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Personal Loan

Enabling Dreams with
Personal Loan

Loan amount | Quick Disbursal | Flexible EMI

Home>Personal Loan>Overview

Personal Loan Overview

Access collateral-free personal financing from ₹50,000 to ₹50 Lakhs with instant digital verification, low interest rates starting from 10.50% p.a., and flexible repayment tenures up to 84 months across 50+ banking partners.

Personal Loan Interest Rates & Key Details
Interest RatesFrom 10.50% p.a.
Loan AmountUp to ₹50 Lakhs
Maximum TenureUp to 7 Years
Disbursal TurnaroundUnder 24 Hours
Upfront ChargesZero Advance Cash Fees
verifiedAuthorized Lending Bank PartnersInstant Sanction Desks
HDFC Bank
HDFC BankStarting 10.50% p.a.
ICICI Bank
ICICI BankStarting 10.75% p.a.
Axis Bank
Axis BankStarting 11.00% p.a.
Kotak Mahindra Bank
Kotak BankStarting 11.25% p.a.
State Bank of India
SBIStarting 11.50% p.a.
IDFC FIRST Bank
IDFC FIRSTStarting 11.75% p.a.
Direct Disbursal Channel

Apply for Personal Loan

Compare instant quotes across 50+ banks with zero upfront charges.

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₹5,00,000
₹50,000₹50,00,000
speed
Estimated EMI (~5 Yrs)₹10,747 /mo
Sanction SLAWithin 24 Hours
lock256-Bit SSL•verified_userDPDP Compliant•money_offZero Upfront Fee

Authorized Co-Lending Network With 50+ Scheduled Banks & Premier NBFCs

HDFC Bank
HDFC Bank
Starting 8.75% p.a.
State Bank of India
State Bank of India
Starting 7.25% p.a.
Punjab National Bank
Punjab National Bank
Starting 7.25% p.a.
Canara Bank
Canara Bank
Starting 7.25% p.a.
Indian Bank
Indian Bank
Starting 7.25% p.a.
ICICI Bank
ICICI Bank
Starting 8.90% p.a.
Axis Bank
Axis Bank
Starting 9.25% p.a.
Kotak Mahindra Bank
Kotak Mahindra Bank
Starting 8.50% p.a.
IDFC FIRST Bank
IDFC FIRST Bank
Starting 9.75% p.a.
Tata Capital
Tata Capital
Starting 9.99% p.a.
Bajaj Finserv
Bajaj Finserv
Starting 10.50% p.a.
Piramal Finance
Piramal Finance
Starting 9.40% p.a.
L&T Finance
L&T Finance
Starting 10.25% p.a.
IndusInd Bank
IndusInd Bank
Starting 9.40% p.a.
Bank of Baroda
Bank of Baroda
Starting 8.60% p.a.
Poonawalla Fincorp
Poonawalla Fincorp
Starting 9.99% p.a.
HDFC Bank
HDFC Bank
Starting 8.75% p.a.
State Bank of India
State Bank of India
Starting 7.25% p.a.
Punjab National Bank
Punjab National Bank
Starting 7.25% p.a.
Canara Bank
Canara Bank
Starting 7.25% p.a.
Indian Bank
Indian Bank
Starting 7.25% p.a.
ICICI Bank
ICICI Bank
Starting 8.90% p.a.
Axis Bank
Axis Bank
Starting 9.25% p.a.
Kotak Mahindra Bank
Kotak Mahindra Bank
Starting 8.50% p.a.
IDFC FIRST Bank
IDFC FIRST Bank
Starting 9.75% p.a.
Tata Capital
Tata Capital
Starting 9.99% p.a.
Bajaj Finserv
Bajaj Finserv
Starting 10.50% p.a.
Piramal Finance
Piramal Finance
Starting 9.40% p.a.
L&T Finance
L&T Finance
Starting 10.25% p.a.
IndusInd Bank
IndusInd Bank
Starting 9.40% p.a.
Bank of Baroda
Bank of Baroda
Starting 8.60% p.a.
Poonawalla Fincorp
Poonawalla Fincorp
Starting 9.99% p.a.
auto_awesomeKey Advantages

Personal Loan Features & Benefits

Key product features and underwriting advantages tailored for you.

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01

Zero Collateral Required

100% unsecured loan facility with no pledge or guarantor required.

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02

Same-Day Direct Disbursal

Fast-track underwriting with immediate fund transfer to your bank account upon verification.

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03

Flexible Repayment Tenures

Choose customized tenures from 12 to 84 months with transparent EMI calculations.

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Multi-Bank Comparison

Compare quotes across 50+ top banks including HDFC, ICICI, SBI, Axis, Kotak & Tata Capital.

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05

No End-Use Restrictions

Use loan funds freely for medical emergencies, home renovation, weddings, travel, or debt consolidation.

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06

Paperless Digital Application

Simple digital KYC with soft-copy upload and seamless end-to-end status tracking.

fact_checkFast-Track Verification

Eligibility & Documents Required

Minimal documentation with 100% digital verification.

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Eligibility Criteria

Basic qualifications to apply

  • check_circleAge Range: 21 to 65 years at loan maturity.
  • check_circleEligible Profiles: Salaried Individuals, Self-Employed Individuals, and Certified Professionals.
  • check_circleMinimum Income: Monthly net income of ₹18,000+ (Salaried) or stable business cash flow (Self-Employed).
  • check_circleCredit Profile: Minimum CIBIL score of 675+ for fast-track approvals.
  • check_circleNationality: Indian Resident with valid identity and address proof.
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Documents Required

Simple digital paperless upload

  • task_altKYC Proof: PAN Card & Aadhaar Card (Identity & Address Proof).
  • task_altIncome Proof (Salaried): Latest 3 Months Salary Slips or Form 16.
  • task_altBanking Records: Latest 6 Months Bank Statement (Salary credit or operative account).
  • task_altCurrent Residence Proof: Electricity Bill, Rent Agreement, or Utility Bill.
  • task_altPhotographs & ID: Passport Size Photograph & Employee ID Card.
calculateInstant Financial Underwriting Tools

EMI Calculator for Personal Loan

Simulate your monthly installment and total interest for Personal Loan.

₹5,00,000
₹1 Lakh₹1 Crore₹5 Crore
10.50%
7.20%15.00%24.00%
5 Yrs (60 Mos)
1 Year5 Years10 Years20 Years
Estimated Monthly EMI
₹10,747/ month
Principal: 78%Interest: 22%
Principal Amount₹5,00,000
Total Interest₹1,44,820
Total Amount Payable₹6,44,820
5 Years Tenure
quizFAQs

Frequently Asked Questions

You can borrow from ₹50,000 up to ₹50 Lakhs depending on your monthly income, credit score, current financial liabilities, and banking history.

Ready to Apply for Personal Loan?

Get matched across 50+ premier banks & NBFCs with zero upfront fees and minimal paperwork.

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