We provide our borrowers with an easy to use, innovative and secure P2P platform for borrowing money online in India. We can help you get Unsecured Personal Loans and Unsecured Business Loans.



Choose your own Terms

When you apply for a loan through Rupaiya Exchange, the terms of your loan such as the max Interest rate, Amount and Duration are set by you.

No Prepayment Fees

Anytime you wish to pre-pay your loan, we shall not charge any Prepayment Fees. Please consult your Lender before Prepayment.

Alternate Credit Check & Analysis

We have incorporated the best practices from banking and non-banking industries to ensure the credit-worthiness of Borrowers.
We Verify and Rate the borrowers based on their Financial, Social & Behavioral patterns.

Easy Online Processing

Applying for a loan online hardly takes 5 minutes and is extremely easy. Your loan can get funded in as less as 24 hours.

Escape the Red Tape

Unlike the traditional sources of finance, we don't drown our users in paperwork. Most of the process is digitized and thus significantly faster.

Competitive Bidding by Lenders

We provide a platform where Lenders can place bids on your Loan listing in a reverse auction manner. Guaranting you the best possible interest rates for your loan.



We can help you with secured and unsecured Personal and Business Loans such as Debt Consolidation Loans, Special Occasion Loans, Auto & Vehicle Loans, Exigency Loans.

Personal Loan

Minimum Maximum
Loan Amount Rs. 5,000.00 Rs. 5,00,000.00
Loan Tenure 1 Month 24 Months
Interest Rate (Flat/Year) 15% per Year 36 % per Year

Business Loan

Minimum Maximum
Loan Amount Rs. 50,000.00 Rs. 10,00,000.00
Loan Tenure 12 Months 24 Months
Interest Rate (Flat/Year) 15% per Year 36% per Year

Please click here to read more about all the applicable Fees & Charges.



For Individual Borrowers

  • Monthly salary atleast Rs. 20,000. NO CASH SALARY.
  • You should be an Indian national, 18 to 60 years of old
  • You should have a PAN Card
  • You should have an active bank account
  • You should have an identity proof and a residence proof
  • You should have a valid income proof
  • You are needed to submit necessary documents as required

For Businesses

  • Minimum Bank Credit of Rs. 5 Lac in the last 12 months
  • Public Company/Partnership/Proprietorship/Private company or OPC
  • Company PAN Card required
  • Company should have an active bank account
  • Certification of Incorporation and a valid registered office proof
  • You should have a valid income proof
  • You are needed to submit necessary documents as required

General Guidelines

  • A Guarantor (Blood Relation) is required for every loan listing. The Guarantor will be legally bound and liable to repay the loan in case the Borrower defaults or is no longer able to repay the loan.
  • Presence on Social Media Platform such as Facebook is mandatory. We use social activity as one of the parameters to determine your credit-worthiness
  • You cannot be a borrower and a lender at the same time
  • Only one loan listing per borrower is allowed on the website
  • If you default on a loan, we will black-list you and you will not be able to apply for P2P Loans through the platform.



For Borrowers

  • A borrower should make a full and honest disclosure of information that would have a significant impact on his/her financial situation.
  • Please make sure that the information and supporting documents provided by you are authentic and unadulterated. Rupaiya Exchange may cancel your loan application and suspend your account indefinitely at any time if your documents and/or information is found to be counterfeit.
  • Please also note that the forgery of KYC documents is a legal offense.
  • It is your moral and legal responsibility to make sure that you repay the loan EMI on time without fail.
  • If you ever change your contact details like phone number, email id or address, please update the new details with us.

Register Now and Get funded quickly and efficiently.

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