Do I have to borrow after my limit is approved?
No. RupeeFlow does not require users to take a loan immediately after approval. You can complete the credit evaluation, obtain an available credit line, and pay no charges at all if you choose not to withdraw funds.
Who is eligible to apply?
You must be 18 years of age or older — minors are not eligible — and must possess valid identification.
How is my credit limit decided?
RupeeFlow utilises intelligent risk assessment technology and data analysis models to evaluate your identity details, financial behaviour and past credit performance, which together determine an appropriate credit limit for you.
How much can I withdraw, and for how long?
Each withdrawal can be between ₹1,000 and ₹80,000. The repayment period is flexible, with a minimum of 60 days and a maximum of 365 days.
What does a withdrawal actually cost?
Interest accrues at 0.05% per day, with a maximum annualised interest rate of 18.25%. A withdrawal fee of 3% is charged on each withdrawal and deducted at the time of disbursement. See the
Credit Terms page for the full breakdown.
Can you show a worked example?
Withdrawing ₹10,000 for 120 days at 18.25% p.a.: daily interest is 10,000 × 0.05% = ₹5; estimated
monthly interest ₹150; estimated monthly repayment (principal instalment + accrued interest) ≈ ₹2,650;
total interest for 120 days ₹600; total repayment ₹10,600. The 3% withdrawal fee of ₹300 is deducted
at disbursement, so ₹9,700 reaches you in hand and ₹10,600 is repaid within the selected term.
What happens if I repay late?
If the loan is not repaid by the original due date, an extension fee of 0.05% per day continues to be charged during the extension period. For example, if the original term was 60 days and it is extended to 120 days, the related fees are still calculated based on the daily interest rate during that extension period.
Can I repay early?
Yes, at any time. If the loan is repaid early, interest and related fees are charged only based on the actual number of days used. For example, if the original loan term was 60 days but repayment is completed within 30 days, fees are calculated based on the actual 30 days used.
Is my personal information safe?
Strict data encryption protects user privacy. Information you provide is used for credit assessment and service delivery, and our platform promises to protect your data security and not to spread your personal information. Details are in our
Privacy Policy.
How do I reach customer service?
Email
work@robosonictech.com. A professional customer service team is available Monday to Sunday, 08:00–18:00.
