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Rupenzo

Credit, AI & Investments
Made Simple.

Shop on daily EMI, grow your business with AI, and invest in gold. All in one app.

No CIBIL Needed
Instant Approval
Secure & Trusted
Rupenzo App Dashboard

One Platform, Three Powerful Solutions

Rupenzo is your all-in-one financial companion. Whether you want to shop, manage your business, or save for the future, we have you covered.

Daily EMI Shopping

Buy phones, appliances, and more on daily EMI. No CIBIL score required.

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AI Sound Box

Smart audio payment alerts and voice-powered business insights for your shop.

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Micro-Investments

Invest small amounts daily in digital gold and silver to build wealth.

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Buy What You Need.
Pay a Little Every Day.

Don't let a low bank balance or no credit history stop you. With Rupenzo, you can buy phones, appliances, and more on easy daily installments.

No CIBIL Score Required

Start with a ₹10,000 limit just by verifying your details.

Limit Grows with You

Pay on time and watch your credit limit increase automatically.

No Burden of Monthly Bills

Pay small amounts daily instead of a large lump sum at month end.

Rupenzo Credit Card

How It Works

1

Choose Product

Select from thousands of products on the Rupenzo app.

2

See Daily EMI

Instantly see how much you need to pay per day.

3

Pay Daily

Make small daily payments to own the product.

Rupenzo AI Sound Box

The Sound Box That
Does More Than Just Talk.

Accept payments from any app. But don't stop there. Ask Rupenzo about your daily sales, popular items, and more—just by using your voice.

Loud & Clear

Instant payment alerts in your language.

Voice Queries

"Rupenzo, aaj ka total kitna hua?"

Start Small.
Grow Big.

You don't need thousands to invest in gold. Start with just ₹10 daily. Secure, pure, and easy to withdraw anytime.

Invest Spare Change

Round up your daily spends and invest the difference.

100% Secure

24K Gold stored in secure vaults. Insured and regulated.

Watch it Grow

Track live gold prices and sell instantly when high.

Rupenzo Investment App

Who is Rupenzo For?

We built Rupenzo for the millions of Indians who work hard every day but are often ignored by big banks.

Daily Wage Earners

Manage your daily expenses better with small daily payments.

Small Shop Owners

Track every payment and grow your business with AI insights.

New to Credit

No CIBIL score? No problem. Start your credit journey here.

Tier 2 & 3 Cities

Financial tools built specifically for the heart of India.

How Rupenzo Works

Getting started is easy. No paperwork, no long waiting times.

1. Sign Up

Create your account in minutes with just your basic details.

2. Get Limit

Get instant approval for a credit limit up to ₹10,000.

3. Use Rupenzo

Shop on daily EMI, manage your store, or start investing.

4. Grow

Repay on time to increase your limit and build wealth.

Your Trust is Our Priority

We use bank-grade security to keep your money and data safe. Rupenzo is built on transparency and responsibility.

100% Secure Payments
256-bit Data Encryption
RBI Compliant Partners

50K+

Happy Users

₹10Cr+

Credit Disbursed

1M+

Transactions

4.8/5

App Rating

Frequently Asked Questions

Everything you need to know about Rupenzo.

Yes! Rupenzo is designed for people with no credit history. We look at other factors to approve your limit.
Instead of paying a large amount once a month, you pay a small amount every day. It's easier on your pocket and helps you manage cash flow.
We understand that life happens. If you miss a payment, you can pay it the next day. However, frequent missed payments may affect your credit limit increase.
Yes, the Rupenzo Sound Box connects via a SIM card (included) to announce payments instantly.
Absolutely. You can sell your digital gold anytime and get the money directly in your bank account, or request physical delivery for larger amounts.
Yes. We partner with RBI-regulated NBFCs for credit and trusted digital gold providers. Your data is encrypted and secure.