Some of Mobikwik’s investors have taken to social media channels like ‘X’ and Reddit to flag their concerns around changes in their investment terms and conditions. “Received an email today from MobiKwik regarding certain changes they have (made) to their P2P programme named ‘Xtra’ due to recent guidelines from the RBI. Now I can only see the principal amount and no option to withdraw it,” wrote a user on Reddit on Tuesday.