PayRupik Instant Personal Loan
PayRupik Instant Personal Loan has 31,371,453 installs (+0.5% this week), rated 4.1 from 2,844,444 ratings, #147 of 129,285 in Finance.
Description
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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: 2.92%
Daily Percentage Rate: 0.096%
Interest Amount: ₹1,152 = ₹10,000 × 35.04% × (120 / 365)
Processing Fee: ₹400 = ₹10,000 × 4%
GST on Processing Fee: ₹72 = ₹400 × 18%
Total Charges: ₹1,624 = ₹1,152 + ₹400 + ₹72
Total Repayment Amount: ₹11,624 = ₹10,000 + ₹1,624
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: [email protected]
Phone: 02248930118
Address:
Agyathuri, Chamajali, Amingaon Guwahati Kamrup, Assam 781031
Reviews The reviews Google Play shows first (its most relevant), from the US store, in any language.
From 2,844,443 ratings.
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★☆☆☆☆ Amaan sidd · 17 Sep 2026 · v3.0.4Please do not take a loan from this app. This is a genuine request from my side. The interest rate is extremely high and the repayment tenure is very short, usually only 1–2 months. The interest rate can be as high as 140%, which makes the loan extremely expensive. For example, if you borrow ₹25,000, you may end up having to repay around ₹35,000–₹36,000 within just 2 months. That means paying approximately ₹10,000–₹11,000 extra on a ₹25,000 loan in a very short period. In my opinion, there ar
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★☆☆☆☆ Dipanshu Pandey · 16 Sep 2026 · v3.0.4Presnol is the worst and dirtiest app for loan and it charges the worst interest. It is a very bad app. Do not take loan from it at all ye This is such a terrible app; they recover ₹18,000 against a loan of ₹10,000, and that too within just 60 days. Do not take a loan from them at all; stay as far away from them as possible. It is really bad.
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★☆☆☆☆ mohammed danish ansari · 16 Sep 2026 · v3.0.4I already paid all installment in time but my credit limit is decreased. and tjis time my application got rejected I don't know why this is happened. Really worst and pathetic experience. and if there is option of below rating that i will also give. RegardsDeveloper reply · 1 Jun 2024Hi, Thanks for your kind words. We will share your feedback with our team. Don’t forget to share your Payrupik experience with friends & colleagues. Thank You.
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★☆☆☆☆ Gonela Naresh · 15 Sep 2026 · v3.0.4⚠️ WARNING: Please Do NOT Use This App! Please stay away from this loan app. The interest rates shown inside the app are completely different from what they actually charge. For example, they may approve a ₹50,000 loan, but only ₹45,000 is actually disbursed. However, you are expected to repay around ₹59,000. Where are these additional charges and interest rates coming from? This is extremely misleading. On top of that, the repayment period is less than 60 days, which puts unnecessary pressur
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★☆☆☆☆ Asnah.k Asmah12 · 13 Sep 2026 · v3.0.4🥲"I have previously taken loans through your platform and paid all my installments on time without any delay. However, my new loan application is not getting approved now. What is the reason for this? This has been a very disappointing experience for me. Kindly look into this and sanction my loan at the earliest."
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★☆☆☆☆ Hussain sheikh · 13 Sep 2026 · v3.0.4experience was great for the first time but after timely payment of second time and reapply for loan on 7 September ,loan was sanctioned and even the emi details has also came immediately but iamount is not credited in my bank . sent mails but no response, neither any solution on call support. not credited till 13 sept. old credit limit decrease and new less credit limit showing,after applying the new limit also can rejected and on hold till 30 days.very disappointing. fraud with customers.
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★☆☆☆☆ Gagandeep Singh · 12 Sep 2026 · v3.0.4i wouldn't be given a single star if there was a only comment policy, this is the worst app i have ever used. firstly they are charging you a 199 Rs for finding if you can get any offer? second that are taking almost a day to verify that a loan can be offered. this is the disaster in this type of applications. i don't recommend this application in any terms. do not even download .
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★★★★★ ARIF THE DEVIL · 12 Sep 2026 · v3.0.45 ⭐ I really like this app. I have received payments from it twice. It is a good app; it meets needs during emergencies and offers ample time for repayment. Like other similar apps, the repayment amount is on the higher side, but it is reasonable and doesn't feel too burdensome—hence, 5 stars.
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★★☆☆☆ Virendra Rajput · 1 Sep 2026 · v3.0.4I am very happy with my experience using this service. The overall process was simple, smooth, and easy to understand. The application is user-friendly, and all the important features are available in one place. I especially liked the quick response and easy account management. The interface is clean, and even a new user can understand it without much difficulty. The verification and other required processes were also convenient. Customer support is helpful whenever there is any issue or confusi
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★☆☆☆☆ vansh Malik · 1 Sep 2026 · v3.0.4😡😡😡😡😡 Very disappointed with the service! Earlier, the loan approval process was fast and smooth, but now it is extremely slow. My application is taking unnecessarily long with no proper update. If you are unable to process applications quickly, at least provide a clear status instead of making customers wait endlessly. Please approve/process my loan application immediately and improve your service.
Search Android reviews - every stored review from the store, not only this listing's.
Growth change in installs
| Per | Growth | Growth % | Actual change | Measured over |
|---|---|---|---|---|
| day | Not enough history yet | |||
| week | +162,143 | +0.5% | +164,189 | 7.1 days |
| month | Not enough history yet | |||
| year | Not enough history yet | |||
How these figures are measured
Change in installs, scaled to each window from the real gap between crawls. A window needs a full period of history before it reports anything.
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