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RupeeCircle Connects Borrowers and Investors

RupeeCircle is India’s one of the fastest growing peer-to-peer lending platform, a popular alternative to traditional loans and investing options. We cut out the middleman to connect people who need money with those who have money to invest. This results in a win-win situation for both investors and borrowers with borrowers getting funded easily and investors earning great returns.

How RupeeCircle Works

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1. Registration

Register as a borrower/investor by providing your basic personal information and fulfilling KYC norms as per the RBI guidelines to create a RupeeCircle account. Our in-house risk assessment team will verify the information provided and validates the account.

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2. Borrower Applies for the Loan

Upon paying the login fees and account activation, the qualified borrowers can apply for personal or business loans by stating the amount required and the tenure of loans. You would have to provide your necessary personal and financial information and upload the required documents.

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3. RupeeCircle Evaluation & Verification

RupeeCircle risk assessment team evaluates and verifies each loan application. Our proprietary Credit Score model assigns a risk category and interest rate to the loan applicant. Read More

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4. Approved Loans Listed on Marketplace

Once loan application has been approved and the borrower agrees to the terms, the loan is listed on the RupeeCircle Marketplace for investors to fund the loan. Investors then have 14 days to decide if they would like to invest in the borrower’s loan.

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5. Investors Fund the Loans

Once the investors’ registrations are verified and approved, they can invest and have access to all the current loan listings on the market place from their account and flexibly build up their portfolio as per their financial goals and risk appetite. Investors can invest as little as Rs. 5,000 and can commit funds to single or multiple loans to diversify risk. To mitigate risks, a loan is generally funded by multiple investors.

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6. Borrowers Receive The Funds

Once the loan has been 100% funded by investors, the borrower receives the funds after verification by the RupeeCircle underwriting team and the signing of agreement between the borrower and the investor. Loan amount is then disbursed from the investor’s account into borrower’s bank account.

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7. Monthly Returns for the Investor

Borrower repays the loan as EMIs which is credited to the investors who funded the loan. Investors receive the automated monthly returns directly into their bank account, also providing an option to reinvest earnings to achieve benefits of compounding.



This company is having a valid certificate of registration (N-13.02307) dated 27th December 2018 issued by the Reserve Bank of India under Section 45 IA of the Reserve Bank of India,1934. However RBI does not accept any responsibility or guarantee about the present position as to the financial soundness of the company or for the correctness of any of the statements or representations made or opinions expressed by the company and for repayment of deposits/discharge of liabilities by the company.

©2023 All rights reserved by RupeeCircle

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