Unsecured personal credit built around your repayment comfort.
Borrow up to ₹25 Lakh without collateral. Fixed reducing-balance interest rates, flexible tenures from 12 to 60 months, and direct bank disbursal within 48 hours of sanction.
Personal Loan Facility
- Annual Interest Rate
- 10.99% – 24% p.a.
- Facility Quantum
- ₹50,000 to ₹25 Lakh
- Repayment Tenure
- 12 to 60 Months
- Processing Charges
- Up to 2.5% + GST
Designed for predictable monthly budgeting
Straightforward unsecured credit with fixed monthly installments and transparent part-prepayment terms.
Approval in hours
Digital KYC and instant document checks keep decisions fast.
No collateral
Unsecured credit — your assets stay entirely yours.
Tenure up to 60 months
Choose a repayment plan that matches your monthly budget.
Easy part-prepayment
Pay ahead whenever you can and reduce your interest outgo.
Flexible fund utilization
Disbursed directly to your salary or savings bank account with no end-use restriction for legitimate personal requirements.
Personal loan eligibility by monthly income & specialized retail options
Check indicative sanction limits across net take-home salary brackets or explore our specialized retail, vehicle, and gold-backed facilities.
| Net Monthly Salary | Indicative Multiplier | Max Loan Quantum | Starting ROI |
|---|---|---|---|
| ₹20,000 – ₹25,000 | Up to 10x – 12x | ₹1.5 Lakh – ₹3 Lakh | 12.50% p.a. |
| ₹30,000 – ₹40,000 | Up to 15x | ₹4.5 Lakh – ₹6 Lakh | 11.75% p.a. |
| ₹50,000 – ₹75,000 | Up to 18x – 20x | ₹9 Lakh – ₹15 Lakh | 11.25% p.a. |
| ₹75,000 – ₹1,00,000 | Up to 22x | ₹16 Lakh – ₹22 Lakh | 10.99% p.a. |
| ₹1,00,000+ (Corporate / PSU) | Up to 25x | Up to ₹40 Lakh | 10.75% p.a. |
*Final sanction multiplier depends on CIBIL/CRIF score (700+ preferred), employer category (CAT A / B / Govt), and existing EMI obligations (FOIR ≤ 55%).
Salaried & Govt Employees
Preferential interest rates and zero collateral for private corporate employees, PSU staff, teachers, and civil servants.
Personal Loan for Women
Concessional processing fees and special rate rebates of up to 0.25% p.a. for salaried and self-employed women applicants.
New & Pre-Owned Car Loan
Up to 90% on-road financing for new passenger vehicles and verified used cars from 8.90% p.a. with tenures up to 84 months.
Instant Gold Loan
Have a lower credit score or need same-day liquidity? Pledge hallmarked gold ornaments at 9.25% p.a. with 2-hour disbursal.
Eligibility criteria & required documentation
Verify that your profile meets our baseline parameters for expedited 48-hour credit sanction.
Applicant Eligibility
Standard parameters for salaried and self-employed retail applicants.
- Indian resident aged 21 to 60 years
- Salaried with a minimum net income of ₹20,000 / month
- At least 1 year of total work experience
- Credit score of 700 or above preferred
- Self-employed applicants with stable income are welcome
Required Documents
Clear digital PDFs or scans required during online application review.
- PAN card and Aadhaar card
- Latest 3 months’ salary slips
- Last 6 months’ bank statement (salary account)
- Form 16 or latest ITR
- Recent passport-size photograph
Calculate your personal loan EMI
Model your monthly installment across tenures from 12 to 60 months and inspect the full reducing-balance schedule.
Calculated on a monthly reducing-balance basis. Processing fees and statutory taxes are separate as per the Schedule of Charges.
Repayment Amortisation Schedule
Periodic breakdown of principal recovery, interest expense, and declining balance.
| Year | Principal (₹) | Interest (₹) | Total EMI Paid (₹) | Closing Balance (₹) | Principal Repaid |
|---|
Common questions answered
Clear answers regarding disbursal timelines, part-prepayment rules, and interest rate determination.
Clubbing spouse or parent income can enhance your eligible personal loan limit.
Speak with our retail credit deskHow quickly will I receive my personal loan?
Do I need a guarantor or collateral?
Can I prepay my loan?
What decides my interest rate?
Apply for a transparent personal loan today
Submit your details online for a 2-hour callback from our credit officer and disbursal within 48 hours of verification.