Benefits of a Personal Loan

1. Financing up to Rs. 55 lakh

Your personal loan can give you up to Rs. 55 lakh. You can use this money to fix your home, pay for higher studies, buy a vehicle, or cover medical costs.

2. Flexible tenures

You can choose to pay back your loan over up to 96 months. Pick a time that fits your budget and plans.

3. Rapid disbursal

We send your loan money within 24 hours* of approval. This quick access to funds is perfect for medical or other emergencies. Get funds in 24 hours.

4. No collateral required

Personal loans are unsecured loans, so you don’t have to pledge any asset. It’s a safe and easy way to borrow.

5. Attractive rates of interest

We offer competitive interest rates starting at just 10% p.a., to keep your monthly payments affordable.

6. Minimal paperwork

The documents required for a personal loan are basic: KYC papers, bank statements, income proof, and more. This makes applying quick and simple.

7. Easy qualification

Our personal loan eligibility criteria are simple, so it’s easier for you to get the finance you need.

8. Multiple uses

You can use the loan money for anything you want—no limits on how you spend it.

9. Flexi benefits

Our loans also include a Flexi facility. You can borrow from your loan limit as needed and pay interest only on what you withdraw. 

10. 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.

Eligibility criteria

• Nationality: Indian
• Age: 21 years to 80 years.
• Employed with: Public, private, or MNC.
• CIBIL Score: 685 or higher.
• Customer profile: Self-employed or Salaried

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

Documents required

• 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

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

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

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.