InstantRupiya
Terms & Conditions
Terms and conditions governing the access and utilization of digital lending services on the InstantRupiya platform.
A clearer way forward
InstantRupiya Digital Lending Terms of Service
Aarsh Fincon Limited
InstantRupiya
B-10.00119
Operative (Sept 2024)
Legal & Regulatory Center
Acceptance of Terms
These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("User", "Borrower") and InstantRupiya, operated under the corporate umbrella of Aarsh Fincon Limited (an RBI-registered Non-Banking Financial Company, Registration No. B-10.00119).
By accessing, registering on, or utilizing our services, you confirm that:
- You are an Indian citizen of at least 18 years of age and legally competent to enter into a binding contract.
- You have provided true, accurate, current, and complete personal and financial information.
- You agree to comply with all applicable local, national, and RBI regulatory guidelines.
Nature of Services & Platform Facilitation
InstantRupiya operates as a digital financial technology platform that facilitates borrower onboarding, document collection, credit assessment, and loan servicing in collaboration with authorized and regulated lending partners.
Underwriting Disclaimers
InstantRupiya does not guarantee automatic loan approval, specific loan amounts, or fixed processing timelines. Final underwriting, risk rating, interest pricing, and credit decisions rest solely with the respective Regulated Entity.
Registration & Account Security
Users must maintain the strict confidentiality of their account credentials, passwords, and OTPs. Any actions taken through an authenticated user account are deemed to be authorized by the registered user.
Loan Application Process
Applicants must submit valid Officially Valid Documents (PAN, Aadhaar/address proof, bank statements, and income slips). Submitting an application does not constitute a commitment to disburse funds.
User Obligations & Prohibited Conduct
Users agree to utilize the platform solely for lawful purposes. Prohibited activities include:
Intellectual Property Rights
All trademarks, logos, UI designs, and software belong exclusively to InstantRupiya and Aarsh Fincon Limited. Unauthorized use, copying, or reverse compilation is strictly prohibited.
Suspension & Termination
We reserve the right to suspend or terminate account access immediately if terms are violated, fraud is suspected, or statutory directives necessitate restriction.
Limitation of Liability
To the maximum extent permitted by law, InstantRupiya shall not be liable for indirect, incidental, or consequential damages resulting from technical downtime, network failure, or rejected credit applications.
Indemnification
Users agree to indemnify and hold harmless InstantRupiya, Aarsh Fincon Limited, and its officers against any losses, liabilities, or legal expenses arising from misuse of services or breach of these Terms.
Governing Law & Jurisdiction
These Terms are governed by and construed in accordance with the substantive laws of India. Any legal dispute or proceeding arising out of or related to these Terms shall be subject to the exclusive jurisdiction of the competent courts in New Delhi, India.
Legal Notices & Communication
Aarsh Fincon Limited (InstantRupiya)
Official Legal Terms • InstantRupiya (Aarsh Fincon Limited)
Effective Date: September 2024
TAKE A CLOSER LOOK
The details that matter.
Know what you are sharing
Review the privacy notice and terms on the loan portal. Understand why documents are requested and use only verified upload channels. The company-approved website policy is awaiting publication.
KEEP YOURSELF INFORMED
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.
Which terms apply to my loan?
Your lender’s official loan agreement and disclosures govern the loan. Read the final offer before accepting it; website guidance is not a substitute for that agreement.
What information should I avoid sharing?
Never share OTPs, passwords, card PINs or UPI PINs. Use verified channels for identity and financial documents, and review the portal’s privacy notice first.
Where can I get account-specific help?
Use the verified contact details in your loan agreement. The company-approved policy and escalation contacts for this website are still awaiting publication.