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

This app is a scam. They hide the installment details during the loan approval process and apply extremely high interest rates—much higher than market standards. On top of that, they give an unreasonably short repayment window, often demanding repayment in just two installments. Taking a loan from this app was a big mistake on my part. I strongly advise everyone to stay away from this platform. If you take a loan here, you’re likely to regret it.

This app is a scam. They hide the installment details during the loan approval process and apply extremely high interest rates--much higher than market standards. On top of that, they give an unreasonably short repayment window, often demanding repayment in just two instalments. Taking a loan from this app was a big mistake on my part. I strongly advise everyone to stay away from this platform. If you take a loan here, you're likely to regret it.

4800 paid on the 9th Sep, 2025. now what they did is used my number and registered on various websites and I kept getting the messages 70+ OTP's + REMINDER SMS's + WhatsApp and calls from 8th till 19:30 with threatening messages till I paid. So you guys decide whether you want it or Need it. there are few other apps on the platform that I have reported on various sites. Playstore, Look into this. I won't say it again.l they have "No - Personal I do deletion" but send an email off platform. so NO

What’s new

PayRupik App Update
What's New:

1.Updated privacy policy and permission disclosure statements.

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