Get Instant Personal Loans with PayRupik (A Product by Sayyam Investments).

Access personal loans of up to ₹2,50,000 through PayRupik, our digital lending platform. Apply in minutes with a simple process, get quick approvals, and experience a transparent borrowing journey designed for your everyday financial needs.

Sayyam Investments PVT LTD : LIVE Products

Personal Loan
Tenure 61 Days 90 Days 120 Days 180 Days
EMI Frequency 1st EMI - 30 Days
2nd EMI - 31 Days
1st EMI - 30 Days
2nd EMI - 31 Days
30 Days 30 Days 30 Days 30 Days 30 Days
ROI 21.90% 21.90% 35.04% 35.04%
PF % 17% 21% 17% 23% 4% 18% 18%
Up-Front 5% 5% 5% 5% 0% 6% 6%
1st EMI 6% 8% 4% 6% 1% 3% 2%
2nd EMI 6% 8% 4% 6% 1% 3% 2%
3rd EMI 4% 6% 1% 3% 2%
4th EMI 1% 3% 2%
5th EMI 2%
6th EMI 2%

Loan Overdue Classification & CIC Reporting

Status Overdue Period
Regular / Standard No overdue
SMA-0 Up to 30 days
SMA-1 More than 30 days and up to 60 days
SMA-2 More than 60 days and up to 90 days
NPA More than 90 days*
Written-Off More than 150 days
!

Please note: If the loan remains overdue for more than 90 days, the applicable overdue/NPA status may be reported to the Credit Information Companies (CICs) as per applicable regulatory requirements. If the account remains unpaid and is subsequently written off after 150 days, the applicable write-off status may also be reported to the CICs. Such reporting may adversely impact your credit score and future creditworthiness and may affect your ability to obtain credit from other banks/NBFCs or financial institutions.

Apply

Enter your details and complete your application quickly through the PayRupik app with a simple digital process.

Get Approved

Your application is reviewed with real-time updates to keep you informed at every step.

Get Funds

Once approved, funds are transferred directly to your bank account for immediate use.

How It Works – Sayyam Investments

How it works

Apply for Loan – PayRupik App
1

Apply

Enter your details and complete your application quickly through the PayRupik app with a simple digital process.

2

Get Approved

Receive quick approval notifications through the app, ensuring a fast and efficient evaluation of your loan application.

Loan Approved – App Notification
Get Your Money – Disbursement Screen
3

Get your Money

Enjoy fast disbursement directly to your bank account, giving you immediate access to the funds you need.

How We Started

How to Apply for an Instant Loan with PayRupik

Apply for a personal loan through the Sayyam app with a simple and fully digital process.
  • Download the app
  • Complete your application
  • Upload required documents
  • Get quick approval
  • Receive funds in your bank account
 

Why Choose PayRupik ?

  • Simple and fully digital process
  • Quick approvals with minimal documentation
  • Seamless and transparent experience
  • Fast disbursal directly to your bank account
Group 1000001703