Your Online Personal Loan Companion

Apply instant personal loan online through Roopya to avoid the hassles of offline loan applications. A personal loan that can be your savior during tough financial situations or for fulfilling your dreams is not difficult to secure. Simple eligibility criteria of Roopya and minimal documents required for the virtual applications process can get you a personal loan amount of up to 40 lakh or more depending on your profession.

Medical loan

Medical Emergency

Need emergency fund to take care of medical issues? We got you covered

Weddings Loan

Weddings

Wedding day is possibly the most important day in your life.

Home Renovation

Home Improvement

Home is the ultimate place where you want to spend your days without tension.

Education Loan

Higher Education

Don't let money be a factor. In your daily life, fund crunch is as normal as breathing.

Holiday Loan<

Holiday Loan

From a hectic schedule, you always want to spend a few days in solitude.

Benefits of Personal Loan

Flexible repayment tenure and competitive rates of interest help you to repay the loan burden in affordable EMIs when you apply instant personal loan online. And the availability of multiple top-rated lenders makes it possible to bag a personal loan at the lowest rate of interest. So to apply instant personal loan, Roopya is the most competent platform for you. Apart from being the most reliable way to get funds for your immediate needs, availing of a Personal Loan has many benefits, which are:

  • Once your application is approved, the funds are credited to your account within three seconds
  • We give you the flexibility to choose the loan tenure. You can apply for a loan from 12 to 60 months.
  • We give you the flexibility to choose the loan tenure. You can apply for a loan from 12 to 60 months.
  • Our online services allow you to keep track of the application status and get any assistance you want 24×7.
  • Minimum documents needed.
  • The interest rate is fixed and it remains the same throughout the loan tenure.
  • You need not provide any collateral or security.
  • The benefits are applicable for select customers upon completion of online verification and acceptance of the final offer.

Personal Loan Eligibility

The following factors are considered by lenders while going through your loan application. If you meet these criteria, consider yourself eligible for a personal loan. When you apply instant personal loan with us, our nimbleness is incomparable in terms of approving the application instantly and sanctioning the loan amount in the least time compared to other leading credit platforms in the market.

Criteria Salaried Self-Employed
Age 21 years onwords 25 years onwords
Net Monthly Income Rs.12,000 Rs.25,000
Minimum Loan Amount Rs.5,000 Rs.50,000
Maximum Loan Amount Rs.40 lakh Rs.1 crore

Compare Personal Loan

The availability of multiple banks and NBFCs allows you to compare the interest rates and tenures against a particular loan quantum. Besides this, the competitive interest rates make it possible to get the lowest personal loan interest rate in the market. Also, you can get an overview of the estimated EMI using the EMI calculator.

Upto 20 Lacs

max amount

12.5% - 16.6%

ROI starting

1 - 4 Years

Tenure

2.00 - 3.00%

fees

EMI

1 Lac to 30 Lacs

max amount

10.99% - 19%

ROI starting

1 - 5 Years

Tenure

3.00%

fees

EMI

1 Lac to 25 Lacs

max amount

12% - 18%

ROI starting

1 - 5 Years

Tenure

Up to 1.5%

fees

EMI

Get a brief idea about what you can get if you apply instant personal loan with us.

Instant Approval

Meeting the eligibility criteria and providing the right documents lead you to instant approval if you apply instant personal loan with Roopya.

Quick Disbursal

Instant approval leads to fast verification and you end up getting quick disbursal of the loan amount directly into your bank account. And in some cases, getting access to the fund is possible even in one hour when you apply instant personal loan online through Roopya.

Lump-Sum Loan Amount

Depending on your potential, you can get a personal loan of up to Rs. 40 lakh or more. So if you apply instant personal loan through Roopya can cover all of your personal expenses.

Repayment Tenure

When you apply instant personal loan through Roopya, a repayment tenure ranging from 12 months to 60 months will be easily available to repay the loan amount.

Competitive Rates of Interest

The availability of multiple lenders on Roopya’s portal makes it possible to get a personal loan at the lowest rate of interest. It means if you apply instant personal loan online through Roopya, you can bag a low-interest personal loan.

Competitive Rates of Interest

The availability of multiple lenders on Roopya’s portal makes it possible to get a personal loan at the lowest rate of interest. It means if you apply instant personal loan online through Roopya, you can bag a low-interest personal loan.

EMI Calculator

When you decide to apply instant personal loan online, Roopya lends you the hand of assistance to get an overview of your estimated EMIs even before applying for the loan. The EMI calculator of Roopya is free to use and can give you a clear perception of your monthly repayment burden.

Transparent Policies

No hidden charges are there when you apply instant personal loan through Roopya. Starting from the rate of interest and processing fee, every major and minor detail of the fees charged by the lenders are elaborated on the platform. It means you don’t have to bear any hidden charges to apply instant personal loan online.

Transparent Policies

No hidden charges are there when you apply instant personal loan through Roopya. Starting from the rate of interest and processing fee, every major and minor detail of the fees charged by the lenders are elaborated on the platform. It means you don’t have to bear any hidden charges to apply instant personal loan online.

Simple Eligibility Criteria

Roopya has simple eligibility criteria that are easy to understand and meet. So you can apply instant personal loan online without any complications to prove your eligibility.

Minimal documentation

Simple documents to prove your identity, age, income, financial conditions, and occupation are enough to prove your eligibility for the loan when you apply instant personal loan through Roopya.

Compare Lenders

Multiple lenders such as banks and NBFCs are available on the website and you can view their credit policies and compare them at one place to apply instant personal loan online through Roopya.

Multi-purpose Loan in Nature

When you apply instant personal loan online, you make the most right decision to support all of your longed desires and cover your financial emergencies that need immediate attention.

Travel More

Wanderlust is irresistible and personal loan lenders understand that. So, when you decide to apply instant personal loan online, you take one step forward to fulfill your dream of traveling to new destinations. Personal loan quantum can easily sponsor your trips and their relevant expenses

Arrange a Wedding

Weddings are meant to look like a dream and that needs a huge fund to support. Apply instant personal loan online as it is quick to get and the high loan quantum can help you to manage the expenses like wedding outfit, jewelry, decorations, food, conveyances, and much more that Indian weddings require.

Capital for Your Business

Getting a business loan can be time-consuming and it makes you more impatient when you need urgent funds for your business operations. Well, a personal loan can have your back with a maximum loan quantum of Rs. 40 lakh or more. It means, to apply instant personal loan through Roopya can cover your business requirements too.

Consolidate Debt

Paying high-interest debts can make a hole in your pocket and personal loans can save you from that. You can apply instant personal loan online to consolidate your existing debts. Some lenders also offer a balance transfer facility to transfer your existing debts to them and repay it at a comparatively lower rate of interest.

Renovate and Repair

Changing the decor of your home or repairing or replacing the old electronic appliances can be costly, but not with a personal loan anymore. These expenses might not require too much amount to tackle the expenses. So you can even apply instant personal loan that is not very high in amount with Roopya.

Higher Studies

Getting a higher educational degree can be expensive as the admission fees and regular fees can be high. But it’s not so high for a personal loan quantum as it can be higher than the expenses.

When you apply instant personal loan online you don’t have to elaborate on the reasons for taking so. It means you can freely use the amount wherever you want.

How to Apply Instant Personal Loan Online Through Roopya?

Roopya has the most hassle-free application process. To apply instant personal loan online, you need to go through the following steps.

  • Go to Roopya’s official webpage and go through its eligibility criteria.
  • There to apply instant personal loan online, enter your name, age, income, etc.
  • In the EMI calculator enter the required loan amount, tenure, and interest rate to calculate the estimated EMIs.
  • Then Roopya will present a list of lenders for you that Roopya has found most suitable for you.
  • Check the lenders, their eligibility criteria, rates of interest, and other charges and policies.
  • Compare them to select one lender for you.
  • Now finish the online application process by uploading the required documents online.

The Approval And Sanction

  • The whole application process will take 2 minutes to complete.
  • After the initial verification process, Roopya will intimate you with instant approval if you primarily qualify for the loan.
  • Then a representative on behalf of the lender will collect tour documents.
  • The lender will crosscheck your eligibility and then process the loan into your bank account as early as possible.

Frequently Asked Questions

You can simply visit the official web page of Roopya and fill in the form. A representative will verify your information, and your loan will be credited to your account within the lowest time frame which can be as low as 10 seconds.
To avail a personal loan, the documents you need to provide are:
  • Aadhar card/ Voter Id Card (To verify your name, address proof and nationality)
  • Bank Account Details (To transfer the funds)
  • Proof of Your Earnings (To prove that you have a certain earning and capable of repaying the loan.)
If you want a top up on your existing personal loans, and have been paying your EMI regularly, then we are always ready to help you with a top up, even though you have an existing one.
As the name suggests itself, a personal loan is something you can avail to meet any of your personal needs. Some of the key features of personal loan are:
  • Fast Transfer of Funds
  • Minimum Documentation Required
  • Flexible Loan Amount and EMI
  • Flexible Usage
You can repay your personal loan at your convenience. The only thing you have to do is to select the method you want to choose, to repay your loan. Some of the methods available to repay your EMI as of now are: Automatic Payment – You can set up auto-pay through Internet banking, and the amount will be debited from your account on the mentioned day. Manual Online Transfer – You can transfer your funds online by yourself to repay your EMI as well. Cheques – You can also use post-dated cheques or drafts to repay your EMI if that’s convenient for you. Standing Instructions – You can instruct your bank to make the payment for your EMI on your behalf on a particular date. Please note that repayment options vary from organization to organization. Hence, it's best to verify the repayment options while availing of your personal loan.
You can easily know your EMI amount from the Personal Loan EMI Calculator designed by us. Just enter your loan amount, preferred tenure of the loan, and the interest rate, and the calculator will display your EMI rate.
To be eligible for a personal loan you have to meet 3 major criteria. Once you meet them, availing a personal loan is no big deal. The 3 criteria that you must meet to be eligible for a personal loan are:
You have to Above 21 Years of Age while applying for the Loan.
You must have a minimum of income of Rs. 15000/month.
To prove your employment stability you must have worked at least for 2 years in your current profession, be it business or service (including at least 1 year of service in the current organization, if employed.)
Once your personal loan is approved and you have signed the loan application, you can choose 2 options to get your funds transferred.
Online Transfer – The amount will be directly sent to your bank account
Payee Cheque – We will send an account payee cheque to your address by post which you can en cash later.
Please note that sending the cheque by post is completely safe and we ensure that they reach to you safely.
This is a special category of personal loan, which a bank offers only when you have an account on that bank for a particular amount of time. The bank decided the loan amount (non-negotiable), which they can pay to you, and the process requires minimum to no documentation as well, since the bank has all your information already. The availing time of a pre-approved personal loan can be as fast as 10 seconds only.

Recommended Blogs on Personal Loan

Personal Loan

Instant Cash Loans in India: The Technology Behind FinTech

The constantly upgrading technology is changing the functions and

January 28, 2021
Personal Loan

Instant Cash Loan in 1 hour: How To Get It?

Instant cash loan in 1 hour is a sigh of relief for those who have

January 25, 2021
Personal Loan

7 Tips To Get Low Personal Loan Interest Rate

Personal loan interest rates have faced a drastic fall due to the

January 21, 2021
View all Personal Loan blogs