loan repayment. Lenders not adhering to RBI’s KYC guidelines should be immediately considered suspicious as they are not adhering to the guidelines of the central bank.
keep an eye out for red flags
Unlike legitimate digital loan apps, which all follow RBI-mandated rules, scammers rarely have a website. Even though some of them are mentioned, you should review them thoroughly to make sure that the app is not being used by scammers. Before selecting, you should check the reviews of the app in the App Store. Also check if the app works with any bank or Non-Banking Financial Business (NBFC) that is registered with RBI. Contact that NBFC to see if they are dealing with it.
Read the Terms and Conditions and make sure you understand them
It is important that you read and understand the small print before clicking the ‘Proceed’ button. This is important for everything, but it is extremely important for digital loan apps. Before making a selection, read the terms and conditions.
Refusal to accept loans from unauthorized sources
Avoid unverified lending apps as the increased use of technology has resulted in a rise in cybercrime related to borrowing. Unverified digital lending apps that look for personal information such as bank account numbers, credit card PINs or addresses should be avoided.
Look for more than just low interest rates
In addition to interest rates, there are other additional factors to consider. You should avoid apps that have high pre-payment fees, processing fees or pre-closure fees.
live TV
#Mute
';
$('div.listing').append(string);
}
});
},
error:function(xhr){
//console.log("Error");
//console.log("An error occured: " + xhr.status + " " + xhr.statusText);
nextload=false;
},
complete: function(){
$('div.listing').find(".loading-block").remove();;
pg +=1;
//console.log("mod" + ice%2);
nextpath="&page=" + pg;
//console.log("request complete" + nextpath);
cat = "?cat=904795";
//console.log(nextpath);
nextload=(ice%2==0)?true:false;
}
});
}
//lastoff = last.offset();
//console.log("**" + lastoff + "**");
});*/
var maindiv = false;
var dis = 0;
var fbcontainer="";
var fbid = '';
var fb_script=document.createElement('script');
fb_script.text= "(function(d, s, id) {var js, fjs = d.getElementsByTagName(s)[0];if (d.getElementById(id)) return;js = d.createElement(s); js.id = id;js.src="https://connect.facebook.net/en_GB/sdk.js#xfbml=1&version=v2.9";fjs.parentNode.insertBefore(js, fjs);}(document, 'script', 'facebook-jssdk'));";
var fmain = $(".sr2414251");
//alert(x+ "-" + url);
var fdiv = '
';
//console.log(fdiv);
//$(fb_script).appendTo(fmain);
$(fdiv).appendTo(fmain);
function fillElementWithAd($el, slotCode, size, targeting){
if (typeof targeting === 'undefined') {
targeting = {};
} else if ( Object.prototype.toString.call( targeting ) !== '[object Object]' ) {
targeting = {};
}
var elId = $el.attr('id');
//console.log("elId:" + elId);
googletag.cmd.push(function(){
var slot = googletag.defineSlot(slotCode, size, elId);
for (var t in targeting){
slot.setTargeting(t, targeting
}
slot.addService(googletag.pubads());
googletag.display(elId);
//googletag.pubads().refresh([slot]);
});
}
$(document).delegate("button[id^='mf']", "click", function(){
fbcontainer="";
fbid = '#' + $(this).attr('id');
var sr = fbid.replace("#mf", ".sr");
$(fbid).parent().children(sr).toggle();
fbcontainer = $(fbid).parent().children(sr).children(".fb-comments").attr("id");
});
function onPlayerStateChange(event){
var ing, fid;
//console.log(event + "---player");
$('iframe[id*="video-"]').each(function(){
_v = $(this).attr('id');
//console.log("_v: " + _v);
if(_v != event){
//console.log("condition match");
ing = new YT.get(_v);
if(ing.getPlayerState()=='1'){
ing.pauseVideo();
}
}
});
$('div[id*="video-"]').each(function(){
_v = $(this).attr('id');
//console.log("_v: " + _v + " event: " + event);
if(_v != event){
//jwplayer(_v).play(false);
}
});
}
function onYouTubePlay(vid, code, playDiv,vx, pvid){
if (typeof(YT) == 'undefined' || typeof(YT.Player) == 'undefined') {
var tag = document.createElement('script');
tag.src = "https://www.youtube.com/iframe_api";
var firstScriptTag = document.getElementsByTagName('script')[0];
firstScriptTag.parentNode.insertBefore(tag, firstScriptTag);
window.onYouTubePlayerAPIReady = function() {
onYouTubePlayer(vid, code, playDiv,vx, pvid);
};
}else{onYouTubePlayer(vid, code, playDiv,vx, pvid);}
}
function onYouTubePlayer(vid, code, playDiv,vx, pvid){
//console.log(playDiv + "Get Youtue " + vid);
//$("#"+vid).find(".playvideo-"+ vx).hide();
var player = new YT.Player(playDiv , {
height: '450',
width: '100%',
videoId:code,
playerVars: {
'autoplay': 1,
'showinfo': 1,
'controls': 1
},
events: {
'onStateChange': function(event){
onPlayerStateChange(event.target.a.id);
}
}
});
$("#video-"+vid).show();
}
function kalturaPlayerAPIReady(code, playDiv,pvid){
var dt=new Date;
var nt=dt.getTime();
var vtitle = "";
var video_id_arr = code.split("https://zeenews.india.com/");
var youbora_video_id = video_id_arr[5].split(".");
var youbora_video_id = '"' + youbora_video_id[0] + '"';
pre_roll = "https://pubads.g.doubleclick.net/gampad/ads?sz=640x480&iu=/11440465/Zeenews_English_Video/Zeenews_English_Preroll&tfcd=0&npa=0&sz=640x480&gdfp_req=1&output=vast&unviewed_position_start=1&env=vp&impl=s&description_url="+vtitle+"&correlator="+nt;
var sources ={};
var config = {
targetId: playDiv,
provider: {
partnerId: 2504201
},
playback: {
pictureInPicture : true,
autoplay: true
},
advertising: {
adBreaks: [{
position: 0,
ads: [{
url: [pre_roll]
}]
}]
},
plugins: {
youbora: {
options: {
"content.title": "Instant Loan Apps: Here’s how to avoid online loan fraud",
"content.customDimension.1":"Zee News",
"content.customDimension.2":"https://zeenews.india.com/",
"content.customDimension.3":"2021-Nov-28 11:44:04",
"content.customDimension.4":"SHUBHAM SINGH",
"content.customDimension.5":"2414251",
"content.customDimension.6":"Personal Finance,Digital Loan Apps,Loan Frauds,Loan Scams,Digital Loan Fraud",
"content.id":youbora_video_id,
"content.language":"English"
}
},
ima: {
adsResponse: ""
}
}
}
var kalturaPlayer = KalturaPlayer.setup(config);
if(kalturaPlayer){
kalturaPlayer.reset();
}
var videoUrl = code;
var mediaid = '"zn' + pvid + '"';
sources = {
hls: [{
id: mediaid,
url: videoUrl,
mimetype: "application/x-mpegURL"
}]
}
kalturaplayerSetup(kalturaPlayer, sources);
if (typeof kalturaPlayer !== 'undefined') {
doRegisterEvents(kalturaPlayer);
}
}
function kalturaplayerSetup(kalturaPlayer, playbackType){
kalturaPlayer.setMedia({
plugins: {},
sources: playbackType
});
}
function doRegisterEvents(kalturaPlayer) {
/* player event*/
kalturaPlayer.addEventListener(kalturaPlayer.Event.Core.PLAY, playEvent);
kalturaPlayer.addEventListener(kalturaPlayer.Event.Core.PAUSE, pauseEvent);
kalturaPlayer.addEventListener(kalturaPlayer.Event.Core.PLAYBACK_ENDED, playbackEndedEvent);
/* ad event */
kalturaPlayer.addEventListener(kalturaPlayer.Event.AD_STARTED, adStartedEvent);
kalturaPlayer.addEventListener(kalturaPlayer.Event.AD_COMPLETED, adCompletedEvent);
kalturaPlayer.addEventListener(kalturaPlayer.Event.AD_SKIPPED, adSkippedEvent);
kalturaPlayer.addEventListener(kalturaPlayer.Event.AD_CLICKED,adClicked);
}
var vlabel = "https://zeenews.india.com"+$(this).attr("video-path");
var isVideoPlayed = false;
var isAdSkippedCompleted = false;
function adStartedEvent(event) {
var videotype = "zee english video";
gtag('event', 'Adstarted', { 'event_category': videotype, 'event_label': vlabel});
gtag('event', 'Play', { 'event_category': videotype, 'event_label': vlabel});
isVideoPlayed = true;
isAdSkippedCompleted = true;
}
function adCompletedEvent(event) {
var videotype = "zee english video";
gtag('event', 'Adcompleted', { 'event_category': videotype, 'event_label': vlabel});
isAdSkippedCompleted = true;
}
function adSkippedEvent(event) {
var videotype = "zee english video";
gtag('event', 'Adskipped', { 'event_category': videotype, 'event_label': vlabel});
isAdSkippedCompleted = true;
}
function adClicked(event) {
var videotype = "zee english video";
gtag('event', 'Adclicked', { 'event_category': videotype, 'event_label': vlabel});
}
function playbackEndedEvent(event){
var videotype = "zee english video";
gtag('event', 'Complete', { 'event_category': videotype, 'event_label': vlabel});
}
function playEvent(event) {
var videotype = "zee english video";
if((isVideoPlayed) && (isAdSkippedCompleted)){
isAdSkippedCompleted = false;
}else if((isVideoPlayed)){
gtag('event', 'resume', { 'event_category': videotype, 'event_label': vlabel});
}else{
gtag('event', 'Play', { 'event_category': videotype, 'event_label': vlabel});
isVideoPlayed = true;
}
}
function pauseEvent(event) {
var videotype = "zee english video";
gtag('event', 'Pause', { 'event_category': videotype, 'event_label': vlabel});
}
function AdloadEvent(event) {
var videotype = "zee english video";
gtag("event", "kaltura_adloaded", { "event_category": videotype, "event_label": vlabel});
}
function AdProgressEvent(event) {
var videotype = "zee english video";
gtag("event", "kaltura_adprogress", { "event_category": videotype, "event_label": vlabel});
}
function adPausedEvent(event) {
var videotype = "zee english video";
gtag("event", "kaltura_adpaused", { "event_category": videotype, "event_label": vlabel});
}
/* End of Kaltura player function code */
$(document).delegate("div[id^='play']", "click", function(){
//console.log($(this).attr("id"));
//console.log($(this).attr("video-source"));
//console.log($(this).attr("video-code"));
var isyoutube = $(this).attr("video-source");
var vurl = $(this).attr("video-path");
var vid = $(this).attr("id");
$(this).hide();
var pvid = $(this).attr("newsid");
var vx = $(this).attr("id").replace('play-','');
var vC = $(this).attr("video-code");
var playDiv = "video-" + vid + "-" + pvid;
if(isyoutube =='No'){
kalturaPlayerAPIReady(vC, playDiv,pvid);
}else{
onYouTubePlay(vid, vC, playDiv,vx, pvid);
}
});
$(document).delegate("div[id^='ptop']", "click", function(){
var vid = $(this).attr("id").replace('ptop','');
$(this).hide();
var pvid = $(this).attr("newsid");
var vurl = $(this).attr("video-path");
//console.log($(this).attr("id") + "--" + vid);
//console.log($(this).parent().children().find('#play-'+vid).attr("video-source"));
//console.log($(this).parent().children().find('#play-'+vid).attr("video-code"));
var isyoutube = $(this).parent().children().find('#play-'+vid).attr("video-source");
var vC = $(this).parent().children().find('#play-'+vid).attr("video-code");
var playDiv = "mvideo-play-" + vid + "-" + pvid;
if(isyoutube =='No'){
//console.log(jwplayer($(this).attr("id")).getState());
kalturaPlayerAPIReady(vC, playDiv,pvid);
}else{
onYouTubePlay($(this).attr("id"), vC, playDiv, vid, pvid);
}
});
var nxti = 3;
var ci = 1;
var nxti_1 = 6;
var nxti_2 = 9;
var nxti_3 = 12;
if($.autopager==false){
var use_ajax = false;
/*var disqus_shortname="zeehindi";
var disqus_identifier; //made of post id and guid
var disqus_url; //post permalink
function loadDisqus(source, identifier, url, nid) {
if (window.DISQUS) {
//alert("if");
jQuery('
').insertAfter(source);
jQuery('#disqus_thread').insertAfter(source); //append the HTML after the link
//if Disqus exists, call it's reset method with new parameters
DISQUS.reset({
reload: true,
config: function () {
this.page.identifier = identifier;
this.page.url = url;
}
});
}else{
jQuery('
').insertAfter(source);
disqus_identifier = identifier; //set the identifier argument
disqus_url = url; //set the permalink argument
//append the Disqus embed script to HTML
var dsq = document.createElement('script'); dsq.type="text/javascript"; dsq.async = true;
dsq.src="http://" + disqus_shortname + '.disqus.com/embed.js';
jQuery('head').append(dsq);
}
};*/
/*$('.disqusOn').live( "click", notify );
function notify() {
identifier = $(this).attr('id');
dUrl = $(this).attr('disqus-url');
source = $(this).parent();
loadDisqus(jQuery(this), identifier, dUrl);
}*/
function loadshare(curl){
history.replaceState('' ,'', curl);
if(window.OBR){
window.OBR.extern.researchWidget();
}
//console.log("loadshare Call->" + curl);
//$('html head').find('title').text("main" + nxtTitle);
if(_up == false){
var cu_url = curl;
gtag('config', 'UA-2069755-1', {'page_path': cu_url });
if(window.COMSCORE){
window.COMSCORE.beacon({c1: "2", c2: "9254297"});
var e = Date.now();
$.ajax({
url: "/marathi/news/zscorecard.json?" + e,
success: function(e) {}
})
}
//console.log('ga:'+r);
/*(function () {
var ga = document.createElement('script'); ga.type="text/javascript"; ga.async = true;
ga.src = ('https:' == document.location.protocol ? 'https://' : 'http://') + 'stats.g.doubleclick.net/dc.js';
var s = document.getElementsByTagName('script')[0]; s.parentNode.insertBefore(ga, s);
})();*/
//console.log("loadshare Call");
}
}
if(use_ajax==false) {
//console.log('getting');
var view_selector="div.center-section"; // + settings.view_name; + '.view-display-id-' + settings.display;
var content_selector = view_selector; // + settings.content_selector;
var items_selector = content_selector + ' > div.rep-block'; // + settings.items_selector;
var pager_selector="div.next-story-block > div.view-zn-article-mc-all-2017 > div.view-content > div.clearfix"; // + settings.pager_selector;
var next_selector="div.next-story-block > div.view-zn-article-mc-all-2017 > div.view-content > div.clearfix > a:last"; // + settings.next_selector;
var auto_selector="div.tag-block";
var img_location = view_selector + ' > div.rep-block:last';
var img_path="
"; //settings.img_path;
//var img = '
' + img_path + '
';
var img = img_path;
//$(pager_selector).hide();
//alert($(next_selector).attr('href'));
var x = 0;
var url="";
var prevLoc = window.location.pathname;
var circle = "";
var myTimer = "";
var interval = 30;
var angle = 0;
var Inverval = "";
var angle_increment = 6;
var handle = $.autopager({
appendTo: content_selector,
content: items_selector,
runscroll: maindiv,
link: next_selector,
autoLoad: false,
page: 0,
start: function(){
$(img_location).after(img);
circle = $('.center-section').find('#green-halo');
myTimer = $('.center-section').find('#myTimer');
angle = 0;
Inverval = setInterval(function (){
$(circle).attr("stroke-dasharray", angle + ", 20000");
//myTimer.innerHTML = parseInt(angle/360*100) + '%';
if (angle >= 360) {
angle = 1;
}
angle += angle_increment;
}.bind(this),interval);
},
load: function(){
$('div.loading-block').remove();
clearInterval(Inverval);
//$('.repeat-block > .row > div.main-rhs2414251').find('div.rhs2414251:first').clone().appendTo('.repeat-block >.row > div.main-rhs' + x);
$('div.rep-block > div.main-rhs2414251 > div:first').clone().appendTo('div.rep-block > div.main-rhs' + x);
$('.center-section >.row:last').before('
Next Story
');
//$(".main-rhs" + x).theiaStickySidebar();
var fb_script=document.createElement('script');
fb_script.text= "(function(d, s, id) {var js, fjs = d.getElementsByTagName(s)[0];if (d.getElementById(id)) return;js = d.createElement(s); js.id = id;js.src="https://connect.facebook.net/en_GB/sdk.js#xfbml=1&version=v2.9";fjs.parentNode.insertBefore(js, fjs);}(document, 'script', 'facebook-jssdk'));";
var fmain = $(".sr"+ x);
//alert(x+ "-" + url);
var fdiv = '
';
//$(fb_script).appendTo(fmain);
$(fdiv).appendTo(fmain);
FB.XFBML.parse();
var $dfpAd = $('.center-section').children().find("#ad-"+ x);
xp = "#star"+x;
//var $dfpAdrhs = $('.main-rhs' + x).children().find('.adATF').empty().attr("id", "ad-300-" + x); //$('.content-area > .main-article > .row > .main-rhs'+x).find('#ad-300-' + x);
//var $dfpAdrhs2 = $('.main-rhs' + x).children().find('.adBTF').empty().attr("id", "ad-300-2-" + x);//$('.content-area > .main-article > .row > .main-rhs'+x).find('#ad-300-2-' + x);
//var $dfpMiddleAd = $('.content-area > .main-article > .row').find('#ar'+x).find('#ad-middle-' + x).empty();
//fillElementWithAd($dfpAdrhs, '/11440465/Zeenews_English_Web/Zeenews_English_AS_ATF_300x250', [[300, 250], [300, 600]], {});
//fillElementWithAd($dfpAdrhs2, '/11440465/Zeenews_English_Web/Zeenews_English_AS_BTF_1_300x250', [300, 250], {});
//fillElementWithAd($dfpMiddleAd, '/11440465/Zeenews_Hindi_Article_Middle_300x250_BTF', [300, 250], {});
var instagram_script=document.createElement('script');
instagram_script.defer="defer";
instagram_script.async="async";
instagram_script.src="https://platform.instagram.com/en_US/embeds.js";
/*var outbrain_script=document.createElement('script');
outbrain_script.type="text/javascript";
outbrain_script.async="async";
outbrain_script.src="https://widgets.outbrain.com/outbrain.js";
var Omain = $("#outbrain-"+ x);
//alert(Omain + "--" + $(Omain).length);
$(Omain).after(outbrain_script);
var rhs = $('.main-article > .row > div.article-right-part > div.rhs2414251:first').clone();
$(rhs).find('.ad-one').attr("id", "ad-300-" + x).empty();
$(rhs).find('.ad-two').attr("id", "ad-300-2-" + x).empty();
//$('.main-article > .row > div.article-right-part > div.rhs2414251:first').clone().appendTo('.main-article > .row > div.main-rhs' + x);
$(rhs).appendTo('.main-article > .row > div.main-rhs' + x); */
setTimeout(function(){
var twit = $("div.field-name-body").find('blockquote[class^="twitter"]').length;
var insta = $("div.field-name-body").find('blockquote[class^="instagram"]').length;
if(twit==0){twit = ($("div.field-name-body").find('twitterwidget[class^="twitter"]').length);}
if(twit>0){
if (typeof (twttr) != 'undefined') {
twttr.widgets.load();
} else {
$.getScript('https://platform.twitter.com/widgets.js');
}
//$(twit).addClass('tfmargin');
}
if(insta>0){
$('.content > .left-block:last').after(instagram_script);
//$(insta).addClass('tfmargin');
window.instgrm.Embeds.process();
}
}, 1500);
}
});
/*$("#loadmore").click(function(){
x=$(next_selector).attr('id');
var url = $(next_selector).attr('href');
disqus_identifier="ZNH" + x;
disqus_url = url;
handle.autopager('load');
history.pushState('' ,'', url);
setTimeout(function(){
//twttr.widgets.load();
//loadDisqus(jQuery(this), disqus_identifier, disqus_url);
}, 6000);
});*/
/*$("button[id^='mf']").live("click", disqusToggle);
function disqusToggle() {
console.log("Main id: " + $(this).attr('id'));
}*/
$(document).delegate("button[id^='mf']", "click", function(){
fbcontainer="";
fbid = '#' + $(this).attr('id');
var sr = fbid.replace("#mf", ".sr");
//console.log("Main id: " + $(this).attr('id') + "Goodbye!jQuery 1.4.3+" + sr);
$(fbid).parent().children(sr).toggle();
fbcontainer = $(fbid).parent().children(sr).children(".fb-comments").attr("id");
//console.log(fbcontainer);
//var commentsContainer = document.getElementById(fbcontainer);
//commentsContainer.innerHTML = '
';
});
/************Player Code ***********/
var title, imageUrl, description, author, shortName, identifier, timestamp, summary, newsID, nextnews;
var previousScroll = 0;
//console.log("prevLoc" + prevLoc);
$(window).scroll(function(){
var last = $(auto_selector).filter(':last');
var lastHeight = last.offset().top ;
//st = $(layout).scrollTop();
//console.log("st:" + st);
var currentScroll = $(this).scrollTop();
if (currentScroll > previousScroll){
_up = false;
} else {
_up = true;
}
previousScroll = currentScroll;
//console.log("_up" + _up);
var cutoff = $(window).scrollTop() + 64;
//console.log(cutoff + "**");
$('div[id^="row"]').each(function(){
//console.log("article" + $(this).children().find('.left-block').attr("id") + $(this).children().find('.left-block').attr('data-url'));
if($(this).offset().top + $(this).height() > cutoff){
//console.log("$$" + $(this).children().find('.left-block').attr('data-url'));
if(prevLoc != $(this).children().find('.left-block').attr('data-url')){
prevLoc = $(this).children().find('.left-block').attr('data-url');
$('html head').find('title').text($(this).children().find('.left-block').attr('data-title'));
$('meta[name=description]').attr("content",$(this).children().find('.left-block').attr('data-summary'));
$('meta[name=keywords]').attr("content",$(this).children().find('.left-block').attr('data-keyword'));
$('meta[name=news_keywords]').attr("content",$(this).children().find('.left-block').attr('data-keyword'));
pSUPERFLY.virtualPage(prevLoc,$(this).children().find('.left-block').attr('data-title'));
//console.log("Summary: " + $(this).children().find('.left-block').attr('data-summary'));
//console.log("Keyword: " + $(this).children().find('.left-block').attr('data-keyword'));
//history.pushState('' ,'', prevLoc);
loadshare(prevLoc);
}
return false; // stops the iteration after the first one on screen
}
});
if(lastHeight + last.height() < $(document).scrollTop() + $(window).height()){
//console.log("**get");
url = $(next_selector).attr('href');
x=$(next_selector).attr('id');
//console.log("x:" + x);
//handle.autopager('load');
/*setTimeout(function(){
//twttr.widgets.load();
//loadDisqus(jQuery(this), disqus_identifier, disqus_url);
}, 6000);*/
}
//lastoff = last.offset();
//console.log("**" + lastoff + "**");
});
//$( ".content-area" ).click(function(event) {
// console.log(event.target.nodeName);
//});
/*$( ".comment-button" ).live("click", disqusToggle);
function disqusToggle() {
var id = $(this).attr("id");
$("#disqus_thread1" + id).toggle();
};*/
//$(".main-rhs2414251").theiaStickySidebar();
var prev_content_height = $(content_selector).height();
//$(function() {
var layout = $(content_selector);
var st = 0;
///});
}
}
});
/*}
};*/
})(jQuery);
,