InstantRupiya
Frequently Asked Questions
Common questions and clear answers about personal loan eligibility, application process, documentation, and repayment on InstantRupiya.
A clearer way forward
What is InstantRupiya?
InstantRupiya is a digital lending platform operated under Aarsh Fincon Limited, an RBI-registered Non-Banking Financial Company (Registration No. B-10.00119), offering fast, transparent, and hassle-free personal loans to salaried individuals.
What are the eligibility criteria?
Applicants must be Indian citizens aged 21 years or older, actively employed as salaried professionals with a valid bank account, PAN card, Aadhaar card, and regular monthly income.
What documents are needed to apply?
You will need your Permanent Account Number (PAN), Aadhaar card (for paperless e-KYC verification), recent bank statements (last 3-6 months), and recent salary slips.
How fast is the loan approval and disbursal?
Once you submit your application and complete digital verification, eligible loans are appraised promptly and disbursed directly to your verified bank account.
How do I repay my loan?
Repayments can be made conveniently via e-NACH auto-debit mandates, UPI, net banking, or through our secure online repayment portal. Visit our Repayment page for details.
Who can I contact for questions or support?
You can reach our customer support desk via phone at +91-7827486530, email at support@instantrupiya.com, or chat directly via WhatsApp (+91-7827486530).
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.