Short answer: Anytime Rupee lends small amounts (₹2,000 to ₹30,000) at a very high cost: its Google Play listing shows APRs of 191% to 242% and a 20% fee including GST. Rupee112 lends from ₹20,000 at a stated 35% APR. For a ₹20,000 loan, Rupee112 costs much less on the figures they publish.
Last verified: 12 October 2026 from each company’s official website and, where marked, its Google Play listing. Rates and fees change; the lender’s Key Fact Statement (KFS) and loan agreement decide your actual terms. FundsTiger does not rank lenders.
Anytime Rupee vs Rupee112 at a glance
| Anytime Rupee | Rupee112 | |
|---|---|---|
| Type | Loan app (LSP Pi Credit Services for Finagle Financial Services, an RBI-registered NBFC) | Loan app of Aadhar India Finvest, an RBI-registered NBFC |
| Loan amount | ₹2,000 to ₹30,000 | ₹20,000 to ₹5 lakh (homepage; FAQ still says ₹5,000 to ₹1,20,000) |
| Interest rate | From 3.3% a month (39.6% a year) (Google Play) | Fixed 35% APR a year (rate-and-terms page) |
| APR | 191% to 242% (Google Play) | Up to 35% |
| Processing fee | 20% of the loan, including GST (Google Play example) | 10% of the loan (homepage); the official example shows ₹1,000 + GST on ₹50,000 (2%) |
| Tenure | 90 to 365 days | 61 to 365 days |
| Minimum income | Not stated | Not stated (salary slip required) |
| Who can apply | Salaried and self-employed; Google Play also lists gig workers and homemakers | Implied salaried (salary slip required) |
| Age | 21 to 60 | Not stated |
| Prepayment and foreclosure | Not stated; lump-sum repayment at the end is not allowed | No preclosure charges |
| Product | Small-ticket EMI loan | Short-term loan, 61 to 365 days |
| RBI-regulated lenders | Finagle Financial Services | Aadhar India Finvest |
| On RBI’s digital lending app list | Yes: 1 RBI-regulated lender lists it; 10L+ installs, rated 4.8 | Yes: 1 RBI-regulated lender lists it; 50L+ installs, rated 4.1 |
| Also worth knowing | Small loans from ₹2,000; Repay only via the official website or app | Delay charge 0.25% a day on overdue amounts; Bounce charge ₹500 |
Install counts and ratings are from Google Play, as recorded on RBI’s digital lending app list check of 5 October 2026.
What a ₹20,000 loan over 6 months would cost
We costed the same loan on each lender’s advertised figures, using the standard reducing-balance EMI formula and adding 18% GST to fees where the lender quotes them before tax. The lowest advertised rate is usually for the strongest credit profiles; many borrowers are offered more.
| Lender | Scenario | Rate a year | EMI | Total interest | Fee incl. GST | Total cost |
|---|---|---|---|---|---|---|
| Anytime Rupee | Lowest advertised rate, 20% fee incl. GST | 39.6% | ₹3,729 | ₹2,372 | ₹4,000 | ₹6,372 |
| Rupee112 | 35% with 2% fee (official example) | 35% | ₹3,682 | ₹2,091 | ₹472 | ₹2,563 |
| Rupee112 | 35% with 10% fee (homepage) | 35% | ₹3,682 | ₹2,091 | ₹2,360 | ₹4,451 |
Try your own numbers in our personal loan EMI calculator. For loans quoted only as APR, the APR already includes fees, so the total is an estimate.
Key differences
- APR: Anytime Rupee 191% to 242% (Google Play); Rupee112 up to 35%.
- Fee: Anytime Rupee 20% including GST; Rupee112 2% to 10%.
- Loan size: Anytime Rupee ₹2,000 to ₹30,000; Rupee112 ₹20,000 to ₹5 lakh.
- Who can apply: Anytime Rupee also lists gig workers and homemakers; Rupee112 asks for a salary slip.
Which should you choose?
Anytime Rupee may suit you if you need less than ₹20,000 and cannot get credit anywhere else. Read the APR in the KFS first.
Rupee112 may suit you if you need ₹20,000 or more and have a salary slip.
Whichever you pick, compare the APR in the KFS you are actually offered, not the advertised starting rate.
Before you apply
- Find the lender’s name in the app and check it on RBI’s list of digital lending apps or our RBI-registered NBFC search.
- Read the Key Fact Statement (KFS) before you accept. It must show the APR, every fee and the total you will repay.
- Never pay a fee before the loan is disbursed. Regulated lenders deduct fees from the loan or add them to the EMI.
- Apply to one or two lenders, not ten. Each application is a hard enquiry on your credit report.
- Check that the EMI fits your budget with our FOIR calculator.
Want to see offers from several RBI-regulated lenders in one place?
Frequently asked questions
Why is Anytime Rupee’s APR above 190%?
A 20% fee taken upfront on a 3-month loan, plus interest from 3.3% a month, adds up to a very high annual cost. Its own Google Play example shows an APR of 191.16%.
Who lends through Anytime Rupee?
Finagle Financial Services Private Limited, an RBI-registered NBFC. The app is operated by Pi Credit Services Private Limited as its lending service provider.
Are these lenders RBI-regulated?
The loans described here are given by RBI-registered NBFCs or banks named in the table. Check the lender named in your loan agreement on RBI’s digital lending app list.
Where do these figures come from?
From each company’s official website and, where noted, its Google Play listing, checked on 12 October 2026. Where a company’s own pages disagree, we show both figures.
Sources
- Anytime Rupee website
- Anytime Rupee FAQ
- Anytime Rupee on Google Play
- Rupee112 homepage
- Rupee112 rate and terms
- Rupee112 FAQ
Read more: Anytime Rupee app review · Rupee112 app review · Rupee112 lender profile · All loan app reviews · Lender directory
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Disclosure: FundsTiger (Gatimaan Finance Advisors Pvt. Ltd.) is a loan marketplace and lending service provider for RBI-regulated lenders. Aparampaar Finance Pvt. Ltd. (Omozing), one of those lenders, is a related party of FundsTiger. This article is general information, not financial advice. Read your loan agreement and KFS before you decide.