InstaRupee Loan App Review: Is It Best Instant Loan Provider in 2022?

Instant loans are a blessing for people who are in urgent need of finance. A few months ago, I was in urgent need of money for my personal expenses. But I was out of my account as well as cash. 

I thought of asking my friends for a short-term loan but I dropped the idea immediately. Then I remember to go for an instant loan that can help me. Undoubtedly, numerous apps are available in the market for an instant personal cash loan. Also, I was afraid about whether these lenders will fulfill their promises or are just a fraud. 

Therefore, it took me a little time to decide on which app to use for an instant loan. My brother helped me and suggested using InstaRupee app for the same. I installed the InstaRupee app and applied for an instant personal loan from there. 

Surprisingly, I got a loan approval message and received desired funds in my account in a matter of minutes. Overall, the procedure was so simple and quick. I am so impressed with InstaRupee experience that now I strongly recommend this app. 

So, I decided to write crucial information about InstaRupee app for an instant personal loan. It will help you know about this app in a better manner. 

What is InstaRupee / CaptainRupee Loan App?

InstaRupee/CaptainRupee is an app providing instant personal loans to assist people in their financial needs. Undoubtedly, InstaRupee is a leading app provider of an instant personal online loan. It offers instant loans amounting as low as INR 5,000 up to INR 20,000. 

This app is designed mainly for Indian customers who can apply for a cash loan at lower interest rates. Further, it involves an easy and quick process to apply for and get a personal loan that you can use in emergency times. You can apply for a loan through this app from anywhere and anytime. 

InstaRupee offers a reliable and convenient way to get credit finance as and when needed. Also, this app is trustworthy since it promises the safety and confidentiality of loan applications. 

Features of InstaRupee App

  • Instant online personal loan
  • Loan amounts from INR 5,000 to INR 20,000
  • Loan time from 91 days to 120 days
  • Apply for a loan anytime 24×7
  • Low-interest rates from 20%-30% 
  • Short processing time of cash reimbursement and loan approval 

Eligibility to Apply for InstaRupee Loan

You can apply for instant personal loan from InstaRupee app if you meet all the requirements. It is recommended to check all requirements prior to loan application in order to save time. Following are the key requirements to apply for InstaRupee loan:

  • You must be an Indian citizen 
  • You must have attained the age above 18 years 
  • You must have owned PAN card and Aadhar card
  • You must have a fixed income source on monthly basis

Documents required 

  • Aadhar Card
  • PAN Card
  • Bank account 
  • Photograph 

How to Get InstaRupee/CaptainRupee Instant Loan?

If you wish to apply for instant personal loan, then InstaRupee offers an easy procedure. However, you need to make sure to fulfill all key requirements such as documentation.

  • Firstly, download the InstaRupee app from Google Play Store. This app is available for free to download and use. 
  • Next is to open the app and register/login using your mobile number. Make sure that your mobile number is active. 
  • Now provide basic personal information such as name, account details and upload documents for KYC. Here, documents such as Aadhar card and PAN card are necessary. 
  • It is necessary to verify all information before submitting it for loan application. So, you need to verify your credit risk profile and information. 
  • Now, choose the loan amount you wish to lend. Also, provide time you want to lend the amount for. 
  • After that, wait for few minutes to get loan approval for the amount and time you provided. Once you get the loan approval, you will get the loan amount in the registered bank account. 

You can now fulfill your financial needs with the loan amount for the time you provided. 

CaptainRupee / InstaRupee Loan Repayment

InstaRupee app offers a straightforward approach to applying for instant personal loans. Once the loan period ends, you need to repay the loan amount. This app provides you with a loan repayment facility in a few steps. When your loan gets approved, you are provided with a due date to repay the loan. Further, the app sends you a notification as a reminder to pay the loan before the due date. 

Make sure you pay the loan amount prior to the due date, otherwise you will be penalized.

  • You can open the app and go to the “Repay” section. Here, you will see all your loan details that are not yet paid.
  • You have multiple options to repay the loan amount through this app.
  • Therefore, you need to choose one payment mode and repay your loan amount. 

How to Calculate InstaRupee Repayment Loan Amount?

Computation of interest and repayment amount of InstaRupee loan is free from difficulty. Even you can calculate these amounts before applying for a loan. 

Here is a small example for calculating loan amount and interest:

  • Loan amount: INR 5,000
  • Interest rate: 30%
  • Loan tenure: 91 days 

Interest payable is calculated as: 5,000 * 30% / 360 * 91: INR 379

The repayment loan amount is calculated as INR 5,000 + INR 379: INR 5,379 

Pros and Cons of InstaRupee Instant Personal Loan 

InstaRupee Pros:

  • Instant personal online loan 
  • Quick and higher rates of loan approval 
  • 100% online process
  • Confidential and secure loan application
  • Lower and affordable interest rates on loan
  • 24×7 loan facility 
  • Minimum document requirements

InstaRupee Cons:

  • Poor customer service
  • High service charges
  • Technical issues 

CaptainRupee / InstaRupee Customer Care Number

Undoubtedly, you may face some issues while using the InstaRupee app. InstaRupee values customer satisfaction. Therefore, it introduces a way for customers to communicate with the technical support team. 

So, you can register your queries or complaints regarding InstaRupee instant loan by sending an e-mail to [email protected]


InstaRupee is an instant credit platform for people offering personal loans at low-interest rates. It follows a simple procedure from registering to the app, applying for a loan, and getting the money instantly. With various benefits, InstaRupee provides a quick and trustworthy instant loan facility. 

FAQs (Frequently Asked Questions)

What are the minimum and maximum amounts for InstaRupee loans?

InstaRupee provides loans of a minimum amount of INR 5,000 and a maximum amount of INR 20,000.

For how long can I lend a loan from InstaRupee?

InstaRupee is an instant loan provider offering personal loans for the tenure of 91 days-120 days.

Who can avail of instant personal loan from InstaRupee?

If you fulfill all the following requirements, then you can apply for InstaRupee instant loan:
1) Minimum age: 18 years
2) Indian citizen 
3) Aadhar card and PAN card holder
4) Fixed monthly income

Can I apply for a loan if I do not remember IFSC code of my bank account?

You can easily search for your IFSC code by contacting the bank itself or through Google. You need to have IFSC code to apply for a loan.

How can I track the status of my loan application?

For this, you can send an e-mail to InstaRupee at [email protected] Make sure to provide complete details of your loan in the mail.

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