1 About Right Rupee

Right Rupee offers digital loan assistance by working with verified lending partners. Our platform is built to help customers find personal loan options in a way that is easy, clear, and safe.

• Legal Name: Right Rupee Financial Services Pvt. Ltd.
• Brand Name: Right Rupee
• Service Type: Digital loan assistance and lending support
• Official Website: www.rightrupee.com
• Official Email: [email protected]

2 Loan Cost Disclosure

Under the digital lending guidelines that apply to us, every cost of the loan is shown to you clearly upfront before you accept any offer.

• Rate of Interest: 15% to 34% per annum, based on applicant profile.
• Annual Percentage Rate: Shown to you clearly before you accept the loan.
• Processing Fee: Up to 10% of the sanctioned loan amount, plus GST.
• Pre-closure Charges: Zero, unless your loan agreement specifies this.
• Cheque Bounce Charges: ₹1,000 each time a cheque bounces.
• Penal Interest: Charged only if a repayment is delayed.

3 Fraud Warning & Safe Borrowing Guide

Please stay careful, as fraudsters may pretend to be Right Rupee through fake websites, calls, social media pages, or messages.

Always Do This

• Apply only on the official Right Rupee website.
• Check the identity of anyone who contacts you, and confirm that their message is genuine.
• Read your loan agreement and Key Fact Statement fully before you sign.
• If something looks suspicious, tell us right away at [email protected].

Never Do This

• Never pay any fee in advance before your loan is disbursed.
• Never share your OTP, CVV, PIN, password, or Aadhaar details with anyone.
• Never download an unknown app that claims to offer Right Rupee loans.
• Never trust unofficial links that are sent by SMS or WhatsApp.

4 RBI Regulatory Compliance

Right Rupee follows the regulatory standards that apply to it, and we work to keep our services transparent, secure, and easy for our customers.

• We follow the RBI’s digital lending guidelines and customer protection principles.
• We follow a Fair Practice Code so our lending communication stays honest and clear.
• We follow the KYC and AML compliance requirements.
• We follow proper information technology and data protection practices.
• We follow a defined process for dispute resolution and escalation.

5 Advertising Disclosure

Any loan offer, promotional claim, interest rate, or approval message you see on our website or in our advertisements is only a guide, and it remains subject to verification.

• You can borrow between ₹10,000 to ₹1,00,000.
• The APR can be anywhere from 15% to 34% per annum.
• The loan tenure can run from 3 to 12 months.
• Final approval is based on your eligibility, your documents, and the lender’s assessment.
• Nothing you read should be taken as a promise of guaranteed approval.

6 Your Rights as a Borrower

Right Rupee respects the rights of its borrowers, and we make sure you get clear, fair, and responsible service at every step of your loan journey.

• The borrowers have the right to get the key fact statement before they accept a loan.
• The borrowers have the right to know every charge that applies and the terms of repayment.
• The borrowers have the right to digital documents and transparent, honest communication.
• The borrowers have the right to privacy and to have your personal data handled securely.
• The borrowers have the right to raise a complaint through our official grievance channels.

7 Credit Bureau Reporting

As regulators and lenders require, how you repay your loan may be shared with authorised credit bureaus. Paying on time can help you build good credit habits, while paying late can hurt your credit profile.

• The status of your loan repayment may be reported to credit bureaus.
• Late payments can bring down your credit score.
• Borrowers may ask for a correction if an error is found in the reported details.

8 Grievance Redressal

If you have any complaint, concern, or question about our disclosures, loan services, repayment, or customer support, please reach out to our grievance team.

If your complaint is still not resolved after 30 days, you can take it further to the RBI Ombudsman through the official RBI complaint portal.