Personal loans, made simple.
Apply online, check your eligibility, and review a personalised offer. Approved amounts go directly to your bank account.
Secure digital application · No obligation to accept an offer
- 24×7
- Application Access
- 100%
- Digital Loan Journey
- 15,000+
- Pincode Served
- Upfront
- Loan Terms and Charges
How Rupyaa works
Apply for a personal loan online in four simple steps.
From registration to repayment setup, the Rupyaa loan journey happens digitally. The exact time required depends on the information submitted, verification checks and the lending partner’s approval process.
Verify your mobile number
Enter your mobile number and confirm it with an OTP to start your secure personal loan application.
Complete your profile and KYC
Share the required personal, employment, income and bank details. Complete PAN, Aadhaar and face verification where applicable.
Review your personalised offer
If eligible, review the loan amount, tenure, APR, fees, repayment schedule and total cost shown in your offer and Key Fact Statement.
Accept and receive funds
Complete e-signing and set up the repayment mandate. After final approval, the lending partner transfers the loan amount to your verified bank account.
Eligibility
Simple Eligibility Requirements
We believe in making financial access simple. To qualify for a Rupyaa loan, you only need to meet a few basic criteria. Check your eligibility in less than 60 seconds without affecting your credit score.
Check EligibilityValid Government ID
Proof of Income
Active Bank Account
Age 18+
Why Rupyaa
A clearer way to borrow online.
Clear from the start
Know the cost before you accept
Review the applicable interest rate, APR, processing fee, repayment schedule and total amount payable before accepting your loan offer.
Personalised eligibility
An offer based on your profile
Your eligibility and loan terms are assessed using the information you provide, verification results, credit profile and the lending partner’s credit policy.
One digital journey
Manage your loan in one place
Track your application, view your repayment schedule, make payments and access important loan documents through the Rupyaa app.
Regulated lending
Loans from regulated lending partners
Every approved loan is sanctioned and disbursed by a bank or NBFC regulated by the Reserve Bank of India. Rupyaa clearly identifies the lender before you accept an offer.
From application to disbursal, made simple.
Apply for a personal loan online, complete verification, review your offer, and get your approved loan amount transferred directly to your bank account.
- Live Status
- Track your application
- Repayments
- View dues and payment history
- Documents
- Access KFS, agreement and NOC
Questions
Personal loan questions, answered.
Need help with eligibility, your application, repayments or loan documents? Contact the Rupyaa support team.
Contact SupportDo I need to arrange a collateral for this loan?
No. A Rupyaa personal loan is unsecured. You do not need to pledge property, gold, or any other collateral. Approval depends on your profile and the lending partner’s credit assessment.
What is the Key Fact Statement (KFS) and when is it provided?
The Key Fact Statement is a clear summary of your loan terms, including the amount, tenure, interest rate, APR, fees, repayment schedule and total amount payable. It is provided before you accept the offer so you can review the terms. Final charges are those shown in the KFS.
How is borrower consent obtained for the loan?
Consent is collected digitally in the Rupyaa app. You verify your mobile number with an OTP, review your offer and Key Fact Statement, e-sign the loan agreement and set up the repayment mandate. The loan proceeds only after you actively accept these terms.
What documents will I receive after taking a loan?
After disbursal you can access your Key Fact Statement, loan agreement and repayment schedule. When the loan is fully repaid, a No Objection Certificate (NOC) is made available. These documents are issued by the lending partner and can be downloaded from the Rupyaa app.
Can I prepay or foreclose my loan?
Yes. You may prepay or foreclose your loan subject to the lending partner’s terms, including any applicable charges. The exact conditions are shown in your Key Fact Statement and loan agreement.
Will my loan details be shared with credit bureaus?
Yes. With your consent, the lending partner may report your loan details, repayment history and any defaults to credit information companies such as TransUnion CIBIL, Experian, Equifax and CRIF High Mark, as required under applicable guidelines.
Need funds? Start with an eligibility check.
Complete a secure digital application and check whether a personalised personal loan offer is available for you. There is no obligation to accept an offer, and approval is subject to verification and the lending partner’s credit policy.
Secure application · Terms and eligibility criteria apply