InstantRupiya
Fair Practices Code
Standards of transparency, ethical recovery practices, non-discrimination, and fair treatment for all borrowers of InstantRupiya under Aarsh Fincon Limited.
A clearer way forward
Fair Practices Code (FPC)
Aarsh Fincon Limited
InstantRupiya
B-10.00119
Operative (September 2024)
Legal & Regulatory Center
Overview & Regulatory Standards
At InstantRupiya (operating under the corporate umbrella of Aarsh Fincon Limited, an RBI-registered Non-Banking Financial Company, Registration No. B-10.00119), we are committed to conducting digital lending in a fair, ethical, transparent, and responsible manner.
This Fair Practices Code ("FPC") is established in conformity with the Master Directions on Fair Practices Code issued by the Reserve Bank of India (RBI).
Core Commitments
Loan Application & Processing
The loan application workflow is simple, automated, and digital. All eligibility benchmarks and document requirements are communicated upfront, with timely status updates provided during credit evaluation.
Transparent Disclosures & KFS
Prior to digital agreement execution, every borrower receives a standardized Key Fact Statement (KFS) containing APR, interest rate, repayment schedules, and cooling-off period terms. There are zero hidden charges.
Fair Marketing & Non-Discrimination
All promotional materials are truthful, transparent, and non-misleading. Underwriting decisions are made strictly on objective credit algorithms and income capability, without discrimination on grounds of gender, caste, religion, race, or marital status.
Ethical Recovery & Collection Standards
In cases of loan delinquency, recovery processes are governed strictly by RBI debt collection guidelines:
Grievance Redressal Mechanism
Borrowers with concerns regarding fair practice compliance may contact our Grievance Redressal Officer:
Grievance Redressal Desk • Aarsh Fincon Limited
Grievance Officer: Ashok Kumar
Email: stpl.collection@aarshfincon.com | Phone: +91-88266 20992
General Support: support@instantrupiya.com
Complaints are acknowledged within 24-48 hours and resolved in accordance with our Grievance Policy.
Official Policy Document • InstantRupiya (Aarsh Fincon Limited)
Effective Date: September 2024
TAKE A CLOSER LOOK
The details that matter.
Start with what you actually need
Include the expense you are planning for without borrowing more than necessary. Compare the resulting monthly estimate against the room in your budget.
BORROW WITH PERSPECTIVE
Small checks. Better decisions.
Know the full cost
Look beyond the EMI. Consider interest, processing fees and the total amount repayable over the loan tenure.
Read before accepting
Check the repayment schedule and conditions in your agreement. Keep a copy of the documents for your records.
Keep your details safe
Use verified lender channels. Never share an OTP, password or payment PIN with another person.
GOOD QUESTIONS. CLEARER ANSWERS.
A little more clarity.
The details worth knowing before your next step.
Does applying guarantee a loan?
No. A lender reviews your application, documents and eligibility. Check the offered rate, fees and repayment schedule carefully before accepting a loan.
What documents might be requested?
You may be asked for identity, address and income information. The exact requirements are shown during the application; submit documents only through verified channels.
How do I compare loan offers?
Compare the total repayment, annualised cost, processing charges and any late or early repayment conditions—not just the monthly EMI.
Where do I start my application?
Use any Apply Now button to continue to the InstantRupiya loan portal. Review the information and policies shown there before submitting your application.