Rupaiya Exchange is an alternative financial inclusion channel where we provide loans to creditworthy borrowers across India.

At Rupaiya Exchange, we strive to provide the best borrowing experience to our users. And thus, transparency is a very important part of our endeavour. We do not have any hidden fees or charges. Please carefully read the below mentioned fees and charges applicable to the Borrowers.

Registration Fees

Rupaiya Exchange currently, does not charge any registration fees from the users. Anyone can register for free on our platform.

Please note that this is a limited period offer and may change at any time. Register now to avail the offer!

Processing Fees

Our credit team will analyze your profile so that we can provide a suitable custom tailored loan according to your requirements and eligibility.

Rupaiya Exchange shall charge a processing fees once your loan gets successfully disbursed. These charges are based on the loan amount as mentioned below :

Loan Amount processing fees
Upto Rs. 9,999.00 Rs. 1,000.00
Upto Rs. 49,999.00 Rs. 3,000.00
Upto Rs. 69,999.00 Rs. 4,000.00
Upto Rs. 89,999.00 Rs. 5,000.00
Upto Rs. 1,19,999.00 Rs. 6,500.00
Upto Rs. 1,49,999.00 Rs. 8,000.00
Upto Rs. 1,99,999.00 Rs. 10,000.00
Upto Rs. 2,99,999.00 Rs. 15,000.00
Upto Rs. 3,99,999.00 Rs. 20,000.00
Above Rs. 3,99,999 6% of Funded Loan Amount

Government Levies and Taxes as applicable.

For example :-
If your total loan amount is Rs. 5,00,000/- (Five Lakhs) and your loan receives a funding of Rs. 4,00,000/- (Four Lakhs), Rupaiya Exchange shall charge a processing fee of Rs. 24,000/- (6% of 4,00,000) plus levies once your loan gets disbursed successfully.

Types of Loans

We can help you with secured and unsecured Personal and Business Loans.

Personal Loan

Minimum Maximum
Loan Amount Rs 10,000/- Rs 100,000/-
Loan Tenure 1 Month 24 Months
Interest Rate (Flat/Annum) 15% per annum 36 % per annum

Business Loan

Minimum Maximum
Loan Amount Rs 10,000/- Rs 500,000/-
Loan Tenure 12 Months 24 Months
Interest Rate (Flat/Annum) 15% per annum 36% per annum

Prepayment Fees

We do not charge any Prepayment fees.

Late Payment & Collection Charges

When borrowers miss payments and loans become late, Rupaiya Exchange uses best practices from the banking industry to bring the loans back to "current" status.

Rupaiya Exchange shall charge borrowers an interest of 48% per annum of the total default amount or Rs. 50 per Day (whichever is higher) for the tenor of the default.

If there are third parties involved including collection agencies or lawyers, their fee shall be charged to the borrower.