Privacy Concerns
Hi Stable Money Team,
I went through your Privacy Policy in detail. Overall, it looks comprehensive and professionally drafted, but I have a few concerns and suggestions from a user’s perspective.
The biggest concern is that the policy mentions access to contacts, SMS, location, camera, and media files. For users who only want to invest in Fixed Deposits or Mutual Funds, permissions like contacts and SMS seem broader than necessary. It would build more trust if the app clearly explained why each permission is required, whether it is optional, and which features depend on it.
I also noticed references to creating “affluence scores” and “user insights.” It would be helpful if you could explain what these mean in simple language, what data is used, and whether users can opt out of profiling or marketing-related data processing.
Another suggestion is to clearly state that customer funds are never held by Stable Money and are deposited directly with the partner bank or NBFC. This single clarification would significantly increase user confidence.
Finally, I would appreciate greater transparency around data sharing with affiliates and third parties. A simple summary of who receives user data, what data is shared, and for what purpose would make the Privacy Policy much easier to understand.
Thank you for considering this feedback. Improving transparency around privacy and fund safety will help users trust the platform even more.
I went through your Privacy Policy in detail. Overall, it looks comprehensive and professionally drafted, but I have a few concerns and suggestions from a user’s perspective.
The biggest concern is that the policy mentions access to contacts, SMS, location, camera, and media files. For users who only want to invest in Fixed Deposits or Mutual Funds, permissions like contacts and SMS seem broader than necessary. It would build more trust if the app clearly explained why each permission is required, whether it is optional, and which features depend on it.
I also noticed references to creating “affluence scores” and “user insights.” It would be helpful if you could explain what these mean in simple language, what data is used, and whether users can opt out of profiling or marketing-related data processing.
Another suggestion is to clearly state that customer funds are never held by Stable Money and are deposited directly with the partner bank or NBFC. This single clarification would significantly increase user confidence.
Finally, I would appreciate greater transparency around data sharing with affiliates and third parties. A simple summary of who receives user data, what data is shared, and for what purpose would make the Privacy Policy much easier to understand.
Thank you for considering this feedback. Improving transparency around privacy and fund safety will help users trust the platform even more.
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THE ROB PEOPLE LIKE US
2000 got debited from my account without my permission without any otp and when i called and asked them how did it them they just told me that PAYU finance just took that money and also that payu reversed the amount and asked me to contact Pay u for more or my bank then i asked PAYU about it they said they had not done it which is completely true bc i have 1000 limit on lazypay and no other credit account on PAYU and also i reached out to my bank they said no reversal no money came back. TODAY I CALLED THEM AGAIN AND TOLD THEM WHAT MY BANK AND PAYU TOLD ME AND THEY LITERALLY CHANGED WHAT THEY SAID EARLIER THEY TOLD ME TODAY THAT “ THE MONEY WAS SUPPOSED TO RETURN TO MY SOURCE ACCOUNT BUT IT GOT REVERSED TO MY CREDIT CARD ACCOUNT” WHICH HAS NO STATEMENT OF IT COMING BACK. ALSO THE CUSTOMER CARE SUPPORT STAFF IS SO RUDE AND TRIED RAISING THEIR VOICE UPON ME I HAVE ALL THE CALL RECORDING AND I AM GOING TO FILE A CASE AGAINST THESE FRAUDULENTS.
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Response from developer
Hi Rishab! We’re sorry to hear about your experience and understand your concern regarding the debit and refund status. This is not the experience we aim to provide. Kindly share your registered details with us at social@stablemoney.in so that we can thoroughly review your case and assist you with a resolution at the earliest.
Bad UI and issues with credit card section
In the credit card section, the card details are partially covered by the lower window. When I drag the screen down with my fingers, I’m briefly able to see the details. However, as soon as I release it, the window moves back up and covers the information again.
Additionally, the “Unhide” button is also covered by the window, so I’m unable to click on it. Because of this issue, I cannot properly view or access my card details.
Please fix this UI/scrolling bug as it seriously affects usability.
Additionally, the “Unhide” button is also covered by the window, so I’m unable to click on it. Because of this issue, I cannot properly view or access my card details.
Please fix this UI/scrolling bug as it seriously affects usability.
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Response from developer
Hey Sajal - Our apologies! We’d like to understand this display behavior better. To help our team investigate, could you share a screen recording of the issue with shekhar.arya@stablemoney.in? We want to connect and ensure your card details are perfectly accessible on your device.
False marketing
They would tell that you will get credit card for 1 k rupees deposit but later tell that card can’t be used in the airport longue and you can’t get a physical card
Just use some better apps
Just use some better apps
Response from developer
The digital card for a ₹1k deposit is designed for accessibility, though it does have different features than premium physical cards. We’d like to connect and clear up any confusion regarding the terms. Please write to us at shekhar.arya@stablemoney.in to discuss this.
Stable money
Stable Money is a user-friendly platform that helps customers invest in Fixed Deposits (FDs) across multiple banks in one place. The app is especially useful for people who want higher FD interest rates without the hassle of visiting different bank branches. The interface is smooth, easy to navigate, and makes the investment process very simple even for first-time users.
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Response from developer
Thanks a lot for your kind words and 5 star rating Charan !
Double check email registering with
There is a wired thing that happens in Stable money. When we register for an account we do so with an email. The same is used for the KRA but then there is no way to update the email if you want. Even though you are ready to go through the entire process again. Apparently the facility itself is not available as of now, while the KRA sites mention that it is the broker partners who are supposed to do this.
The second star is just for the fact that the customer support are still available (they are decent) and they do reply unlike the other places that release a bot onto you if you ask for help.
Hope this is solved at the earliest. Till then m stuck with the investment cause bonds selling is not that easy. (Sellers market not that active I suppose).
The second star is just for the fact that the customer support are still available (they are decent) and they do reply unlike the other places that release a bot onto you if you ask for help.
Hope this is solved at the earliest. Till then m stuck with the investment cause bonds selling is not that easy. (Sellers market not that active I suppose).
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Stay away - Worst customer care - may be a scam app
I have been making FD through stable money app from almost one and year by now. I am a gold member. It means I have invested more than 10 lakhs through app. One day I faced one issue which I reported to stable money. But did not receive any solution till date.
Major issues faced -
1. RD opened with Suryoday bank through stable money. Money deducted from account on 1st but not appearing with Suryoday bank. Reported to stable money as well as concerned bank. No response from any one. Struggling from two months.
2. North East SF Bank merger Ed with SLICE SF Bank. I have opened FDs with North East Bank. I approached to SLICE SF bank to confirm my deposits. They replied neither my email is registered nor my mobile number is registered. Money got stuck there. Now their existence is only at Assam. How I go visit there. It is Stable money duty to help me but they have only excuses no solutions.
3. No exclusive RM available. Every time I have to narrate my complete grievance to new customer care but all in vein.
4. In Utkarsh bank, three of my FDs are not reflecting.
I can reveal many other points but short of time.
Simply I will say, stable money can’t help us at the time we are depositing money with these Small finance banks , what would be the fate at the time of maturity.
Stable money is just concerned with commission they get at the time of commencement of deposit. There after, they simply say that they are intermediatry and my money is bank.
So, brothers and sisters, stay away from these small finance banks and stable money app.
Major issues faced -
1. RD opened with Suryoday bank through stable money. Money deducted from account on 1st but not appearing with Suryoday bank. Reported to stable money as well as concerned bank. No response from any one. Struggling from two months.
2. North East SF Bank merger Ed with SLICE SF Bank. I have opened FDs with North East Bank. I approached to SLICE SF bank to confirm my deposits. They replied neither my email is registered nor my mobile number is registered. Money got stuck there. Now their existence is only at Assam. How I go visit there. It is Stable money duty to help me but they have only excuses no solutions.
3. No exclusive RM available. Every time I have to narrate my complete grievance to new customer care but all in vein.
4. In Utkarsh bank, three of my FDs are not reflecting.
I can reveal many other points but short of time.
Simply I will say, stable money can’t help us at the time we are depositing money with these Small finance banks , what would be the fate at the time of maturity.
Stable money is just concerned with commission they get at the time of commencement of deposit. There after, they simply say that they are intermediatry and my money is bank.
So, brothers and sisters, stay away from these small finance banks and stable money app.
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Very poor withdrawal methods.
Booking a fd is very easy, but breaking it is a pain. You need to go through video confirmations that also on fixed timings, when we can book a fd at night 11:00 pm why can’t we break the same at same time, more over fill ridiculous forms for breaking my own fd, when we have aadhar authentication these days in everything for verification. While booking fd they get thier commission so everything is easy but while breaking it they won’t get anything so all the rules apply, moreover they will never tell about this before hand, as it’s not their money.
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Inexistent grievance handling
All the convenience the app provides is overshadowed by the fact your funds can stay stuck for days in the app if there is any error in the transaction processing step and you will have to keep chasing after them for a resolution and the only response you will receive will be that it’s in progress. It may take hours, days or weeks and you will have no way of knowing that as you will receive no resolution from the app and you won’t even have a relationship with the bank to contact them directly for a response. If you think all this trouble and possibility of losing the money worth it, then only try the app.
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Good for NBFC FDs and bond
Experience for VKYC is fast and seamless when opening FDs. Good thing is all banks or NBFCs listed in their app DGIGC ensured. Sometimes when booking FD it shows payment failure although after few minutes to within an hour the actual FD gets processed.
Tried using for bonds too , they have limited and filtered companies in bonds which makes it safer compared to other bond platforms.
Only had one bad experience while opening fd app opened bank account after VKYC even though they claim it will open only FD without opening bank account. I am hoping app will ensure that does not repeat.
Other good to have features: An ability to view total current value of FDs for a single bank. Also, on bond platform it shows total current value , if we can tap into that to see all investments similar to passbook feature in FDs would be great.
Overall I think it is a good platform to invest in FDs and bonds.
Tried using for bonds too , they have limited and filtered companies in bonds which makes it safer compared to other bond platforms.
Only had one bad experience while opening fd app opened bank account after VKYC even though they claim it will open only FD without opening bank account. I am hoping app will ensure that does not repeat.
Other good to have features: An ability to view total current value of FDs for a single bank. Also, on bond platform it shows total current value , if we can tap into that to see all investments similar to passbook feature in FDs would be great.
Overall I think it is a good platform to invest in FDs and bonds.
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Response from developer
Hi. Thank you for your detailed feedback. We're glad you find VKYC and our FD & bond offerings smooth and secure. We appreciate your suggestions about viewing total FD values and a passbook-style feature—great ideas we’ll consider. We also apologize for the bank account issue and will work to prevent it in the future!
Worst Financial Platform
Why you need this platform when the banks provide easier access and liquidity anyways when you invest with them directly? Few of my friends advised me to stay away from this platform as they faced trouble with their withdrawals. I still went ahead as my primary objective of installing this application was for investments into “Bonds” and since 5 days it still shows that the process is ongoing and things are pending with NSE. Tried another platform and it was done within few hours. Pathetic UI and terrible platform for any investments. Not going to recommend this to anyone.
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Response from developer
Hi, we regret the inconvenience caused. Please reach out to us at bonds@stablemoney.in so that we can assist you further.
smooth experience
started to invest and the application is smooth without taking much time to wait for next steps and also easy to understand as what all the things that you need to know while investing.
Response from developer
Hi. Thank you for the 5-star rating! We're so happy to hear that getting started with investing felt smooth and easy for you. Your feedback means a lot and inspires us to keep making investing simple, quick, and understandable for everyone!
Awesome
Stable Money is a fantastic platform for hassle-free fixed deposit (FD) and recurring deposit (RD) investments. The app provides a seamless and user-friendly experience, making it easy to compare and invest in the best interest rates from multiple banks.
The interface is clean, intuitive, and well-designed, allowing for quick navigation and smooth transactions. One of the best features is the transparency in investment details, ensuring that users are well-informed about their deposits. Additionally, the customer support team is highly responsive and helpful, promptly addressing any queries or concerns.
The interface is clean, intuitive, and well-designed, allowing for quick navigation and smooth transactions. One of the best features is the transparency in investment details, ensuring that users are well-informed about their deposits. Additionally, the customer support team is highly responsive and helpful, promptly addressing any queries or concerns.
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Response from developer
Thank you so much for your 5-star rating and wonderful feedback! We are delighted to know you find Stable Money seamless, transparent, and easy to use for your FD and RD investments. Your appreciation for our customer support means a lot. We remain committed to offering you the best investment experience.
Customer support is scam
Customer support is scam they claim 24/7 but when you try to reach them after 9 pm you get to hear this all our customer representatives are busy at the moment please call back at 8 AM why to lie and another false claim ticket gets resolved in 1 hours i have raised a ticket 48 hours back and it is still not addressed why to claim something which you guys can’t deliver uninstalling the app if the issue doesn’t get resolved by tomorrow you happy to loose customer then don’t solve it if you don’t wanna lose the customer then work on solving the issue not escaping from it or by denying it
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Glitchy App
I tried to invest in North East SFB via the FD invest feature. But the digilocker authentication step is failing with the same error. Because of this I failed to proceed with the onboarding.
Can you fix this?
Can you fix this?
Response from developer
We request you to please get in touch with us through help@stablemoney.in so that we can address your concern.
Great App - smooth flow, and simplistic processes
Started using the App recently, found the FD investment process simple and convenient. Brings a range of options for fixed income investing on a single app interface, which makes it a convenient one-stop for fixed income investing.
Response from developer
Thank you for your feedback. Keep using our app :)
Best for achieving short term goals
I am using stable money for achieving my short term goals. I was always searching for options where I can get 8-9% secure return on 1Y-2Y tenure and I just hate keeping my money on savings account. Stable money opens the door for me, it’s a perfect app for my requirement.
Response from developer
Thank you so much for your amazing review! We're thrilled to hear that you had a great experience. Your kind words mean the world to us, and we're so glad we could meet your expectations.
Video KYC
You can’t study and check all the banks, stable money do all this for us, thank you, I like this app, You can choose which bank you want to invest without opening saving bank account and from any where online, but I don’t understand why don’t you do video KYC before making us deposit the amount. For gods sake, it’s online app, you can be anywhere while depositing, you don’t take your PAN Card everywhere. If not successful, bank keep our money for seven days, and return back without any interest. Please do something about it.
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Response from developer
Thank you for your feedback. We would love to speak with you more on this. Please contact us at help@stablemoney.in so we can discuss this further.
New Revolution in FD
I've been incredibly impressed with Stable Money's service! The user interface is clean and intuitive, making it easy to navigate through all the options. The customer support team is top-notch, always responsive and eager to help with any questions or concerns. The entire process, from start to finish, is speedy and efficient, which is exactly what I was looking for. I highly recommend Stable Money for anyone seeking a reliable and user-friendly financial platform!
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Response from developer
Hi Kanha, We're so happy you love the app! Thanks for the 5 stars. If you ever need assistance or have any ideas to make the app even better, we're all ears!. Please write to us on help@stablemoney.in
Excellent app, excellent support
The app provides a fantastic experience, offering everything from bank comparisons to interest rates, all within a single interface. However, what impressed me the most was their customer support. I had trouble completing my vKYC, but Diganta from Stable Money’s support team guided me through the process and ensured I successfully completed my KYC.
I hope Stable Money adds more banks with higher interest rates so that we can invest more.
I hope Stable Money adds more banks with higher interest rates so that we can invest more.
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Response from developer
Thank you so much for your amazing review! We're thrilled to hear that you had a great experience. Your kind words mean the world to us, and we're so glad we could meet your expectations.
