Introducing Rufilo – India’s first SMaRT credit card discovery and instant credit line based personal loan platform.

Smart-Match-and-Responsibility-Tracker (SMaRT) is our unique offering for the next-gen billion Indian consumers who are underserved by the banking system but have superior capabilities to build a strong credit profile by availing the right credit card.

In order to build (or even improve!) your credit score for a successful match, Rufilo offers an instant credit line based personal loan with 24 months validity. QuickCash, as the name suggests, delivers the fastest approval experience. We offer 100% AI-driven digital KYC and lending capabilities to you within the comfort of your home, at work, or even while you are on the go.

The simple application process requires just your basic details and a digital copy of your KYC document, i.e., Aadhaar Card. The personal credit line also gives its users the premium experience of the fastest disbursals at an affordable interest rate, i.e., 18% p.a. Just like the hassle-free application process, Rufilo offers multiple options of repayment, i.e., Debit Card, Netbanking, Wallets, UPI, etc. to reduce stress and enable smooth repayments

Arnold Holdings Ltd. is the owner and operator of Rufilo. It is also the lender for Rufilo and is registered with the Reserve Bank of India (RBI). "LENDER" shall mean a non-banking financial company (NBFC) or bank with whom the company has tied up for loan sanction, processing, and disbursal to the customer(s) via its mobile application Rufilo ("App") and website www.rufilo.com ("Website") (the App and Website are hereinafter together referred to as the "Platform").