RupeeRedee App Reviews, Customer Care Number & Details

Instant loan app run by Moneymitra, with loans from RBI-registered NBFC Fincfriends

This RupeeRedee app review covers interest rates, eligibility, charges, documents and real borrower feedback, along with the verified RupeeRedee customer care number and support email — plus the RBI grievance route if a complaint is not resolved in 30 days.

FINTECHRBI RegulatedSelf-Employed OK

Reviewed by BankCreds App Review Team· App Review Analysts Updated 30 October 2026

RupeeRedee is an instant personal loan app run by Moneymitra IT Solutions, and its loans are issued by Fincfriends Private Limited, an NBFC listed in RBI's register. The thing to know before you borrow: the 28% headline rate is only the start, because a processing fee of up to 15% comes off your payout and a service fee of 8.76% to 19.5% of the loan is added to your EMIs. You can borrow ₹2,000 to ₹2,50,000 and repay in monthly instalments over as long as 720 days. The Play listing puts the APR at 32% to 64%. Recent reviews praise quick payouts but complain about stuck disbursals, app outages and pushy recovery calls. Here's what it costs, who it suits and how to complain, as of October 2026.

Quick Facts

4.6★ · 4.1L

Play Store

₹2.5L

Max Loan

28% to 58% a year

Interest Rate

Company claims as little as 10 minutes once approved; its terms say generally within 4 hours

Disbursal

2 months to 24 months

Tenure

1.5% to 15% + GST

Processing Fee

₹25,000 per month

Min Income

Play Store rating sourced from Google Play, as of 30 Oct 2026. Other figures from the lender's official disclosures.

Our Ratings

Disbursal speed 3.0/5

Many reviewers get money within minutes, but a run of October complaints describes approved loans stuck in disbursal for days.

Interest & cost 1.5/5

Interest of up to 58% a year, a processing fee of up to 15% and a service fee in every EMI make it an expensive loan.

App experience 2.5/5

The process is fully digital, but recent reviews report crashes, maintenance screens and an app that wouldn't take EMI payments.

Customer support 2.0/5

A phone line, an email and two named grievance officers are published, yet many recent reviewers say they got only automated replies.

Safety & transparency 3.0/5

The lender is an RBI-registered NBFC that names the app on its own site, but the Data safety form contradicts the privacy policy and recovery complaints are common.

Loan Details & Charges

Loan Amount ₹2,000 to ₹2,50,000

Interest Rate 28% to 58% a year

Tenure 2 months to 24 months

Processing Fee 1.5% to 15% + GST

Late Payment ₹1,000 late payment fine per missed instalment (charged on the 5th day), plus overdue interest at the loan's annual rate, daily for up to 30 days

Foreclosure 5% of outstanding principal (GST included), plus the service fee for the remaining tenure

Bounce Charges No separate bounce charge published; each missed instalment draws the ₹1,000 late payment fine

Eligibility Criteria

Age 21-65 years

Min Income ₹25,000 per month

Employment Salaried and self-employed (terms also list pensioners)

Documents PAN, Aadhaar (address proof, OTP e-sign), selfie or recent photo (video KYC if asked), bank account with net banking for statement verification (automated or PDF upload), digital repayment mandate; lender pulls a credit bureau report

What It Actually Costs

Loan amount ₹20,000

Tenure 6 months

Monthly EMI ₹3,919

Total interest ₹3,514

Processing fee ₹3,000 (GST included), deducted upfront

Total repayment ₹23,514

Illustrative, at the top of the lender's published interest and processing fee ranges, so you'd receive ₹17,000. The service fee then adds at least ₹1,752 (₹292 a month), taking what you repay to ₹25,266.

Try the RupeeRedee EMI calculator

Pros

Loans come from Fincfriends, an RBI-registered NBFC that lists RupeeRedee on its own partner page
Borrow ₹2,000 to ₹2,50,000 and repay in monthly EMIs over as long as 720 days
Interest is charged on a daily reducing balance, and the lender publishes a full product note of charges
Named grievance officers at both the app company and the lender, with a 30-day resolution promise
Fully digital with Aadhaar and PAN, and many recent reviewers report payouts within minutes

Cons

Interest of 28% to 58% a year, and the Play listing puts the APR as high as 64%
The processing fee can reach 15% and is taken out of your loan before the money arrives
A service fee of 8.76% to 19.5% of the loan is added to your EMIs on top of interest
Paying early costs 5% of what you still owe, plus the service fee for the months you skip
Each missed EMI brings a ₹1,000 fine and overdue interest, and reviewers report heavy recovery calls

Our Verdict

RupeeRedee isn't a fly-by-night app. Fincfriends Private Limited is in RBI's register as on September 30, 2026, it names RupeeRedee on its own digital lending partner page, and the Play listing says every loan comes from Fincfriends. An Outlook Business report called Fincfriends RupeeRedee's captive NBFC, and the two share an office and a customer care number. We couldn't open RBI's Digital Lending Apps directory, so that one check is still open. The problem is price. Interest runs from 28% to 58% a year, and that's before a processing fee of up to 15% that's cut from your payout and a service fee of 8.76% to 19.5% of the loan spread across your EMIs. Closing early isn't cheap either: you pay 5% of the outstanding principal plus the service fee for the months you skip. Recent reviews describe a payout of ₹5,100 against a repayment of ₹7,413.15. If banks have turned you down and you need a small sum fast, RupeeRedee is a legitimate option. Read the Key Fact Statement line by line, use the 3-day cooling-off window if the numbers look wrong, and don't miss an EMI. If your credit score is decent, compare a cheaper regulated app first.

Who RupeeRedee suits

Salaried or self-employed borrowers earning ₹25,000 or more a month who need a small loan quickly

Repeat borrowers who repay on time and prefer monthly EMIs to one lump-sum repayment

People with a thin or low credit score who can't get a bank loan and accept a higher cost

Look elsewhere if

You may repay early, because the 5% charge and the leftover service fee eat into any saving

Your credit score is good enough for a bank or a larger NBFC, where the full cost is worth comparing first

You can't be sure of every EMI date, since each miss brings a ₹1,000 fine and recovery calls

Not sure the app is genuine? Is RupeeRedee real or fake? How to check it yourself

Things to Watch

Play's Data safety form says the app collects no data, yet its privacy policy asks for your SMS, installed apps list and location.
The lender's product note allows a processing fee of up to 15% and a service fee of up to 19.5%, far above the 1.5% the ads lead with.
The Play example shows a ₹182 service charge on ₹11,000, well below the 8.76% minimum service fee in the lender's own product note.
Recent reviews describe recovery calls many times a day and calls to family and friends, conduct the lender's own Fair Practice Code forbids.
Its terms let it call you even if you're on the Do Not Disturb list, and the privacy policy keeps call consent alive after your loan ends.

How to Apply for RupeeRedee

1

Install and register

Download RupeeRedee from Google Play, check the developer is Moneymitra IT Solution Private limited, and sign up with your mobile number.
2

Complete KYC

Verify your Aadhaar and PAN in the app and take a selfie. You may also be asked to complete a short video KYC.
3

Link your bank account

Add the account you want the money in and allow the bank statement check the lender uses to assess you.
4

Read the Key Fact Statement

Before you sign, check the APR, the processing fee taken from your payout, the service fee in each EMI and the early repayment charge.
5

Sign and set up auto-debit

E-sign the agreement with an Aadhaar OTP and set up the repayment mandate. The loan, minus the processing fee, lands in your bank account.

Documents Required

PAN card

Aadhaar card, used as address proof and for OTP e-sign

A clear selfie or recent photo, plus video KYC if asked

A bank account in your name with net banking, for statement checks and the payout

A digital mandate (auto-debit) on that account for your EMIs

What Real Users Say

The 4.6 average comes from about 4.06 lakh ratings. Most of the newest five-star reviews are one or two words, such as 'good', and some of the developer's replies ask reviewers for 5 stars, so we gave more weight to the detailed reviews.

Play shows a 4.6 rating, but the detailed reviews from October 2026 are mostly complaints about payouts stuck in process, an app that wouldn't open or take payments, high charges and frequent recovery calls.

What users love

Happy borrowers mention money arriving within minutes, an easy application and limits that grew with repeat loans.

Common complaints

Loans approved but not credited for days, app errors around EMI dates followed by late fees, support that sends only automated replies, repeated recovery calls (some to family and friends), limits cut after on-time repayment and closed loans still showing on credit reports.

How RupeeRedee Compares

vs mPokket — A regulated small-loan app worth checking if you need a modest sum; compare the amount you'd actually receive after fees.

vs KreditBee — Covers small first loans and much larger ones; ask both apps for the Key Fact Statement and compare the APR line, not the headline rate.

vs Moneyview — Worth a look if your credit score is decent and you want a bigger loan over a longer term at a clearly stated cost.

How we tested

On 30 October 2026 we read RupeeRedee's website, FAQ, terms, privacy policy and the lender's product note, plus Fincfriends' own site, partner list, fair practice code and grievance policy. We checked the Google Play listing, its Data safety page and the newest Play reviews, all from October 2026. We found Fincfriends in RBI's NBFC register using an Internet Archive copy. RBI's Digital Lending Apps directory wouldn't load, and we didn't take a loan, so payout speed and recovery conduct come from user reports.

RupeeRedee Customer Support Details

RupeeRedee is run by Moneymitra IT Solutions. The loans come from Fincfriends, an RBI-registered NBFC in the same group. Email support works 10 am to 7 pm, Monday to Saturday, and the FAQ suggests asking for a callback. To escalate, write to Nodal Grievance Redressal Officer Shivani Jha (0124-4699111). Next, write to Fincfriends' nodal officer Karan Chandna (0124-6914222, gro@fincfriends.in), who has 30 days to reply. Fincfriends warns that other apps falsely claim it as their lender, so check your loan papers.

RupeeRedee customer care number	0124-6914100
RupeeRedee WhatsApp number	NA
RupeeRedee customer support email ID	care@rupeeredee.com
Registered lending entity	Fincfriends Private Limited (RBI-registered NBFC); Moneymitra IT Solutions Private Limited runs the app
RupeeRedee grievance officer email	GRO@rupeeredee.com

Verified from RupeeRedee's official contact or grievance page on 2026-09-13. Companies change helplines without notice — cross-check inside the app before calling, and never share an OTP, PIN or card details with anyone claiming to be support. Full RupeeRedee customer care page → All lender, bank & insurer contacts →

Frequently Asked Questions

Is RupeeRedee safe and RBI registered?

RupeeRedee itself isn't an NBFC. It's an app run by Moneymitra IT Solutions, and the loans are issued by Fincfriends Private Limited, a non-deposit-taking NBFC in RBI's register as on September 30, 2026. Fincfriends also lists RupeeRedee on its own digital lending partner page. We couldn't load RBI's Digital Lending Apps directory, so check that your loan agreement names Fincfriends before you sign.

What does a RupeeRedee loan really cost?

Interest is 28% to 58% a year on a reducing balance, according to the lender's product note. On top of that, a processing fee of 1.5% to 15% is deducted before the money reaches you, and a service fee of 8.76% to 19.5% of the loan is collected with your EMIs. GST is included in these fees. The Play listing puts the APR at 32% to 64%.

How much can I borrow from RupeeRedee and for how long?

The lender's product note allows ₹2,000 to ₹2,50,000, repaid over 62 to 720 days. The Play listing gives the same amounts but a shortest tenure of 91 days, so the term you're offered can vary. You repay in monthly EMIs, and only one loan can run at a time. Recent reviewers say limits can go down as well as up after a loan is repaid.

Who can get a RupeeRedee loan and what documents are needed?

You need to be an Indian resident with PAN, Aadhaar and a regular income that shows in your bank account. The limits differ by page: the FAQ says age 21 to 65 and ₹15,000 a month, while the Play listing says age 20 and above and ₹25,000 a month. Salaried and self-employed people can apply. Expect a credit bureau check, a selfie, a bank statement check and an auto-debit mandate.

How do I contact RupeeRedee customer care or file a complaint?

Write to care@rupeeredee.com or call 0124-6914100. If that doesn't work, escalate to the grievance officer, Shivani Jha, at GRO@rupeeredee.com or 0124-4699111, or to the lender's nodal officer, Karan Chandna, at gro@fincfriends.in. The lender promises a resolution within 30 days. If it misses that or you're unhappy with the answer, complain to the RBI Ombudsman through RBI's online complaint portal.

Can I close a RupeeRedee loan early?

Yes, you can repay at any time in the app, but it isn't free. The lender charges 5% of the outstanding principal, GST included, and you still pay the service fee for the months left on the loan. Interest stops on the day you repay. If you change your mind straight away, the 3-day cooling-off period from approval lets you exit, though the processing fee and interest for the days used may still apply.

How do I stop harassment calls from RupeeRedee recovery agents?

RBI's rules on recovery conduct are specific: agents may not call before 8 a.m. or after 7 p.m., may not use threats, abuse or intimidation, and may not contact people from your phonebook to shame you. Blanket access to your contacts and photos is prohibited for digital lenders. If this is happening, save the evidence — call logs, screenshots, recordings — and complain to the lender's grievance officer (GRO@rupeeredee.com), then to the RBI Ombudsman at cms.rbi.org.in if it continues. If the app is not a regulated entity at all, report it on the RBI Sachet portal (sachet.rbi.org.in) and to the cyber-crime helpline 1930 or cybercrime.gov.in. Harassment, morphed images and contact-list shaming are criminal offences regardless of whether you owe money.

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82	BharatPe Credit Line YES Bank (Pay Later line); personal loans via BharatPe Capital, Unity Small Finance Bank, Poonawalla Fincorp, InCred, Piramal Finance, Aditya Birla Capital, L&T Finance and other partner lenders	4	₹15L	18% – 70% p.a.	Read Review
83	Chintamani Finlease Chintamani Finlease Limited	3.8	₹3L	Up to 26% a year	Read Review
84	ZapCash Weekline Investment & Trading Co. Limited (also BMW Fin-Invest Private Limited)	3.8	₹5L	12% – 30% p.a. advertised; lender policy prices payday loans at 0.10% – 1.00% per day	Read Review
85	AbhiCash C.N.M.P. Investments Private Limited	3.6	₹2L	14% to 36% a year	Read Review
86	Omozing Aparampaar Finance Private Limited	3.5	₹25L	11% to 59% a year	Read Review
87	Instant Mudra Chintamani Finlease Limited	3.5	₹30,000	Up to 66% a year	Read Review
88	Cash247 Meghdoot Mercantile Private Limited	3.5	₹2L	12% to 32.5% a year	Read Review
89	Udhaar Box Moneyplus Financial Services Limited	3.4	₹50,000	10.5% to 365% a year	Read Review
90	Prefr Aditya Birla Capital Finance, Poonawalla Fincorp, SMFG India Credit, Zype, MAS Financial Services	3.2	₹5L	18% – 30% p.a.	Read Review
91	SalaryMantra Bagmane Traders Private Limited	3.1	₹1.5L	Up to 35% a year	Read Review
92	SMFG India Credit SMFG India Credit Company Limited	2.6	₹10L	12.50% – 30.00% p.a.	Read Review