PayRupik provides fast personal loans up to ₹ 20,000. Simple process, data security, transparency, and dedicated customer support.
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Are you looking for a flexible and secure financial solution? PayRupik is the key for you. Currently, the app has over 1 million users in India, making it easier for users to access financial resources in the best possible way.

Moreover, PayRupik offers convenience with a simple borrowing process, no credit history requirements, and flexible terms. Not only that, but affordable and transparent interest rates are changing the way you deal with personal finances. Simple, fast, and secure – the PayRupik App is always there to accompany you on this financial journey.

Features available on the PayRupik App

PayRupik provides a variety of features to meet users’ personal financial needs. Here are some features within the app, as follows:

  • Quick loan feature, allowing users to receive the required amount within 30 minutes.
  • Providing competitive and attractive interest rates for users, helping to reduce the burden of payments.
  • Flexible loan terms that suit individual borrowing needs, with the option to extend the loan.
  • Simple and easy registration process, without the need for credit history or complex paperwork.
  • The app adheres to international security standards to protect users’ personal information.

With these features, PayRupik is becoming a flexible and convenient financial solution for users in India.

Product details of borrowing at PayRupik

PayRupik provides transparent and secure borrowing products for users, including:

  • Loan amounts ranging from ₹ 1000 to ₹ 20,000
  • Maximum Annual Percentage Rate (APR) of 35% per year
  • Minimum loan term of 91 days and a maximum of 365 days
  • Processing fees ranging from ₹ 80 to ₹ 2000, depending on the term and loan amount
  • Applicable 18% GST tax on processing fees as per Indian laws and policies

Example for a loan amount

Suppose you borrow an amount of ₹ 6000 with an annual interest rate of 25% and a loan term of 120 days, as follows:

  • Interest amount: ₹ 6000 x 25% / 365 x 120 = ₹ 493
  • Application processing fee: ₹ 100
  • Goods and Services Tax (GST): 100 x 18% = ₹ 18
  • The total amount to be paid in 120 days would be ₹ 6000 + ₹ 493 + ₹ 100 + ₹ 18 = ₹ 6611.

Requirements for borrowers

PayRupik applies some basic requirements for borrowers. Here are the main requirements that users need to meet to be eligible for borrowing through the app, including:

  • Having a stable monthly income from a job
  • Receiving salary through a bank account or digital wallet
  • Age ranging from 20 to 50, being an Indian citizen
  • Having all the necessary documents such as a national identity card or passport
  • Having a smartphone with internet connectivity.

Pros and cons of the PayRupik App

The PayRupik app also has its pros and cons that need to be considered before use. Here are some strengths and weaknesses of this app:


  • Quick disbursement speed.
  • Simple registration process.
  • Competitive and transparent interest rates.
  • No requirement for a good credit history.
  • Transparency in the borrowing process.
  • Diversity in loan products.
  • Professional customer support.
  • Ensuring safety and privacy for user data.


  • Limitations on the loan amount.
  • Restrictions on the user base.
  • App still has occasional access issues.
  • High interest rates and short borrowing period.

Contact information and customer support

Here is the contact information and customer support of PayRupik, including:

  • Email: [email protected]
  • Phone number: 0224-8930118
  • Complaints number: 08047181465
  • Website:
  • Office address: Agyathuri, Chamajali, Amingaon Guwahati Kamrup, Assam 781031, India.

PayRupik is committed to providing professional customer support for any issues related to the services and products on the app. If you have any questions or feedback, please contact through the provided channels to receive the most prompt and effective support.

The loan application process at PayRupik

The loan application process at PayRupik is carried out through the following steps:

Step 1: Users start by downloading the PayRupik APK/IOS and logging into the app. Download at

Step 2: After logging in, users need to check for eligibility requirements and complete the account verification process.

Step 3: Users need to provide detailed personal information as well as relevant images as requested by the app.

Step 4: Upon completing the registration, users can check the app status to track the approval process.

Step 5: Once the application is approved, the loan amount will be transferred directly to the user’s bank account within 30 minutes to 2 hours.

Through these steps, users can easily access and utilize the loan service from PayRupik conveniently and efficiently.


With its fast loan disbursement speed, simple process, and transparency, PayRupik is not just a convenient loan app, but also a flexible and secure financial solution for users in India. Additionally, PayRupik is committed to providing professional customer support and opening up opportunities for thousands of users to access financial resources conveniently and more reliably than ever.

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