Home Loan Products

Personal Loan Products

Borrow up to ₹1,00,000 with flexible tenure — 100% digital, instant approval, zero paperwork.


Rates & Terms Overview

Complete details of all applicable charges and loan terms.

100% Transparent Fee Structure

Min Loan Amount

₹1,000

Instant disbursement for minor financial needs

Max Loan Amount

₹1,00,000

Flexible higher limits based on your eligibility

Loan Tenure

12

Customizable duration tailored to your budget

Processing Fee

Up to 10%

Deducted transparently at loan disbursal

FREE

Pre-Closure Charges

No Charges

Pay off early anytime without prepayment penalties

Interest Rate

Up to 1% / day

Calculated on a simple daily reducing balance

Cheque Bounce Fee

₹500 + GST

Standard charge applicable on repayment bounce

Representative Example

Example Calculation

A worked example for a ₹30,000 loan over 3 months

Worked Example
GIVEN

Loan Amount

₹30,000
@ 9% total interest (0.1% / day)

Loan Duration

3 months
DEDUCTIONS & INTEREST
Total Loan Interest ₹2,700
Processing Fee + GST ₹1,500 + ₹270 = ₹1,770
In-Hand Amount
₹28,230
₹30,000 - ₹1,770 (fee + GST)
Total Repayable
₹32,700
₹30,000 + ₹2,700 interest
EMI Repayable (over 3 months) ₹10,900
Processing fee and GST are deducted upfront from the disbursed loan amount.
Rupinow Personal Loan

One Loan. Every Need.

Whether it's a medical emergency, education fee, home renovation, or a dream trip — Rupinow delivers fast, transparent personal loans with a fully digital process.

Amount Range
₹1000 – ₹100000
Tenure Range
12 Months
Approval Time
< 30 Minutes
Collateral
Not Required

Loan Use Cases

*Based on borrower data. Values represent percentage share.

Eligibility Criteria

Who Can Apply?

Rupinow loans are inclusive and designed for salaried employees, self-employed professionals, and business owners.

Age

Between 21 and 65 years of age at the time of applying.

Employment

Salaried employees, self-employed professionals, or business owners with stable income.

Min. Income

Minimum ₹30,000/month. Higher income may qualify for a higher loan amount.

Residency

Indian citizen residing in India with a valid government-issued photo ID.

Required Documents

Minimal Docs, Maximum Speed

Upload everything digitally — no physical copies, no couriering, no branch visits required.

All documents are verified digitally via secure e-KYC. Your data is fully encrypted and stored in compliance with data privacy regulations.

Government ID

Aadhaar Card / Passport / Voter ID for identity and address proof.

PAN Card

Mandatory for credit bureau check and tax compliance.

Bank Statement

Last 3 months showing salary credits or business income.

Income Proof

3 months' salary slips (salaried) or last 1-year ITR (self-employed).

Apply Online

Start Your Loan Application

Takes under 5 minutes. Our team contacts you within 30 minutes during business hours (Mon–Sat, 9 AM–7 PM).

Personal Information
Please enter your full name.
Enter a valid 10-digit number.
Enter a valid email address.
Age must be 21–65 years.
Enter a valid PAN number.
Please enter your city.
Loan Details
Please select a loan amount.
Please select tenure.
Please select loan purpose.
Employment & Income
Please select employment type.
Minimum income ₹15,000/month required.

Your data is encrypted and safe. We never share your information.

✓

Application Submitted!

Our team will review your application and contact you within 30 minutes during business hours (Mon–Sat, 9 AM–7 PM).

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Transparent Pricing

Fees & Charges

No hidden fees. Every charge communicated upfront before you accept your offer.

Charge Type Rate / Amount Notes
Interest Rate Up to 1% / day Based on credit score, income & tenure
Processing Fee Starts at 10% Deducted upfront from disbursed amount
Late Payment Penalty Per loan agreement Charged per day of delay after due date
Prepayment Charges Nil Close your loan early at no extra cost
Foreclosure Charges Nil Full early repayment at no extra cost

*Subject to change. Actual charges will be communicated in your loan offer letter.

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