Money for the thing that will not wait.
Medical bills, a wedding, a renovation, consolidating costlier debt. A personal loan is unsecured, so approval rests on your income and credit history rather than on security.
- Loan amount
- ₹50K – ₹40L
- Indicative rate
- 11% – 24% p.a.
- Tenure
- 1 – 6 years
- Collateral
- Not required
Indicative ranges across partner lenders, not an offer of credit. Your rate and limit are set by the lending partner on the basis of your profile.
Partner lenders
- HDFC Credila
- Avanse
- Auxilo
- InCred
- Axis Bank
- ICICI Bank
- Union Bank
- Tata Capital
Common reasons to borrow
- Medical treatment and hospitalisation
- Wedding expenses
- Home renovation and repairs
- Consolidating higher-interest debt
- Travel and major purchases
- Unexpected or emergency costs
Who can apply
- Salaried professionals, self-employed individuals and business owners
- Typically aged between 21 and 60 at loan maturity
- Stable income, evidenced by salary slips or filed returns
- A credit history the lender is comfortable with
- Final criteria are set by each lending partner
Documents usually requested
- PAN and Aadhaar for KYC
- Last three to six months of salary slips, or two years of returns
- Six months of bank statements
- Proof of current address
- Employment or business continuity proof
Plan ahead
What would this cost per month?
Opens on figures typical for personal loans. Move the sliders to match your own situation.
Estimated monthly instalment
₹18,615
- Principal
- ₹8,00,000
- Total interest
- ₹3,16,876
- Total payable
- ₹11,16,876
Indicative estimate on a reducing-balance basis. It excludes processing fees, insurance and any moratorium interest. Your actual rate and instalment are set by the lending partner.
Questions
Personal loans, explained.
How fast can a personal loan be disbursed?
Where documents are complete and the profile is straightforward, lenders often decide within a few working days. Disbursement timing is set by the lending partner.
What decides the rate I am offered?
Mainly your credit score, income stability, existing obligations and employer or business profile. Because the loan is unsecured, rates sit above secured products.
Can I prepay a personal loan?
Most lenders allow prepayment after a minimum number of instalments, sometimes with a foreclosure charge. The applicable terms are disclosed by the lender before you sign.
Other ways we can help
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Real Estate Finance
Buying, building or borrowing against what you already own. Secured against the property itself, these carry the longest tenures and the lowest rates of anything on this site.
See what you qualify for.
A few questions, no paperwork to start, and no obligation to proceed.