One Loan, Many Uses
The same loan can cover a wedding this year and a home repair the next—no separate approval needed for each.
Personal Loan
Funds for Whatever You're Facing Right Now
A personal loan doesn't ask why—it just needs to know you can repay it. Use it for a wedding, a medical bill, a move or a debt you'd rather bring under one roof. We'll help you see what you're likely eligible for before you commit to anything.
₹40K–₹CrIndicative loan range
9.75%+ p.a.Starting rate, illustrative
Up to 96 monthsRepayment tenure
Before you apply
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Aged between 21 and 60, and currently earning
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Can show a steady income, salaried or self-employed
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Have your PAN, Aadhaar and basic KYC on hand
Why it works
Flexible by Design, Not by Accident
A personal loan is deliberately unspecific about what you use it for. That's the point—it bends to your situation instead of forcing your situation into a form.
Nothing to Pledge
Most personal loans are unsecured, so your gold, property or investments stay exactly where they are.
Guided, Not Left Alone
An advisor reviews your situation with you—you're not decoding lender terms on your own.
Loan types
More Than One Reason to Use It
Lenders often label the same underlying loan by what it's for. The eligibility barely changes—only the story behind the request does.
Standard Personal Loan
No end-use restriction—for whatever doesn't fit neatly into another loan category.
Debt Consolidation Loan
Bring several dues under one EMI, often at a lower blended cost than what you're paying now.
Wedding Loan
Cover venue, catering or jewellery costs without touching money set aside for later.
Travel Loan
Book the trip now and repay it in instalments that fit your monthly budget.
Home Renovation Loan
Repair or refresh your space without reopening or restructuring an existing home loan.
Medical Loan
Move quickly on treatment costs that insurance doesn't fully cover.
Education Loan Top-Up
Fund a short course, certification or fee gap that a formal education loan doesn't stretch to.
Consumer Durable Loan
Spread the cost of a big appliance or gadget purchase over a few manageable months.
Eligibility
Where Do You Stand?
General guidelines lenders tend to weigh. Actual criteria differ by lender and are confirmed only during assessment.
Who typically qualifies
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Age21 to 60 years at application; a few lenders stretch this to 65 at maturity.
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IncomeA steady monthly income above the lender's minimum, whether salaried or self-employed.
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Work historyA reasonable stretch with your current employer, business or practice.
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ResidencyA settled address history in your current city helps during verification.
What strengthens your case
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Credit scoreA track record of on-time repayment usually unlocks better pricing.
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Existing obligationsLower running EMIs relative to income improve your approval odds.
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Complete KYCPAN, Aadhaar and address proof kept current and ready to share.
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Clean banking recordNo recent cheque bounces or overdue remarks on your account.
Documents
Sorted by Who You Are, Not a Generic List
Pick the category closest to yours. Requirements can still shift slightly by lender.
- PAN card and Aadhaar, or another valid ID
- Latest 2–3 months' salary slips
- Salary account statement for the last 6 months
- Employee ID or an HR-issued letter, if requested
- A recent passport-size photograph
- PAN card and Aadhaar, or another valid ID
- Business registration or proof of practice
- Income tax returns for the last 2 years
- Bank statements for the last 6–12 months
- A recent passport-size photograph
- PAN card and Aadhaar, or another valid ID
- Pension payment order (PPO)
- Pension account statement, last 6 months
- Age and identity proof
- A recent passport-size photograph
How to apply
Five Steps Between You and Disbursal
Nothing here needs a branch visit. Start whenever you have ten minutes and your documents nearby.
Talk to an advisor firstTell us about your need
Share a few basics about your income, employment and what you're borrowing for.
Share your documents
Upload KYC and income proof securely, from your phone or laptop.
Get matched and reviewed
Your details are checked against lender criteria to shape a realistic offer.
Review your offer
See the amount, rate and repayment terms clearly before deciding anything.
Accept and get funded
Sign digitally, and the approved amount is credited to your account.
Plan the repayment
See What It Might Cost You Each Month.
Move the sliders to get an illustrative sense of your EMI before you apply. Nothing here is a quote—your actual offer depends on assessment.
Example only—not an offer or approval.
₹40K₹40L
12 months60 months
10.75%24%
Estimated monthly payment₹
16,731at an illustrative 12.5% p.a.
Apply Now
FAQs
Before You Ask, We Probably Answered It
Still stuck on something specific? Reach out and we'll walk through it together.
Contact usNot automatically. A lower score can mean a higher rate or a smaller
sanctioned amount rather than an outright no. It's worth having the conversation before assuming
you don't qualify.
Once your documents are verified and you've accepted an offer, it can be
as quick as a day or two. Verification speed—more than anything else—decides the timeline.
No single number applies everywhere—it shifts with your city, lender and
job type. We'll point you toward options that suit the income you actually have.
Usually a processing fee, and sometimes prepayment or late-payment
charges. Whatever applies to your offer is spelled out clearly before you sign anything.
It depends on your income, current obligations and credit history.
Indicatively, that's anywhere from ₹40,000 to around ₹40 lakh, confirmed only after assessment.
Generally, yes. Since it's not tied to a single declared purpose, the
same loan can quietly cover more than one need at a time.