# Smart Rupiya - Instant Loan — Instant Loan App > Facilitates instant personal loans from registered NBFCs and banks. (iPhone/iPad app by JATALIA FINANCE COMPANY LIMITED.) - Source: https://appshunter.io/ios/app/smart-rupiya-instant-loan/id6449692131 (this page in markdown: same URL + `.md`) - Developer: [JATALIA FINANCE COMPANY LIMITED](https://appshunter.io/developer/1690113783) - Category: Finance - Price: Free - Rating: 5.00/5 from 3 App Store ratings - Age rating: 17+ - Requires: iOS 13.0 · 13 MB - Languages: English - Released: 2023-06-01 - Data updated: 2026-06-10 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/smart-rupiya-instant-loan/id6449692131/reviews.md ## What is Smart Rupiya? Smart Rupiya does not directly participate in lending activities, but only provides a platform to facilitate registered non-bank financial companies (NBFC) or banks to lend users One of our primary partner NBFCs – Jatalia Finance Company Limited is a Systemically Important NBFC within the group companies carrying the brand. Amount from ₹5,000 to ₹5,00,000. Duration from 91days to 180days. Maximum Annual Percentage Rate (APR)： 0.05% per day. The annually maximum interest rate is 18.25%. No other hidden costs. Example of repayment of principal and interest at maturity: If you take a loan with a limit of ₹10,000, an annual interest rate of 18.25%, and a period of 120 days: Daily Interest = ₹10,000 x 18.25% / 365days = ₹5 Total Interest: ₹10,000 x 18.25% / 365days x 120days = ₹600 Daily Repayment: ₹10,000 / 120days + ₹5 = ₹88.3 Total Repayment: ₹10600 The application process takes a few steps with some documentation and the approved loan amount is transferred to the user’s bank account. Exclusive features: - 100% paperless process - Upto Rs 2 Lakh limit. - A collateral-free Online loan. - Convert your short term personal loan to an EMI term loan. - Privilege to pay monthly rent payments via credit card. Eligibility: Borrower must be 18-year old or above. Maximum age limit at the time of the loan is 56 years. Indian citizen. The borrower should be a salaried employee. Monthly net salary should not be less than Rs.15,000. An individual must have a minimum work experience of 6 months. Documents required: Identity proof (Driving license/Voter id/Passport/Aadhar/PAN). Address proof (Driving license/Voter id/Passport/Aadhar/Utility bills/bank statements). E-sign on application with registered mobile and OTP for application. How to apply Sign up / Register, with your mobile number Fill in all required details: Name, Address, Bank account. Upload PAN card, identity proof. Get your credit limit assigned. Esign the agreement. Your loan amount will be credited to your bank account on successfully completing the process. Smart Rupiya Online Loan Uses: Education Medical Home renovation Buying mobile Travel expenses Pay your rental deposit Monthly bills To buy home appliances, furniture, and other items of need Security & Protection of Privacy Data security & privacy is a top priority at Smart Rupiya. We use SHA-2 and 2,048-bit encryption (the strongest security system in the market) security and comply with the SSL certificate. Download Online loan app now and ensure "Financial Happiness" for your family and yourself!!! * Annual Interest Rate varies from 18% to 32%. Reach us: Email: jataliafinancecl@outlook.com Address: 500, 5th Floor, Itl Twin Tower, Netaji Subhash Place, Pitampura New Delhi, Delhi, 110034 ## Key features - Instant personal loans - Paperless application - Loan amounts up to ₹5,00,000 - Flexible repayment terms - Collateral-free online loans - EMI term loan conversion - Monthly rent payment via credit card ## Frequently asked questions about Smart Rupiya ### What is the maximum loan amount I can get with Smart Rupiya? You can get a loan amount from ₹5,000 up to ₹5,00,000 through the platform. One of the exclusive features highlights a limit of up to Rs 2 Lakh, which may refer to a specific partner or loan type. ### What are the interest rates and repayment periods for loans through Smart Rupiya? The duration for repayment ranges from 91 days to 180 days. The maximum Annual Percentage Rate (APR) is 0.05% per day, equating to a maximum annual interest rate of 18.25%. However, the app description also notes that the Annual Interest Rate can vary from 18% to 32%. ### What are the eligibility criteria to apply for a loan via Smart Rupiya? To be eligible, you must be an Indian citizen, at least 18 years old and no older than 56 at the time of loan maturity. You must be a salaried employee with a minimum net monthly salary of ₹15,000 and have at least 6 months of work experience. ### What documents are required to apply for a loan with Smart Rupiya? Required documents include identity proof (like Aadhar, PAN, Driving License), address proof (such as Utility bills or Bank statements), and you will need to e-sign the application with an OTP sent to your registered mobile number. ### How secure is my personal data with Smart Rupiya? Smart Rupiya prioritizes data security and privacy, utilizing SHA-2 and 2,048-bit encryption, which is considered the strongest security system available. The platform also complies with SSL certificate standards. ### Does Smart Rupiya have ads? The provided data does not specify if the app contains advertisements. Therefore, it's not possible to confirm the presence or absence of ads. ### How long does the loan application process take with Smart Rupiya? The application process is designed to be quick, involving a few steps with necessary documentation. Once approved, the loan amount is transferred directly to your bank account. ### Can I use Smart Rupiya for various financial needs? Yes, Smart Rupiya Online Loan can be used for a variety of purposes including education, medical expenses, home renovation, purchasing mobiles, travel, paying rental deposits, monthly bills, and buying home appliances or furniture. ## Version history (last 2 releases) ### 1.0.1 — 2023-07-10 fix some bugs ### 1.0.0 — 2023-06-01 No release notes. ## Apps similar to Smart Rupiya | App | Rating | Price | Category | | --- | --- | --- | --- | | [Fi Money: Open Account Online](https://appshunter.io/ios/app/fi-money-open-account-online/id1531564767) | 4.5 (148) | Free | Finance | | [BtcDana - Trading Online](https://appshunter.io/ios/app/btcdana-trading-online/id1641836061) | 3.8 (43) | Free | Finance | | [lendingplate-Personal Loan App](https://appshunter.io/ios/app/lendingplate-personal-loan-app/id1658697924) | 4.6 (27,858) | Free | Finance | | [LendEasy-Personal Loan App](https://appshunter.io/ios/app/lendeasy-personal-loan-app/id6449149997) | 5.0 (1) | Free | Finance | | [SHGB mBanking](https://appshunter.io/ios/app/shgb-mbanking/id1437134938) | — | Free | Finance | | [BaseCoin - Credit Loan App](https://appshunter.io/ios/app/basecoin-credit-loan-app/id6447517437) | — | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*