PayRupik Instant Personal Loan

Sayyam Investments Pvt Ltd

About this app

PayRupik is an online instant personal loan platform trusted by over 10 million users, provides you instant credit in minutes.
It is a loan product of Sayyam Investments Pvt Ltd which is a registered NBFC under RBI. You can avail loan amount ranging up to ₹50,000, process is fast, easy and safe.

If you are looking for a friend who can easily borrow money without making excuses, PayRupik is your best friend.

Production:
Loan Amount: from ₹1000 to ₹50000

Minimum Loan Tenure: 91 days
Maximum Loan Tenure: 365 days
Maximum Annual Percentage Rate (APR): 35% per annum
Processing Fee: from ₹80 to ₹2000 depend on the loan tenure and amount
GST: 18% on the processing fee in accordance with the law and policy of India

The representative example:
For the loan amount is ₹6000 and the interest rate is 25% per annum and the tenure is 120 days, then the interest payable is calculated as follows:
Interest = ₹6000 x 25% / 365 x 120 = ₹493
Processing Fee = ₹100
GST = ₹100 x 18% = ₹18

The total repayment amount in 120 days shall be ₹6000 + ₹493 + ₹100 + ₹18 = ₹6611
APR = (₹6611 - ₹6000) / ₹6000 / 120 x 365 = 30.97%

Why choose PayRupik?
✔ Transparency: PayRupik is an online loan product from RBI-certified NBFC which is guaranteed to be transparent.
✔ Instant Personal Loan: Loan amounts are disbursed directly into your account within 15 minutes. As the process is 100% online, you can get funds anytime, anywhere.
✔ Efficient: We process your instant loan application instantly in a fast way. No paperwork and no problems as we prioritize your needs.
✔ Security: Your data is safe with us. It is transferred over a secure HTTPS connection to the server, and we do not share it with anyone without your consent except the Lenders.

What should you do first?
1. Download and install the PayRupik App.
2. Create an account.
3. Upload your KYC documents, which includes your ID, address proof, and PAN card.

Eligibility:
You must be an Indian national.
You must be over the age of 18.
You must have a steady source of income on a monthly basis.

Minimal household income eligibility:
Annual household income is above Rs. 3,00,000/- (Three lacs) by all sources and means.
The term ‘household’ shall mean an individual family unit, i.e. husband, wife and their unmarried children who are above the age of 18 years.

Contact us if you have any questions:
[e-mail] or 0224-8930118
Agyathuri, Chamajali, Amingaon Guwahati Kamrup, Assam 781031

Ratings and reviews

Great app so far. Started with a small amount (4k). I paid EMI timely, so unlocked a higher amount after every repayment. ONE BIG REQUEST: Increase the tenure from 2 months to higher as it is hard to pay a large sum at once. They said if I pay timely, they allow 3 or 4 month tenure but don't get till now. Otherwise I give full 5 star ⭐..

It is very unpredictable app, they have some worst policies which doesn't sute most of the borrower. I closed existing loan bit early expecting higher amount, but as per their policy if is closed earlier then not eligible for next time. Customer support is also worst, won't respond properly and talk like local gundas and cut the phone if ask for clarification.

PayRupik has been a lifesaver in times of financial need. The app is user-friendly, and the loan approval process is super quick. I was able to apply, get approved, and receive the amount in my bank account within minutes! No unnecessary paperwork or long waiting periods. What I really appreciate is the transparent terms, low processing fees, and flexible repayment options. Customer support is also responsive and helpful whenever I have queries

What’s new

1. Optimized customer information entry process
2. Expanded customer financial product offerings
2. Optimized known defects.

Update today for the best PayRupik experience!
Thank you for your continued support and trust.