[00:02] we ask our local family and friends, but if we don't get it, we rely on personal loan apps. Let's verify five steps. First, let ? Just sent me the APK on WhatsApp . That's a scam. It is [00:17] even be opened. So, if an APK or any file has come to your phone from an anonymous number, once you open it, your phone is . So never do it. Second, let's visit their [00:32] read their about pages. There will be NBFC numbers there. There address and everything . You should go to the RBI directory and check. So I [00:44] carefully. Then there is Account Aggregate, ask Customer Care to connect you. These personal loan apps always give us loans in just five or so minutes.