PayRupik Credit Loan App Scam Exposed: Heavy Charges, Harassment aur Debt Trap Ki Sacchai!

Hello dosto, aaj hum baat karenge ek aise loan app ke baare mein jo bahut se logon ko attract karta hai apne “instant personal loan” ke vaade se, lekin asliyat mein yeh ek bada debt trap ban sakta hai. PayRupik Instant Personal Loan App – yeh naam sunte hi lagta hai ki paise mil jayenge jhat se, bina kisi jhanjhat ke. Lekin agar aapne iske critical reviews dekhe hain Play Store pe, toh samajh jayenge ki yeh kitna dangerous ho sakta hai. Yeh app basically ek 7-day loan app hai jo bahut heavy charges lagati hai, interest rates sky-high hote hain, aur recovery agents ka harassment toh hadd se zyada hota hai. Is article mein hum detail se bataayenge ki kyun aapko isse door rehna chahiye.

PayRupik Loan App Kya Hai? Official Description Par Kitna Bharosa?

Pehle toh jaante hain ki PayRupik app kya claim karti hai. Yeh app Sayyam Investments Pvt Ltd ke under chalti hai, jo RBI-registered NBFC hai. Play Store pe iska description hai ki yeh instant credit deta hai minutes mein, loan amount ₹1000 se ₹50000 tak, tenure 91 days se 365 days tak, maximum APR 35% per annum, processing fee ₹80 se ₹2000 tak, aur GST 18%. Trusted by over 10 million users, fast, easy, safe – yeh sab bolte hain. Lekin dosto, humein instructions mili hain ki description pe jyada bharosa na karein, balki critical reviews pe focus karein jo Play Store pe milte hain. 8 Asliyat mein, users ke experiences se pata chalta hai ki yeh short-term loans deti hai jaise 7 days, 14 days ya 28 days ke liye, jisme effective interest rates 30-50% tak jaate hain, jo annualized 260% se bhi zyada ho sakta hai! 11

Yeh app Aadhaar, PAN, bank details aur selfie maangti hai KYC ke liye, aur disbursal UPI se hota hai. Lekin yahan trap hai – fees itni hidden hoti hain ki loan milne ke baad hi pata chalta hai kitna extra pay karna padega. Bahut se users complain karte hain ki net amount bahut kam milta hai deductions ke baad. Agar aap emergency mein paise chahiye, toh soch samajh kar apply karein, kyunki yeh legit hai RBI registration ki wajah se, lekin predatory practices karti hai.

Critical Reviews Se Pata Chalti Hai Asli Picture

Ab aate hain main point pe – critical reviews. Humne Play Store se aur other sources se reviews collect kiye hain, aur specially woh jo images mein diye gaye hain, unko Hinglish mein add kar rahe hain taaki aap acche se samajh sakein. Yeh reviews show karte hain ki app scam jaise feel hoti hai, high interest, short repayment periods, rude recovery agents, aur zero customer support. Play Store link yahan hai: https://play.google.com/store/apps/details?id=in.hanafintech – aap khud check kar sakte hain.

Pehla review image 0 se: Jiwan Bisht ka 1-star review (22/09/25) – “Yeh app ek scam hai. Yeh loan approval process ke dauran installment details chhupate hain aur interest rates market standards se bahut zyada charge karte hain. Iske alawa, yeh bahut short repayment periods offer karte hain, aksar sirf do installments mein payment maangte hain. Is app se loan lena mere liye badi galti thi. Main sabko advise karta hoon ki is platform se door rahein. Agar yahan se loan lete ho, toh pachtaoge.” Yeh review 656 logon ne helpful maana hai.

Dusra usi image se: USMAN M ka 1-star (26/10/24) – “Is app se loan mat lo. Yeh loans toh dete hain, lekin fees extremely high hote hain. Recovery agents due date se 1-2 din pehle hi call karna shuru kar dete hain, aur last day pe toh bahut rude aur aggressive ho jaate hain, pressure daalte hain immediate payment ke liye. Agar din ke end mein settle karne ka plan hai, toh subah se calls shuru ho jaayenge. Better hai is app se door rahein.” 460 logon ne helpful kaha.

Image 1 se: Nokrichi Arengh ka 1-star (26/11/25) – “Main is app se bahut disappointed hoon. Maine loan liya aur sab dues time pe pay kiye. Dues pay karne ke baad mera credit limit 41k show kar raha hai. Lekin jab maine 28.5k ke liye apply kiya, process complete karne ke baad reject ho gaya. Ab kehta hai 8 days baad apply karo. Yeh bahut unfair hai, main bahut disappointed hoon.” Developer ne reply diya regret karte hue.

Usi image se JB ka 1-star (24/11/25) – “Maine pehle do baar loan apply kiya aur time pe, even time se pehle payment kiya. Phir bhi app mujhe 21 days wait karwati hai next upgrade ke liye, aur higher amount ka loan nahi deti. Is baar lowest amount offer kiya, woh bhi sanction nahi kiya aur phir 21 days wait bol diya. Kya yeh mazak hai? Totally disappointed, app mat download karo. Mujhe calls aur WhatsApp messages aate hain unke taraf se, lekin koi process work nahi karta. Customers ke saath scam mat karo.”

Image 2 se: Sriram Kesavan ka 1-star (12/11/23) – “Is application ko try bhi mat karo. Inka customer service worst hai, koi proper mail response nahi, zero support, aur repayment schedule super bad hai. App aur inka process trust khatam kar deta hai. Agar loan ki zaroorat hai, toh kisi aur app try karo. Agar job mil jaaye toh paise milne se pehle hi account disturb kar denge!!” 354 helpful.

Aur Abhay Mishra ka 1-star (06/05/25) – “Loan approval ke baad 15 hours baad transfer hota hai, logon ko fool banate hain. Jab loan zaroorat thi, process nahi hua. Maine kai loan apps use kiye time ke over, lekin yeh worst hai. Customer service pathetic hai, number available nahi, calls nahi lete, email pe solution nahi dete, sirf wait bolte hain.” 270 helpful.

Ab aur reviews jo humne sources se collect kiye hain. Ek Play Store review (January 2025): “Scam alert! Installment details approval ke baad hi dikhate hain. Interest bahut high, market se zyada. Time pe repay kiya, phir bhi credit limit nahi badha. Avoid karo!” 11

Quora se (March 2024): “₹5000 liye family crisis mein. Roz calls family ko, threats. Interest trap kar deta hai, cycle ban jaata hai.” 11

Trustpilot pe ek review: “Poor service. Emails ignore kiye, no helpline. High fees se ₹10000 loan ₹9200 net mila. Recovery agents due se pehle call karte hain – stressful!”

Aur recent one from Play Store (December 12, 2025, Thowfiq rahman): “Do mahine pehle loan liya aur time pe repay kiya. Ab emergency mein login nahi ho raha. Agar services band kar diye toh app delete karo Play Store se.”

Yeh sab reviews show karte hain ki app ke positive ratings fake lagte hain, kyunki critical ones mein real pain hai.

Common Complaints: Heavy Charges, Short Tenure aur Harassment

Ab detail se baat karte hain problems ki. Pehla, yeh 7-day loan app hai – reviews mein log bolte hain ki repayment sirf 7, 14 ya 28 days mein hoti hai, jo bahut short hai. 11 Isse interest effective 30-50% ho jaata hai, annualized toh 260% tak! Example: ₹1300 loan 28 days ke liye – net mila ₹1258 deductions ke baad (document fee ₹35, interest ₹16, GST ₹7). Repay ₹1562 in two installments, jisme extra fees jaise tech fee ₹52, post-service ₹52. Yeh sab hidden hote hain approval tak.

Dusra, heavy charges: Processing 2-5%, GST 18%, other fees. Net disbursal 10-20% kam hota hai. RBI ke rules ke against, lekin yeh karte hain.

Teesra, harassment: Recovery agents due se 1-2 din pehle call shuru, rude language, family ko call, threats. Ek complaint mein bola gaya ki loan nahi liya phir bhi calls aaye abusive. 11 Yeh RBI guidelines violate karta hai.

Chautha, poor customer service: No helpline, emails ignore, no resolution. Disbursal delays – instant bolte hain, lekin 24+ hours lagte hain.

Panchwa, scam feel: Hidden details, credit limit nahi badhta repay ke baad bhi, wait periods 8-21 days next loan ke liye.

Yeh sab se log debt cycle mein phas jaate hain, specially low-income wale.

Loan Calculation Examples aur Risks

Samajhte hain numbers se. Suppose ₹6000 loan 120 days pe 25% interest: Repay ₹6611, APR ~31%. Lekin short tenure mein, ₹1000 14 days pe repay ₹1200+ – yeh killer hai.

Risks: CIBIL score kharab, mental stress from harassment, family issues. 2025 mein RBI predatory lending pe crackdown kar raha hai, lekin abhi bhi yeh apps chal rahi hain. 7

Conclusion: Stay Away from PayRupik!

Dosto, PayRupik credit loan app ek trap hai – instant paise ke chakkar mein mat pado. Heavy charges, short 7-day tenures, harassment aur poor service se bachna better hai. Real reviews pe bharosa karo, description pe nahi. Agar aapne experience kiya hai, comment mein share karo. Yeh article aapki help ke liye hai, safe borrowing karo!

FAQs

Q1: PayRupik loan app real hai ya fake?
A: Real hai RBI registration ki wajah se, lekin practices scam jaise hain – high charges aur harassment.

Q2: PayRupik mein interest rate kitna hai?
A: Official 35% APR, lekin effective 30-50% short tenures mein, hidden fees ke saath.

Q3: Kya PayRupik se loan lena safe hai?
A: Nahi, reviews se pata chalta hai harassment aur debt trap hota hai.

Q4: PayRupik ke recovery agents kaise hote hain?
A: Bahut aggressive, due se pehle calls, rude language, family ko harass.

Q5: Alternatives kya hain?
A: MoneyTap, PaySense, CASHe – better rates aur service.

Q6: Play Store rating kyun high hai?
A: Positive fake lagte hain, critical reviews real problems show karte hain.

Q7: Loan reject kyun hota hai repay ke baad?
A: Credit system unfair, wait periods 8-21 days.

Q8: Hidden fees kaun se hain?
A: Processing, tech, post-service, GST – net amount kam kar dete hain.

Q9: RBI complaint kar sakte hain?
A: Haan, harassment ke against complaint file karo.

Q10: 7-day loan mein kitna extra pay karna padta hai?
A: Example mein ₹1000 pe ₹200+ extra, depend karta hai.