Sayyam Investments Private Limited is a registered Non-Banking Financial Company (NBFC) regulated by the Reserve Bank of India (RBI). Sayyam specializes in providing digital lending solutions tailored to meet the evolving financial needs of individuals across India.
We offer a range of services including:
Yes, Sayyam Investments Private Limited is a RBI-registered Non-Banking Financial Company (NBFC) operating as a non-deposit-taking non bank financial institution. We are fully compliant with regulatory norms and offer a wide range of digital lending solutions.
Our registered office is located in Guwahati, Assam, while our corporate and operations offices are strategically located in key cities across India to support nationwide lending and partnerships.
Sayyam Investments is a trusted personal loan finance company offering a range of unsecured credit products such as:
As a certified NBFC, Sayyam operates under the governance of the Reserve Bank of India (RBI) and adheres to all applicable guidelines for non bank financial institutions offering digital lending services.
We maintain a strong in-house compliance team and robust internal controls to ensure full adherence to RBI directives. Our operations, especially for NBFC instant loans, follow stringent KYC, underwriting, data security, and fair lending protocols.
Our operations are guided by core values of trust, transparency, customer-centricity, and innovation. As one of the best NBFC for personal loan, we believe in delivering secure, fast, and fair financial access to underserved and digitally active segments.
We serve salaried professionals, self-employed individuals, and young credit seekers across India. Our offerings include loans without collateral, flexible tenures, and fast disbursal — making us a trusted NBFC for personal loans.
Sayyam follows a strict data privacy policy aligned with Indian IT laws. We promote fair lending practices and have a dedicated grievance redressal system to ensure customer satisfaction and regulatory compliance.
We welcome collaboration with banks, NBFCs, and fintechs looking to scale through co-lending partnerships. To explore partnership opportunities, please reach out to us at:
Email: __________________
Phone: +91-______________
PayRupik is a digital lending platform powered by Sayyam Investments Private Limited. It allows users to apply for quick and hassle-free personal loans through a mobile app. As a registered non bank loan company, Sayyam ensures that all lending operations on PayRupik comply with the RBI regulations, offering a safe and reliable borrowing experience.
You can download the PayRupik app from the Google Play Store. It provides an easy to use interface for applying for personal loans anytime, anywhere making it a standout solution from a trusted personal loan finance company in India.
PayRupik offers fast, secure, and paperless loan approvals with minimal documentation. The platform combines compliance, technology, and user-first design to meet your credit needs more efficiently.
Once approved, loan amounts are typically credited within minutes to a few hours. This makes PayRupik a preferred choice for those looking for loans without collateral and a quick turnaround in times of financial need.
Yes, with PayRupik, everything from application to disbursal is 100% digital. As one of the best NBFC for personal loan solutions, it eliminates the need for physical visits or paperwork, ensuring a seamless and modern lending experience.
Sayyam Investments partners with leading banks, fintech platforms, and technology providers to strengthen its lending infrastructure and expand financial access. As a trusted personal loan finance company, these collaborations help us deliver seamless, compliant, and scalable credit solutions to individuals across India.
A credit score is a number between 300 and 900 that tells how likely you are to repay borrowed money on time. This number is based on how you've handled loans and credit cards in the past — whether you paid your EMIs and bills on time, how much credit you use, how long you've had credit accounts, and more. The higher the score, the more financially trustworthy you appear to banks and lenders.
Your credit score plays a big role when applying for any loan or credit card. A high score increases your chances of getting approved and helps you get lower interest rates and better loan amounts. A low score can make borrowing difficult or expensive. It also helps you get quicker approvals without the need for too many documents.
If you’ve never taken a loan or used a credit card, your credit report might show "NA" (Not Available) or "NH" (No History). This means there's no past credit behavior to evaluate. You can start building your credit history by taking small loans or credit-building products and repaying them on time.
| Score Range | Assessment | Likely Outcome at PayRupik |
|---|---|---|
| 750–900 | Excellent | High loan amounts, quick approvals |
| 700–749 | Good | Eligible for most loan products |
| 600–699 | Average | Loan approval possible, higher rates |
| Below 600 | Weak | Higher rejection risk or limited offers |
| NA/NH | No History | Considered for first-time borrower offers |
Yes. A PayRupik loan, when repaid on time, builds your repayment history and positively contributes to your credit score. We also report repayment behavior to all major bureaus.
It’s a record from credit bureaus (CIBIL, Experian, Equifax, CRIF) showing your past loan behavior. It includes details of your loans, repayments, delays, and credit usage.
You can check your credit score for free by visiting:
We fetch your updated report through our authorized bureau integrations, and checking it does not lower your score.Credit bureaus usually update your credit report every 30 to 45 days, based on when lenders submit your data. Your report gets updated after Sayyam and other lenders share data.
If any PayRupik-related data is incorrect, email us at [email protected]. We’ll validate and coordinate with the bureau to correct it.
Once your loan is repaid, we report closure within 15 days. It may take 30–45 days to reflect. If not updated, contact [email protected].
Settled: You paid a partial amount after negotiation.
Written Off: The loan remained unpaid too long.
Both affect your credit score negatively.
No, checking your own score is a soft inquiry and does not impact your credit score.
Frequent EMI delays, new loan rejections, or overuse of credit can negatively impact your score.
The rejection itself doesn’t reduce your score, but a hard inquiry does. Multiple hard inquiries can bring down your score.
Yes, completing repayments on time helps. Prepayment is fine but full tenure builds longer history.
Possibly. We consider more than just score, but a low score may reduce loan limit or increase interest rate.
Check at least every 3 months—especially before applying for new credit or loans.