Personal Loan
Money for every milestone, in days
Quick unsecured personal loans for weddings, medical emergencies, travel, education or consolidating expensive debt. Minimal paperwork, instant approval from partner lenders, and money directly in your account.
Interest rate
from 10.75% p.a.
Loan amount
Up to ₹50 L
Max tenure
up to 7 years
Processing fee
1.00% – 2.50% of loan amount
Key features
Personal Loan highlights
- Interest rates starting 10.75% p.a. (indicative)
- No collateral, no guarantor required
- Disbursal in as fast as 24 – 72 hours
- Tenure from 1 to 7 years — pick an EMI that fits
- Part-payment and foreclosure allowed by most lenders
- Pre-approved offers for salaried professionals
Get the best personal loan offer today
Free consultation with a dedicated manager. Compare multiple sanctioned offers before you choose.
Plan it
Personal Loan EMI calculator
Prefilled with typical values for this product — adjust to match your requirement.
Indicative calculation for a reducing-balance loan. Your actual EMI depends on the lender's final rate and schedule.
Your monthly EMI
₹10,809
Principal amount
₹5 L
Total interest
₹1.49 L
- Principal
- ₹5,00,000
- Total interest
- ₹1,48,539
- Total payable
- ₹6,48,539
Eligibility
Who qualifies
- Age between 21 and 60 years
- Salaried with a reputed company or self-employed professional
- Minimum net monthly income of ₹20,000
- Total work experience of at least 1 year (6 months with current employer)
- Credit score of 700+ gets the best rates
Documents
Keep these ready
- Identity proof — PAN and Aadhaar
- Address proof — Aadhaar, passport or utility bill
- 3 months' salary slips (salaried)
- 2 years' ITR / Form 16 (self-employed)
- 6 months' bank statements of salary / primary account
- Employment proof — offer letter or ID card
Costs, upfront
Interest rates & charges
Indicative ranges across partner lenders. Your final schedule is shared in writing before you sign.
| Charge | Details |
|---|---|
| Interest rate | 10.75% p.a. onwards (indicative) |
| Processing fee | 1.00% – 2.50% of loan amount |
| Prepayment / foreclosure | Nil – 5% depending on lender |
| Late payment penalty | 2% – 3% per month on overdue EMI |
| Cheque / ECS bounce | ₹400 – ₹750 per instance |
| Insurance (optional) | As per lender's partner plan |