Personal Loan
Money when you need it, without pledging anything.
A personal loan gives you funds fast without pledging any asset. Because every lender scores applicants differently, we match your profile with the lenders most likely to approve you at a good rate. That way you avoid repeated rejections and extra enquiries on your credit report.
- Loan amount
- ₹50,000 to ₹40 lakh
- Tenure
- 1 to 5 years
- Collateral
- Not required
- Disbursal
- In as little as 24 to 48 hours
Choose the personal loan that fits you
Not sure which one is right? Tell us your situation and we'll recommend the best fit.
Medical emergency loan
Fast funds for treatment, surgery or hospital bills not covered by insurance.
Wedding loan
Cover venue, jewellery, catering and travel without breaking your savings.
Travel loan
Fund domestic or international holidays and repay in easy EMIs.
Education loan (personal)
Pay for courses, certifications or coaching for yourself or your children.
Debt consolidation
Combine costly credit card dues and small loans into one lower-rate EMI.
Home improvement
Furniture, appliances or repairs without touching your home loan.
Why people choose our personal loan advice
- No collateral or guarantor
- Minimal documentation, mostly digital
- Fixed EMI for the full tenure
- Use the money for any personal purpose
- Pre-approved offers checked for you
Who can apply, and what it costs
We check your eligibility before applying, so there are no surprises and no unnecessary hits to your credit score.
- Salaried employees of reputed companies
- Self-employed professionals with steady income
- Age 21 to 60 years
- Credit score of 700 or above preferred
- Processing fee, usually 1% to 3% of the loan
- Foreclosure charges may apply in the first 6 to 12 months
- Late payment fees and bounce charges
- GST on all fees
Personal Loan interest rate: what decides it?
Personal Loan interest rates change with the market and differ from lender to lender, and even between two applicants at the same bank. These are the factors that decide the rate you are offered.
What it depends on
- Credit (CIBIL) score: 750 and above usually gets the best rates
- Income, job or business stability and employer profile
- Existing EMIs compared with your income (FOIR)
- Loan amount, tenure and, for secured loans, the loan-to-value ratio
- Fixed or floating rate, and the lender's benchmark (repo / EBLR / MCLR)
- Processing fees and offers running at that lender
How to get a lower rate
- Compare several banks and NBFCs before applying; we do this for you
- Improve your credit score and clear small dues first
- Add an earning co-applicant to raise eligibility
- Negotiate the processing fee, not only the interest rate
- Review your loan every year and switch if a better rate is available
Documents required for Personal Loan
Choose your applicant type to see the checklist. Keep self-attested copies ready; we'll collect and verify them for you.
Document Proof
6 items- Aadhaar Card
- PAN Card
- Voter Card
- Driving Licence
- Utility Bill (Electricity / Water)
- Passport
Income Proof
4 items- Income Tax Return (2 yrs)
- Bank Statement (12 months)
- Current Salary Slip (if salaried)
- Form 16 (if salaried)
Document Proof
7 items- Utility Bill (Electricity / Water / Telephone)
- Bank Statement
- GST Certificate
- Udyam Certificate
- Aadhaar Card
- PAN Card
- Passport
Income Proof
3 items- Income Tax Return (2 yrs)
- GSTR (3 yrs)
- Bank Statement (12 months)
Document Proof
6 items- Utility Bill (Electricity / Water)
- Bank Statement
- GST Certificate
- Company PAN Card
- MOA / AOA / COI
- Udyam Certificate
Income Proof
5 items- Income Tax Return (2 yrs)
- GSTR (3 yrs)
- Bank Statement (12 months)
- Audited Balance Sheet (2 yrs)
- Complete Balance Sheet with Audit Report (3 yrs)
The exact list can vary by lender and your profile. Not sure what applies to you? Our advisor will confirm in one call.
From first call to disbursal
Scroll through the steps to see what we do at each stage.
Expert tips before you apply
- 1Borrow only what you need; a smaller loan gets better rates and is easier to repay.
- 2Check the APR (rate plus fees), not just the interest rate.
- 3Avoid applying to many lenders at once; each hard enquiry can lower your score.
Personal Loan: common questions
Talk to an expert today
Share a few details and we will call you back. The first consultation is free.
- Call us+91 92122 66375
- WhatsAppChat with an advisor
- Office hoursMon to Sat, 10:00 am to 7:00 pm
Request a call back
We usually respond the same working day.
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