By accessing and using www.IndiRupee.com, whether as a registered user or a guest, you agree to comply with these Terms and Conditions (“Usage Policy”). These terms, along with any additional policies referenced herein, govern your use of the website and services provided by Indi Rupee.

The website is owned and operated by Indi Rupee, an entity duly registered under applicable Indian laws. References to “Indi Rupee”, “we”, “us”, or “our” shall include this entity and its associated online platforms.

This document is an electronic record under the Information Technology Act, 2000 and applicable rules. It does not require physical or digital signatures and is published in compliance with the IT (Intermediary Guidelines) Rules, 2011.

Indi Rupee reserves the right to modify these Terms and Conditions at any time. Continued use of the website constitutes acceptance of the updated terms.

Eligibility Requirements

• Users must be legally competent to enter into a contract under the Indian Contract Act, 1872.
• Minors (below 18 years) are not eligible to use the services.
• Users must be at least 18 years old and legally capable of entering a binding contract.
• An active Indian savings or current bank account is mandatory.
• A valid PAN issued by the Income Tax Department of India is required.
• Users acknowledge the risks involved in lending and borrowing.

Borrower Criteria

• The borrower must be a salaried individual.
• Must be an Indian resident.
• Must not have been unemployed in the last six months.
• No ongoing civil or criminal litigation.
• Salary must be credited to a registered bank account.
• Loan amount eligibility: INR 25,000 to INR 5,00,000.
• Maximum loan tenure: 24 months.

Sign-Up and Registration

Users may access the website as registered users or guests. Certain features are restricted to registered users only.

By registering, users authorize Indi Rupee to perform identity verification, KYC checks, credit bureau checks, and employment/residential verification.

Indi Rupee reserves the right to suspend or terminate accounts if any information provided is false, incomplete, or outdated.

Registration on Indi Rupee is completely free of charge.

Use of the Website

• Users must log in to apply for a loan.
• Users are responsible for safeguarding their login credentials.
• Any fraudulent activity must be reported immediately.
• Unauthorized use may result in termination of access.
• Website availability may be affected due to maintenance or unforeseen issues.

Lending Process

• Loan applications are submitted online.
• Document requirements are shared via email.
• Tele-caller verification and document validation are conducted.
• Home verification, Video KYC, E-Sign, and E-Mandate are mandatory.
• Loan disbursement is usually completed within 15–20 minutes after approval.

Repayment and Settlement

• Loan repayment tenure is generally 30–35 days.
• Timely repayment results in a No Objection Certificate (NOC).
• Delayed payments may attract a daily penalty of 0.25%.
• Settlement and installment requests are evaluated case by case.

Fraud Alert

Indi Rupee does not ask for prepayments for loan approval. Users should report any suspicious communication immediately.

Limitation of Liability

Services are provided on an “as-is” basis. Indi Rupee is not liable for data loss, service interruptions, or unauthorized access due to user negligence.

Governing Law & Jurisdiction

These Terms and Conditions are governed by Indian laws. All disputes shall be subject to the exclusive jurisdiction of courts in Delhi, India.

Connect and Communication

To Communicate with You We may use your information to respond to your inquiries, provide customer service support, send you important information about the services, and send you marketing communications (with your consent) via different channels, including but not limited to SMS, Email, WhatsApp, and Voice.

Contact Information

• Recovery Manager Email: ________
• Recovery Team Email: ________
• Settlement Email: ________