Effective Date: February 25, 2026
At Rupyaa, operated by Uptime Innovation Private Limited (“we”, “us”, or “our”), we are committed to maintaining transparency, integrity, and customer satisfaction.
This Refund Policy explains the terms and conditions applicable to refunds for payments made through the Rupyaa platform in connection with the financial services we facilitate.
Please review this Policy carefully before making any payment through the Rupyaa platform.
Rupyaa, operated by Uptime Innovation Private Limited, is committed to providing users with a transparent, fair, and reliable service experience.
This Refund Policy sets out the conditions and procedures applicable to refund requests for payments made through our platform in connection with the financial services facilitated by Rupyaa.
Rupyaa is a technology-driven platform that enables users to apply for and manage financial services, including loan applications, through partnerships with regulated financial institutions such as banks and Non-Banking Financial Companies (NBFCs).
We facilitate service delivery, application processing, technology support, and customer assistance.
Rupyaa does not directly disburse loans or independently collect loan repayments as a lender.
This Refund Policy applies to service charges, fees, or payments made by users to Rupyaa or in connection with financial services facilitated through the Rupyaa platform.
This may include:
Unless specifically stated otherwise, the following payments are generally non-refundable:
Refunds may be considered in certain exceptional circumstances, including:
All refund requests must be supported by valid proof of payment and a clear explanation of the reason for requesting the refund.
Each request will be reviewed individually based on the relevant facts and circumstances.
The outcome of the refund request will be communicated to the user within 10 working days, subject to completion of applicable verification and checks.
To submit a refund request, please email us at:
Your request should include the following information:
Providing complete and accurate information may help us process your request more efficiently.
If a refund request is approved, the refund will generally be processed to the original mode of payment within 7–10 business days.
The actual time required for the amount to reflect in your account may depend on the applicable bank, payment gateway, or financial institution.
Where the original payment method is no longer active or valid, an alternative refund arrangement may be considered with the consent of the user and after completion of the required verification.
Loan repayments made to Lending Partners through or in connection with the Rupyaa platform are governed by the terms of the applicable loan agreement.
Rupyaa is not responsible for independently refunding EMIs, interest payments, or other loan-related amounts once such payments have been made.
Any concern, dispute, or refund request relating specifically to a loan repayment must be raised directly with the respective Lending Partner in accordance with its policies and the applicable loan agreement.
For questions regarding this Refund Policy or to check the status of a refund request, please contact:
Uptime Innovation Private Limited
79, Ground Floor, World Trade Centre,
Babar Lane, New Delhi – 110001, India
Email: care@rupyaa.com
Contact: 85-0309-0309
Rupyaa may revise, amend, or update this Refund Policy from time to time to reflect changes in regulatory requirements, platform functionality, business processes, or user feedback.
Any updated version of this Refund Policy will be published on the Rupyaa Platform with the applicable effective date clearly stated.