Rupayan Finance & Industrial Corporation Limited — a trusted Non-Banking Financial Company providing transparent, compliant, and accessible lending solutions across India.
Quick approval · 100% transparent · RBI Compliant
🔒 Your data is safe · Regulated by RBI · No hidden charges
No complex paperwork. No hidden charges. Just a fast, transparent loan process you can trust.
We are RBI-compliant, fully transparent, and committed to fair lending practices.
Use our simple EMI calculator to estimate your monthly repayment amount before applying. Annualized personal rate charges vary from 8.96% to 65% (flat) with a flexible period of 3 to 78 months.
Quick estimate for your monthly repayment
Loan approved and disbursed within the same day. The team was transparent about every charge and there were absolutely no hidden fees. Excellent service!
As a small business owner, getting credit was always difficult. Rupayan Finance understood my needs and approved my business loan without any hassle.
The NACH mandate process was explained clearly and the EMI deductions are always on time. I trust Rupayan Finance completely. Highly recommended!
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A trusted, RBI-registered NBFC committed to transparent, fair, and accessible financial solutions for every Indian.
Rupayan Finance & Industrial Corporation Limited is a Non-Banking Financial Company (NBFC) duly registered with the Reserve Bank of India. We specialize in providing personal loans, business finance, consumer credit, and industrial lending solutions.
Founded with a vision to democratize credit access in India, we operate on the principles of transparency, fair pricing, and customer respect. Every loan we disburse follows RBI's Fair Practices Code to the letter.
To provide accessible, transparent, and affordable credit to individuals and businesses across India, empowering them to achieve their financial goals while strictly adhering to regulatory guidelines.
To be India's most trusted NBFC — known for integrity, innovation, and inclusive financial services that uplift communities and fuel economic growth.
As per RBI guidelines, we have appointed a designated Nodal Officer for customer grievance redressal.
If not satisfied with our response, you may escalate to RBI Ombudsman at https://cms.rbi.org.in
Flexible, transparent, and RBI-compliant financial products designed for every borrower profile.
Our Personal Loan is designed for salaried employees, self-employed individuals, and business owners who need instant credit for personal needs — whether it's a medical emergency, home renovation, travel, wedding expenses, or education.
Fuel your business ambitions with our flexible Business Loan. Whether you're an SME looking for working capital, need to purchase equipment, or want to expand operations — we have the right financing solution for you.
Our Consumer Finance product lets you purchase the appliances, electronics, furniture, or gadgets you need today — and pay in easy monthly installments. Available at point-of-sale with instant approval.
Rupayan Finance & Industrial Corporation specializes in industrial financing — providing credit for plant & machinery, infrastructure development, and large-scale industrial projects with customized repayment structures.
Know exactly what documents you need to apply for a loan. Simple, minimal, and fully digital.
All documents must be self-attested with your signature.
Aadhaar and PAN are mandatory for all loan types.
Documents can be submitted digitally via WhatsApp or our portal.
Your KYC data is encrypted and stored securely per RBI norms.
Understand how automatic EMI deduction works — simple, secure, and RBI-authorized.
NACH (National Automated Clearing House) is a centralized payment system operated by NPCI (National Payments Corporation of India). It enables automatic deduction of your EMI from your bank account on the due date every month — without you having to do anything manually.
By registering a NACH Mandate with us, you authorize Rupayan Finance & Industrial Corporation Limited to debit your bank account for the agreed EMI amount on the scheduled due date each month throughout the loan tenure.
NACH is operated by NPCI under RBI authorization. Your bank account details are protected with bank-grade encryption.
We will NEVER debit your account without your explicit signed consent on the NACH mandate form. You are in full control.
You can cancel the mandate at any time by contacting us or your bank directly. Cancellation does not waive repayment obligations.
Have questions about a loan? Want to apply? We're here to help — reach out anytime.
Reach out to us via phone, email, or visit our office. Our team is available Monday through Saturday, 9AM to 6PM.
We'll get back to you within 24 hours.
🔒 Your information is private and will not be shared with third parties.
How we collect, use, and protect your personal information.
Rupayan Finance & Industrial Corporation Limited ("Company", "we", "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our services.
We do NOT sell your personal data to any third party. We may share your information only in the following circumstances:
Your KYC and financial data is stored on secure, encrypted servers. We implement industry-standard security measures including SSL encryption, access controls, and regular security audits. All employees handling customer data are bound by confidentiality agreements.
We retain your personal data for a minimum of 8 years after loan closure, as required by RBI guidelines and applicable law. After this period, data is securely deleted.
For any privacy-related queries, contact: privacy@rupayanfinance.com or write to our Nodal Officer at the registered office address.
Governing terms for use of our services and loan agreements.
You must be an Indian citizen aged 21–60 years, with a valid PAN and Aadhaar card, and a regular source of income to be eligible for our loan products.
EMIs are collected via NACH auto-debit on the scheduled due date. It is your responsibility to maintain sufficient balance in your bank account on the due date. Bounced EMI may attract a bounced cheque/NACH charge as per the loan agreement.
Prepayment or foreclosure of loan is allowed. Prepayment charges, if any, will be as disclosed in the loan agreement. RBI guidelines on prepayment charges for floating rate loans are followed.
In case of default, we follow RBI's Fair Practices Code for recovery. We do not engage in coercive or abusive recovery practices. Legal remedies may be pursued as per law.
Your loan account and repayment history will be reported to credit bureaus (CIBIL, Experian, etc.) as required by RBI. Timely repayment improves your credit score.
These terms are governed by the laws of India. Disputes are subject to the jurisdiction of courts in [City], India.
Our policy on loan cancellations, payment refunds, and related matters.
You may cancel your loan application at any time before the loan amount is disbursed to your bank account. To cancel, contact us at info@rupayanfinance.com or call our helpline. Processing fee, if already paid, is non-refundable unless the loan is rejected by us.
Once the loan amount has been disbursed to your bank account, the loan cannot be cancelled. You may foreclose the loan by repaying the outstanding principal along with any applicable foreclosure charges.
The processing fee is deducted at the time of loan disbursement and is non-refundable. In case the loan application is rejected by us, no processing fee is charged.
Any excess amount paid (overpayment) will be refunded within 7 working days of identification, to your registered bank account. Contact us immediately if you believe you have overpaid.
Write to us at: refund@rupayanfinance.com with your loan account number, payment details, and reason for refund request. Our team will respond within 3 working days.