Roopya

GEOALGO TECHNOLOGIES PRIVATE LIMITED

About this app

Roopya

Roopya is a digital technology platform developed by GeoAlgo Technologies Private Limited, headquartered in West Bengal, India.

Regulatory Disclosure:
Roopya does NOT provide loans, does NOT act as a lender, and does NOT engage in money lending activities.

Roopya only provides a technology platform that enables users to connect with RBI-registered Non-Banking Financial Companies (NBFCs) for consumer loan products.

All loan approvals, credit decisions, interest rates, disbursements, repayments, and collections are solely handled by the respective lending partner.

NBFC Partner (RBI Registered):
• Narendra Finance Co Pvt Ltd

About Roopya

Roopya enables eligible users to apply for consumer loans against approved product purchases (such as steel products from authorized dealers) through its RBI-registered NBFC partner.

The entire journey is digital, paperless, and designed for transparent EMI tracking.

Users can:
• Apply for consumer loans
• Check loan eligibility
• Track EMI schedules
• View Statement of Account
• Monitor open and closed loans
• Access loan details including tenure and repayment history

Loan Details (Provided by NBFC Partner)

• Loan Amount: ₹50,000 – ₹5,00,000
• Annual Percentage Rate (APR): 12% – 28%
• Repayment Period: 3 months – 12 months
• Processing Fee: 3% of loan amount + ₹1,250 (inclusive of GST)
• Prepayment Charges: Nil

Final loan terms are determined solely by the NBFC partner based on credit assessment and eligibility criteria.

Representative Loan Example

(For illustration purposes only. Actual terms may vary.)

Loan Amount: ₹1,00,000
APR (Sample): 15%
Tenure: 6 months
Processing Fee: ₹4,250

Sample EMI: ₹16,666.67
Total Interest Payable: As per sanctioned terms
Total Repayment Amount = Principal + Interest + Processing Fee

Exact EMI and repayment amount will be disclosed in the loan agreement issued by the lending partner before acceptance.

Key Features

• Loan limit up to ₹5,00,000
• Direct transfer to bank account (by NBFC partner)
• Transparent EMI tracking
• Digital statement of account
• 100% paperless process
• Secure and encrypted platform

Eligibility Criteria

• Indian citizen
• Subject to NBFC credit approval
• Must meet partner eligibility requirements

Documents Required

• PAN Card
• Aadhaar Card
• Bank account details
• Additional documents as required by lending partner

Data Security & Privacy

Roopya follows industry-standard security practices, including encrypted data transmission and secure authentication.

User data is processed securely and shared only with the RBI-registered lending partner for loan processing, in accordance with applicable regulations and our Privacy Policy.

Corporate Information

GeoAlgo Technologies Private Limited

Registered Office:
Mani Casadona, 1st Floor, Unit 1E2
New Town, Rajarhat
North 24 Parganas
West Bengal – 700135
India

Email: [e-mail]
Phone: [phone]