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, providing quick access to credit through a simple and secure digital process.
PayRupik is a lending product of Sayyam Investments Pvt Ltd, a Non Banking Financial Company (NBFC) duly registered with the Reserve Bank of India (RBI). Through the PayRupik app, eligible users can avail personal loans of up to ₹2,50,000 through a fully digital and convenient process.
If you are looking for a reliable partner to help manage short term financial needs without complicated procedures, PayRupik is here to help.
Loan Details
Loan Amount: Up to ₹2,50,000
Loan Tenure: 91 days to 180 days
Maximum Annual Percentage Rate (APR): 35.04%

Interest and other charges are calculated based on the approved loan terms and tenure for the borrower. The final repayment amount, including interest and applicable charges, will be clearly displayed to the user before confirming the loan agreement within the app.
Why Choose PayRupik
Transparency
PayRupik offers instant digital loans with clear information about loan terms and charges.
Instant Personal Loan
Loan amounts are transferred directly to your bank account once approved. The process is fully digital and can be completed anytime.
Efficient Process
Apply for a loan through a quick and simple application flow without physical paperwork.
Security
Your data is protected and transmitted through secure HTTPS connections. Information is never shared without your consent except where required by lenders or regulations.
What Should You Do First
1. Download and install the PayRupik App
2. Create an account using your mobile number
3. Upload your KYC documents, including PAN card and address proof
4. Complete verification and submit your loan application
Eligibility
You must be an Indian national
You must be more than 20 years of age
You must have a steady monthly source of income
Representative Loan Example
Loan Amount: ₹10,000
Loan Tenure: 120 days
Processing Fee: 4%
GST on Processing Fee: 18%
Annual Percentage Rate (APR): 35.04%
Monthly Percentage Rate (APR): 2.92%
Daily Percentage Rate (APR): 0.096%
Interest Amount: ₹1152
Processing Fee: ₹400
GST on Processing Fee: ₹72
Total Charges: ₹1,624
Total Repayment Amount: ₹11,624
Important Disclaimer
Loan approval, loan amount, interest charges, and tenure are subject to credit assessment and may vary based on the applicant’s profile and risk evaluation.
PayRupik does not guarantee loan approval. All loans are provided at the sole discretion of the lending partner as per applicable regulations.
Contact Us
If you have any questions, feel free to contact us:
Email: [e-mail]
Phone: [phone]
Address:
Agyathuri, Chamajali, Amingaon Guwahati Kamrup, Assam 781031

Ratings and reviews

What I like about this app is that it rewards good behavior. If you pay on time it'll give you a better amount and almost immediate disbursement. The only problem is High interest rates and very short Tenure. 2months!? But atleast they're upfront about it and we know what we're signing up for. They won't bother you much with calls before due date. Please work on the tenure part team. Give better options to non defaulters

Very disappointing experience. I applied for a small emergency loan, but my application has been stuck on "Under Review" for a long time with no updates or clear timeline. The app claims a fast approval process, but there is no communication from the team. If approval takes longer, at least provide proper status updates and expected processing time. This has been frustrating, especially during an emergency.

I had a very bad experience. According to the app advertising it has no hidden charges but it has a lot of hidden charges and the charges will not be shown until you receive the loan amount. I took a 28,500 loan and I got 26800 in account but I have to pay 35800 to close the loan. Because it had many hidden charges like tech fee, post service fee etc. Definitely not recommended. Also be careful.

What’s new

1. We've upgraded the BBPS process — faster, smoother, and more transparent.
2.New Rewards & Coupons Center is now live— save smart, save more