RupeeCircle

How to Invest

Investment Process

1. Registration – Create an Investor’s
                                            Account

1. Registration – Create an Investor’s Account

To invest, the first step is to create a RupeeCircle Investor Account. Eligible investors need to register by providing basic personal... Read More

close                                                 1. Registration – Create an Investor’s Account

1. Registration – Create an Investor’s Account

To invest, the first step is to create a RupeeCircle Investor Account. Eligible investors need to register by providing basic personal and financial information to fulfil KYC norms as per RBI guidelines, and need to submit required documents to create a RupeeCircle investor account.

Our in-house risk assessment team will verify the information provided and activate the account. Upon account activation, investors can start investing on our platform.

2. Review Verified Listed Loans

Once registered, Investors can review various listed loans on the RupeeCircle Marketplace. Each loan listed is approved after strict underwriting... Read More

close 2. Review Verified Listed Loan

2. Review Verified Listed Loan

Once registered, Investors can review various listed loans on the RupeeCircle Marketplace. Each loan listed is approved after strict underwriting and selection process, and profile verification of the borrower by our in-house risk assessment team.

Our proprietary Credit Score Model assigns a Risk Grade (A to F) for the borrower and Interest Rate for the loan to make your investment decisions simple. Investors can choose which loan to invest as per Borrower Risk Grade, Interest Rate, Loan Amount, Purpose or Tenure of the Loan.

3. Invest in Loans – Commit Funds

3. Invest in Loans – Commit Funds

Investors from their account can invest and have access to all the current loan listings on the marketplace, and can flexibly build up their... Read More

close 3. Invest in Loans – Commit Funds

3. Invest in Loans – Commit Funds

Investors from their account can invest and have access to all the current loan listings on the marketplace, and can flexibly build up their portfolio as per their personal financial goals and risk appetite. Investors can invest as little as Rs 5000/- and can commit funds to single or multiple loans to diversify risk. To mitigate investment risks, a loan is funded by multiple investors.

Diversify Risk – We advise investors to invest in multiple loans to diversify risk, and mitigate risk associated with a single loan.
Max Amount – An investor can invest per loan maximum upto 20% of the loan amount or Rs 50000/- (whichever is lower).

Please note that funds once committed can't be reversed without prior approval from RupeeCircle. However, in case of any discrepancy, an investor can report to RupeeCircle and withdraw the amount committed to that loan.

4. Physical Verification & Legal Documentation

4. Physical Verification & Legal Documentation

RupeeCircle will conduct physical verification of the borrower through a reputed agency to avoid fraudulent and dubious practices. This verification... Read More

close 4. Physical Verification & Legal Documentation

4. Physical Verification & Legal Documentation

RupeeCircle will conduct physical verification of the borrower through a reputed agency to avoid fraudulent and dubious practices. This verification is carried out before listing the borrower’s loan in Marketplace.

Upon successful verification, borrower and investors are required to sign a loan agreement which is a legally binding document enforceable in the court of law. The loan agreement outlines the terms and conditions of investment and repayment. 10 PDC cheques are collected from the borrowers.

5. Disbursal of Funds – Transfer Funds

5. Disbursal of Funds – Transfer Funds

Once the Loan has been funded and Loan terms accepted by the borrower, Investors are obliged to transfer their share of funds committed for... Read More

close 5. Disbursal of Funds – Transfer Funds

5. Disbursal of Funds – Transfer Funds

Once the Loan has been funded and Loan terms accepted by the borrower, Investors are obliged to transfer their share of funds committed for the loan from their bank account to RupeeCircle Escrow Account to discharge their commitment. Total loan amount once collected will be disbursed to Borrower’s bank account within 2 working days.

Investors can transfer funds through NEFT and RTGS. Investors have the option to pre-fund their Nodal Escrow account to ensure fast and hassle-free disbursal to selected borrowers.

Note: Funds in RupeeCircle Investor’s Escrow account are non-interest bearing.

6. Receive Monthly Returns

6. Receive Monthly Returns

Borrower repays the loan through EMIs which is distributed among the Investors in proportion to their Investment A complete returns... Read More

close 6. Receive Monthly Returns

6. Receive Monthly Returns

Borrower repays the loan through EMIs which is distributed among the Investors in proportion to their Investment. A complete returns schedule will be provided to the investor.

Investors enjoy automated monthly returns collected from Borrower's Bank Account via auto debit to Investor’s Escrow Account, providing the golden opportunity to reinvest additional earnings again to achieve benefits of compounding.

Loan Pre-payment – A borrower may also choose to prepay their loan amount in full before the end of the tenure. To protect lender’s interest, Pre-closure of loan can be done only after three months from the disbursal of the loan.

Option to Re-invest – An investor has the option to re-invest their returns in other Listed Loans to grow their portfolio or transfer the amount to their bank account.

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