Personal Loan
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What is a Personal Loan?
Personal Loan for Salaried & Self-Employed Individuals
Whether you’re planning a family vacation, funding your child’s education, managing medical expenses, or consolidating debt, our Personal Loan is designed to provide you with quick, hassle-free financial assistance.
With minimal paperwork, quick approvals, and flexible repayment options, we ensure you get the support you need—when you need it.
Benefits of Our Personal Loan
A Personal loan offers several benefits, including:
- Instant Financial Support: Meet urgent personal expenses without delays.
- No Collateral Required: 100% unsecured loan—no need to pledge assets.
- Flexible Repayment Tenure: Choose a repayment term that suits your budget.
- Quick Approval & Disbursal: Fast processing with minimal documentation.
Features of a Personal Loan
Some key features of a Personal Loan include:
- Loan Amount: ₹50,000 to ₹50 lakh* (subject to eligibility and creditworthiness).
- Tenure: Flexible repayment period ranging from 12 to 36 months.
- Interest Rate: Attractive rates starting from XX% p.a. based on applicant profile.
- Processing Fee: Nominal charges applicable.
- Repayment Method: Easy EMI options via auto-debit or post-dated cheques.
- Prepayment/Foreclosure: Facility available with applicable charges.
Eligibility Criteria
For Salaried Individuals
- Age: 21 to 60 years
- Employment: Permanent employee of private sector, public sector, or government organization
- Minimum Income: ₹15,000 to ₹25,000 per month (varies by city)
- Work Experience: Minimum 1 year of continuous employment
For Self-Employed Individuals
- Age: 23 to 70 years
- Business Vintage: Minimum 2 years of stable business operations
- Minimum Income: Based on business turnover/profitability
- Income Proof: ITRs, audited financials, or bank statements
Documents Required
For Salaried Individuals
- PAN Card & Address Proof (Aadhaar/Voter ID)
- Latest Salary Slips (Last 3 months)
- Bank Statements (Last 6 months)
- Employment Certificate (if required)
For Self-Employed Individuals
- PAN Card & Address Proof
- Business Registration Proof
- ITRs for the last 2 years
- Audited Financial Statements (if applicable)
- Bank Statements (Last 6–12 months)
How to Apply for a Personal Loan
- Check Eligibility: Use our online eligibility calculator or contact our team.
- Submit Application: Upload your documents or visit our nearest branch.
- Loan Approval: Get personalized offers based on your credit profile.
- Instant Disbursal: Receive funds directly into your bank account.