Personal Loan
Get quick access to funds for your personal needs with our hassle-free personal loans. Whether it's a medical emergency, education expenses, travel plans, or home renovation, we've got you covered.
Personal Loan Details
Loan Amount
₹5,000 - ₹5,00,000
Flexible loan amounts to meet your specific requirements
Interest Rate
12% - 24% p.a.
Competitive interest rates based on your profile
Loan Tenure
3 - 24 months
Flexible repayment periods to suit your financial situation
Processing Fee
2% - 3%
Transparent fee structure with no hidden charges
Key Features
Minimal Documentation
Simple documentation process with basic KYC requirements
Quick Approval
Get your loan approved within 24 hours of application
Flexible Repayment
Multiple repayment options including UPI, net banking, and auto-debit
No Collateral Required
Unsecured loan with no need for security or collateral
Pre-closure Option
Option to pre-close your loan after 3 months with minimal charges
Digital Process
End-to-end digital process from application to disbursement
Eligibility Criteria
- Age: 21 to 58 years
- Minimum income: ₹18,000 per month for salaried individuals
- Employment: Minimum 6 months in current job for salaried individuals
- Credit Score: 650+ preferred (lower scores may be considered case by case)
- KYC Documents: PAN Card, Aadhaar Card, and address proof
Required Documents
Identity & Address Proof
- Aadhaar Card (Mandatory)
- PAN Card (Mandatory)
- Voter ID/Driving License/Passport
Income Proof
- Last 3 months' salary slips
- Bank statements for the last 3 months
- Form 16 (if available)
Apply for Personal Loan
Get your personal loan approved in 3 simple steps:
Fill the application
Complete our simple online application form in just 2 minutes
Upload documents
Submit your KYC and income documents digitally
Get funds
Receive funds directly in your bank account after approval
All loans are subject to eligibility and credit approval. Terms and conditions apply.
Frequently Asked Questions
Find answers to common questions about our personal loans.
How long does it take to get a personal loan?
Our personal loans are typically approved within 24 hours of submitting a complete application with all required documents. Once approved, the funds are disbursed directly to your bank account within a few hours.
Can I repay my loan early?
Yes, you can pre-close your personal loan after completing 3 months of repayment. A nominal pre-closure fee of 2-3% of the outstanding principal amount may apply. This gives you the flexibility to repay your loan whenever your financial situation improves.
What happens if I miss an EMI payment?
Missing an EMI payment will result in a late payment fee and could negatively impact your credit score. If you anticipate difficulty in making a payment, please contact our customer service team in advance to discuss potential solutions.
How is the interest calculated?
We calculate interest on a reducing balance basis, which means as you pay down your principal, you pay less interest over time. This is more beneficial compared to flat interest rate calculations used by some lenders.