Personal Loan of Rs. 4 lakh

High loan amount

Manage both small and large expenses with quick personal loans ranging from Rs. 40000 to Rs. 55 lakh—perfect for business investments, property purchases, or major life events.

Flexi loans

Make multiple withdrawals from a dropline limit and pay interest only on the withdrawn funds, with our Flexi loans.

Pre-approved offers

You can check if you have a pre-approved offer for a personal loan with just your phone number and OTP – no need to visit the branch.

Convenient repayment tenures

Manage your loan easily with flexible repayment options ranging from 12 months to 96 months, allowing you to choose EMIs that fit your income cycle and budget. Use the personal loan EMI calculator to find the most suitable repayment plan.

Approval in just 5 minutes*

Complete your entire personal loan application online from the comfort of your home or office and get an instant personal loan with lightning-fast approval.

Money in account within 24 hours*

Your bank account will be credited with your loan amount within 24 hours* of approval, or in some cases, on the same day—ideal for urgent business or personal needs.

Complete transparency - no hidden charges

Our fees and charges are mentioned clearly on this page and in all loan documents. We maintain complete transparency, allowing you to make informed financial decisions.

No guarantor or collateral needed

You don't need to provide any collateral such as gold ornaments, property papers, or have someone stand as a guarantor—completely unsecured financing.

Eligibility criteria

• Nationality: Indian
• Age: 21 years to 80 years.
• Employed with: Public, private, or MNC.
• CIBIL Score: 650 or higher.
• Customer profile: Self-employed or Salaried
   

*You should be 80 years or younger, at the end of the loan tenure.

To check your eligibility easily, use our personal loan eligibility calculator online.

Documents required for a Rs. 4 lakh personal loan

• KYC documents: Aadhaar/ passport/ voter’s ID/ driving license/ Letter of National Population Register/ NREGA job card
• PAN card
• Employee ID card
• Salary slips of the last 3 months
• Bank account statements of the previous 3 months
• Piped gas bill
• Pension order
• Letter of Allotment of Accommodation Issued by Employer
• Property / Municipal tax receipt
• Utility bill
• Phone bill
• Real-time image / photograph
• Ration card

Know more about the personal loan documents requirement. Having these documents ready ensures a smooth application process and faster approval.

Step-by-step guide to apply for a personal loan

On meeting the simple eligibility terms, follow these steps to apply for a personal loan online:
 

1. Click on ‘CHECK ELIGIBILITY’ on this page.
2. Enter your 10-digit mobile number and the OTP sent to your phone.
3. Check if you have an offer. If not, fill in the application form with your basic loan details, such as your full name, PAN, date of birth, and PIN code.
4. Now, click on ‘PROCEED’ to visit the loan selection page.
5. Enter the offer or loan amount that you need. Choose from our personal loan variants.
6. Choose the repayment tenure and click on ‘PROCEED’.
7. Complete your KYC and submit your application.
    

Our representative will contact you for further steps.
 

Check your eligibility for personal loan using just mobile number and OTP – 100% online process.