Jupiter review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Jupiter is a fair pick for Indian savers who want one app holding an easy-access account, a debit card and personal loans. The trade-off is the rate: 2.5% on a variable basis sits well under the site median, so the convenience and the credit line matter more than the yield.
Key facts
- Best for
- Indian households wanting easy-access savings and a personal loan in one app.
- Headline rate
- 2.5%↗
- Rate type
- Variable↗
- Term
- 1 to 36 months↗
- Minimum deposit
- ₹5,000↗
- Access terms
- On-demand access: UPI, IMPS, NEFT, RTGS, debit card and cheque book; deposits at any Federal Bank branch↗
- Account kind
- Easy access↗
- Legal entity
- Amica Financial Technologies Private Limited↗
- Headquarters
- India↗
- Founded
- 2019↗
- Support channels
- Email, Chat, Phone, Help-centre, Community↗
- Official website
- jupiter.money
Loans
- APR
- up to 28%↗
- Loan amount
- ₹500,000↗
- Arrangement fee
- Up to 4% processing fee↗
- Funding time
- Credited in 2 minutes once approved↗
- Representative example
- Personal loan of Rs 2,00,000 at 1.33% p.m. for 36 months, processing fee Rs 7,080, net credited Rs 1,92,920, monthly EMI Rs 7,031.41↗
- Lender type
- Broker↗
- Free early repayment
- Yes↗
- Eligibility
- Indian national aged 23 to 60; salaried, business owner or self-employed professional↗
- Origination fee (%)
- up to 4%↗
- Loan types
- Personal, Debt-consolidation↗
- Use cases
- Home-improvement↗
- Features
- Same-day funding
Debit cards
- Card type
- Debit↗
Robo-advisors
- Account types
- Corporate↗
Facts checked September 26, 2026, 7 sources
Pros and cons
Pros
- Savings pay 2.5% on a variable basis, so the rate can move with the market
- Loans up to INR 500,000 run 1 to 36, with Credited in 2 minutes once approved
- Early repayment is free on the loan, so overpayments cost nothing
- Support runs through email, chat and phone
Cons
- The 2.5% variable rate trails the site median of 3%
- Personal loans carry Up to 4% processing fee alongside an APR of up to 28%
- The savings side is easy access only, so there is no fixed or notice term to lock a rate
Who it suits
- Salaried workers and self-employed professionals in India who want easy access to savings
- Anyone also needing a personal loan or debt consolidation, since personal and debt consolidation are offered
- Savers who value a debit card and on-demand payouts over the highest rate
Who should look elsewhere
- Savers chasing a top rate, since 2.5% sits below 3.01% and 3.29%
- Anyone wanting a fixed or notice account, as easy access is the only kind on offer
- Borrowers who dislike upfront costs, since Up to 4% processing fee is taken before repayment starts
Rates and card terms
Savings pay 2.5% on a variable basis, so the figure can rise or fall rather than being locked. The borrowing side works differently: loans of INR 500,000 carry an APR of up to 28% and run 1 to 36, with Up to 4% processing fee charged on top. Cards are debit rather than credit, so there is no borrowing on the card side and no card interest to weigh.
How Jupiter compares
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Where Jupiter is available
- Available
- India
- Licence in India
- Reserve Bank of India (PPI issuer) (192/2024), checked September 26, 2026
- Licence in India
- NPCI (TPAP), checked September 26, 2026
- Licence in India
- RBI (NBFC registration, Amica Finance Private Limited) (N-13.02457), checked September 26, 2026
- Licence in India
- SEBI (Investment Adviser, Amica Investment Advisers Private Limited) (INA000015507), checked September 26, 2026
- Licence in India
- AMFI (CAT-1 Execution only Platform) (CAT1 EOP-0005), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What rate does Jupiter pay on savings?+
Jupiter pays 2.5% on its savings balance, and the rate is variable, so it can change rather than staying fixed for a set period. The account is easy access, which suits anyone who may need the money without notice rather than tying it up for a term.
How much can I borrow and over what term?+
Loans go up to INR 500,000 and run 1 to 36, covering personal and debt consolidation. Once approved, Credited in 2 minutes once approved. The representative example on a mid-sized loan shows a processing fee taken upfront, so the amount credited is lower than the amount borrowed.
How do I get money in and out?+
Access is on demand through UPI, IMPS, NEFT and RTGS, and the account comes with a debit card plus a cheque book. Cash deposits can be made at any Federal Bank branch, so a branch network backs up the app for anyone who prefers paying in over the counter.
Is my money protected and who regulates Jupiter?+
Jupiter is regulated in India, with Reserve Bank of India approval as a PPI issuer and an NPCI TPAP registration, plus an RBI NBFC registration held by Amica Finance Private Limited. The savings side and the lending side sit with different entities, so it is worth checking which one holds the money you are depositing.
Can I repay a loan early without penalty?+
Yes. Free early repayment is available, so settling the loan sooner than the scheduled end does not add a charge. Terms run 1 to 36, so a shorter commitment can be closed off whenever the money is available.
Who can apply for the loan?+
Eligibility is open to Indian nationals of adult age, whether salaried, a business owner or a self-employed professional. Applications cover personal and debt consolidation including home improvement, and eligibility is separate from approval, which still depends on a credit assessment.
How do I get help?+
Support runs through email, chat and phone, so phone and email are both available alongside live chat and a self-serve help centre. A community channel is also listed for questions that do not need a direct answer. Jupiter is based in India, which shapes the support hours.
Sources
- earnkaro.com/blog/jupiter-money-affiliate-program checked September 26, 2026
Backs: Founded, Headquarters
“Establishment Year: 2019 ... Jupiter Money is a 2019 startup”
- jupiter.money checked September 26, 2026
Backs: Account types, Lender type
“Corporate salary account”
- jupiter.money checked September 26, 2026
Backs: Licences
- jupiter.money/contact-us checked September 26, 2026
Backs: Legal entity, Support channels
“Jupiter Money / Jupiter Edge is wholly owned and operated by Amica Financial Technologies Private Limited”
- jupiter.money/fees-rates-charges checked September 26, 2026
Backs: APR, Headline rate, Minimum deposit, Arrangement fee, Origination fee (%), Rate type
“Loan Charges: Interest Rate Upto 28%”
- jupiter.money/loan checked September 26, 2026
Backs: Loan amount, Eligibility, Features, Free early repayment, Funding time, Loan types, Representative example, Term, Use cases
“Finance your life. Get up to Rs 5 Lakhs”
- jupiter.money/savings-account checked September 26, 2026
Backs: Access terms, Account kind
“You can make superfast payments with UPI, IMPS, and debit card - whether it's for recharges, bills, or merchant transactions”
- jupiter.money/savings-account checked September 26, 2026
Backs: Card type
“Open Savings Account Online | Jupiter Savings Account”
Compiled from 8 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Deposit protection.
Jupiter
Indian households wanting easy-access savings and a personal loan in one app.