Room to move, when life asks for it.
Larger unsecured funding for milestones and emergencies, arranged across several lenders at once so you can see the real cost of each option before choosing.
- Loan amount
- ₹1L – ₹40L
- Indicative rate
- 11% – 22% 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
What it is typically used for
- Significant medical expenses
- Family events and milestones
- Relocation and setting up a home
- Bridging a gap in income
- Consolidating several costlier debts
Who can apply
- Salaried professionals, self-employed individuals and business owners
- Demonstrable, stable income
- A credit history the lender is comfortable with
- Existing obligations that leave room for the new instalment
- Final criteria are set by each lending partner
Documents usually requested
- PAN and Aadhaar for KYC
- Income proof: salary slips or filed returns
- Six months of bank statements
- Proof of current address
- Details of existing loans and credit cards
Plan ahead
What would this cost per month?
Opens on figures typical for personal capital loans. Move the sliders to match your own situation.
Estimated monthly instalment
₹35,685
- Principal
- ₹15,00,000
- Total interest
- ₹6,41,094
- Total payable
- ₹21,41,094
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 capital loans, explained.
How is this different from a standard personal loan?
It is the same product class, positioned for larger tickets and longer planning horizons. The eligibility and documentation work the same way.
Does consolidating debt actually help?
It can, if the new rate is meaningfully lower than what you are paying and you avoid re-borrowing on the cleared accounts. Compare total interest over the full tenure, not just the monthly instalment.
Other ways we can help
- Explore
Education Loans
One application puts your profile in front of multiple education lenders, so you can weigh secured against unsecured, and rate against repayment, before you commit to anything.
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Personal Loans
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.
- Explore
Study Abroad Finance
Studying abroad adds moving parts: currency, visa timelines, proof of funds. We help you line up a lender whose disbursement schedule fits the dates your university and consulate actually work to.
See what you qualify for.
A few questions, no paperwork to start, and no obligation to proceed.