PayRupik loan app is an online instant personal loan platform that has gained the trust of over 5 million users. As a loan product of Sayyam Investments Pvt Ltd, which is a registered Non-Banking Financial Company (NBFC) under the Reserve Bank of India (RBI), PayRupik ensures a reliable and secure borrowing experience.
The platform allows users to avail loan amounts of up to ₹30,000, making it a convenient option for those in need of quick financial assistance. The application process is designed to be fast, easy, and safe, allowing users to receive instant credit within minutes.
If you’re looking for a dependable solution to borrow money without the hassle of lengthy procedures or excuses, PayRupik is your ideal choice. Its user-friendly interface and efficient service make it a trustworthy companion for your financial needs.

PayRupik Loan App Customer Care & App Details
| PayRupik Loan Interest Rate | Upto 35% p.a. |
| Personal loan Process | Completely digital |
| Processing Fee | From ₹80 to ₹2000 depend on the loan tenure and amount |
| Loan tenure | 91 Days – 365 Days |
| Maximum Loan Amount | ₹1,000 – ₹30,000 |
| Age Limit | 18 to 55 years old. |
| Citizenship | Indian Citizen |
| PayRupik Loan Customer Care Number | 0224-8930118 |
| service@payrupikloan.in |
PayRupik Loan App Eligibility Criteria
- 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.
PayRupik Loan Apply Process
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.
PayRupik Loan Calculation 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%
Is it Safe to Use PayRupik Loan App ?
It is advised not to download this app due to several significant issues reported by users. Key concerns include:
- High Interest Rates: Users say that the loan interest rates in the app are very high, which can cause money problems.
- Repayment Issues: A user took a ₹20,000 loan that was easy to apply for, but they had trouble with the one-month repayment plan. If they were even one day late on their payment, they faced late fees and their CIBIL score dropped without any warning.
- Unmet Expectations for Credit Limits: Another user was disappointed after finishing a loan because they hoped to get a higher credit limit, but when they applied again, they didn’t receive an increase.
- Delayed Fund Transfers: Users have faced long waits for fund transfers after getting their loans approved. For example, one person mentioned that even though they were told the money would be sent within an hour, the status suddenly changed to “under review” right after approval.
- Poor Customer Service: Many users have said they have trouble getting in touch with customer support. They mention that phone lines are often unresponsive and they don’t get email replies, even after trying several times to ask about their loan statuses.
Overall, these issues highlight serious concerns about the reliability and customer service associated with this app, making it advisable for potential users to consider alternative options before proceeding with any transactions or loans through it.
Which loan platform offers personal loans to people with a low CIBIL Score?
You can apply for a personal loan with us (Safeloan Financial Solutions) ! We work with over 50 loan companies to offer different loan options for you. Our platform has helped more than 2 million users, making it a reliable choice for personal loans. With our easy loan application process, you can quickly get the money you need for your emergencies.
You can apply for a personal loan of upto ₹2 lakh with an EMI tenure of a maximum of 2 years. You will get a loan even if you have Zero CIBIL score or a Low CIBIL score. You will also get loan approval even if you don’t have any income proof, salary slip, or bank statement.
PayRupik Loan App Reviews




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