InstantRupiya
KYC & AML Policy
Know Your Customer (KYC), Anti-Money Laundering (AML), and Combating Financing of Terrorism (CFT) framework of InstantRupiya (Aarsh Fincon Limited).
A clearer way forward
KYC & Anti-Money Laundering Policy
Aarsh Fincon Limited
InstantRupiya
B-10.00119
Operative (September 2024)
Legal & Regulatory Center
Overview & Statutory Mandates
At InstantRupiya (operating under the corporate umbrella of Aarsh Fincon Limited, an RBI-registered Non-Banking Financial Company, Registration No. B-10.00119), we enforce a zero-tolerance policy against money laundering, terrorist financing, identity fraud, and financial malpractices.
This Policy is framed in strict compliance with the Prevention of Money Laundering Act, 2002 (PMLA), the Prevention of Money-Laundering (Maintenance of Records) Rules, 2005, and the RBI Master Direction on Know Your Customer (KYC).
Customer Identification Procedure (KYC)
Prior to sanctioning or disbursing any credit facility, applicant identity is verified using authorized electronic and official mechanisms:
Customer Acceptance Norms
Lending relationships are strictly declined if fictitious details are provided, identity cannot be verified, or the applicant appears on negative sanctions/watchlists.
Risk-Based Approach (RBA)
Customers are categorized into Low, Medium, and High-Risk tiers based on geographic profile, occupation, and transaction volume. Enhanced Due Diligence (EDD) is applied to high-risk accounts.
Transaction Monitoring
Ongoing transaction monitoring identifies anomalous velocity, structuring, or suspicious repayments. Where required, Suspicious Transaction Reports (STRs) are filed with FIU-IND.
Politically Exposed Persons (PEPs)
Applications involving PEPs require Enhanced Due Diligence (EDD), source of wealth verification, and senior management sign-off prior to credit approval.
Statutory Record Retention & Privacy
All customer identification records, KYC documents, and transaction logs are securely archived for a minimum period of 5 years post-account closure in compliance with PMLA statutory mandates.
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.