A personal loan is the fastest way to arrange ₹50,000 to ₹40 lakh for a wedding, hospital bill, education fee, home repair or to consolidate credit card dues. We place your file with the lender most likely to approve it at the lowest rate, so you are not hit by multiple credit enquiries.
Features
- No collateral or guarantor
- Minimal documentation for salaried applicants
- Pre-approved offers for customers of partner banks
- Debt consolidation to replace 36 percent card interest with a single EMI
- Part prepayment and foreclosure options
- Disbursal directly to your bank account
Eligibility
- Salaried employees of private, public and government organisations, age 21 to 58
- Self-employed professionals and business owners, age 23 to 65
- Minimum net monthly income of ₹15,000 in Adoni and ₹25,000 in metro cities
- CIBIL score of 700 and above; new to credit customers considered with select NBFCs
Documents required
- PAN and Aadhaar
- Last 3 months salary slips or last 2 years ITR
- Last 6 months bank statement
- Employment proof or business proof (GST, Udyam, shop licence)
Frequently asked
How fast is disbursal?
With complete documents, salaried applicants typically receive funds in 24 to 72 hours. Self-employed files take 3 to 7 working days.
Does applying reduce my credit score?
Every lender enquiry leaves a mark. That is why we assess your profile first and send it to one lender that fits, instead of applying everywhere.
Can I prepay?
Yes. Most lenders allow part prepayment after 6 to 12 EMIs, with charges of 2 to 4 percent on the prepaid amount. Some offer zero charges; we tell you which.
Personal Loan EMI calculator
Rates and limits preset for a typical personal loan. Move the sliders to match your case.
| Period | Principal paid | Interest paid | Balance |
|---|