• Rupee112 has launched India's first fully automated loan disbursal service via WhatsApp, allowing salaried professionals to access instant unsecured loans.
  • The AI-driven system enables real-time verification and quick fund transfers, streamlining the lending process without paperwork or lengthy approvals.

Rupee112, a Gurgaon-based fintech startup, has introduced India’s first fully automated loan disbursal service through WhatsApp, allowing salaried professionals to access unsecured loans instantly.

The service utilizes artificial intelligence (AI) and machine learning (ML) to streamline the lending process, eliminating paperwork and reducing approval times.

According to the company, the platform enables borrowers to secure loans ranging from ₹5,000 to ₹1,00,000 by messaging Rupee112’s official WhatsApp number. Once the request is initiated, the system verifies user details in real-time and disburses the funds directly into their bank accounts within minutes.

Rupee112’s AI-driven approach ensures fast verification and secure processing, addressing common challenges in traditional lending. The company aims to make financial services more accessible by integrating automated loan disbursal with WhatsApp, a widely used platform in India.

“Technology has always been at the core of what we do, and the introduction of WhatsApp loan disbursal is another step toward making financial services more accessible and inclusive,” said Vikkas Goyal, Founder of Rupee112.
“By integrating automated loan disbursal with WhatsApp, we’re not just meeting customer needs—we’re anticipating them.”

The introduction of this service reflects a broader trend of digital transformation in India’s financial sector, where fintech companies are leveraging AI and ML to enhance user convenience. Rupee112's initiative aligns with the growing demand for seamless, digital-first financial solutions.

Founded in 2023, Rupee112 focuses on financial accessibility for salaried professionals, offering services such as instant loans through a mobile app and now, WhatsApp. As fintech adoption continues to rise, digital lending solutions like this are expected to play a significant role in expanding financial inclusion in India.

Edited by Harshajit Sarmah