Unsecured, flexible tenures, and a decision you won't wait weeks for.
Illustrative photographA personal loan is an unsecured loan for your own use — no collateral, no questions about what you spend it on. It is built for short-notice needs: a medical bill, school fees, a wedding, urgent repairs, or consolidating costlier debt into one manageable EMI.
No collateral. No guarantor. No hidden charges.
Nothing pledged
Fully unsecured. Your home, gold and investments stay exactly where they are.
Tenures that fit your budget
Choose 12 to 84 months. Shorter tenure, less interest; longer tenure, lighter EMI.
Approval in principle, fast
Submit online and get an indicative decision the same working day in most cases.
Builds your credit file
Every EMI paid on time strengthens your score for the bigger borrowing later.
Age 21 to 60 years at application
Indian citizen, or a foreign national with valid residency and work authorisation
Salaried with a steady employer, or self-employed with filed returns
No fixed income? Two years of ITRs let us work out an average monthly figure
Past defaults or a thin credit file are reviewed case by case — we do not auto-reject
Not sure you qualify?
Checking does not affect your credit score and does not commit you to anything. Send your details and we will tell you honestly where you stand.
Check eligibilityCollect these once and the rest moves quickly. Missing paperwork is the single biggest cause of delay on any loan file.
Proof of identity
- Aadhaar Card
- PAN Card
- Passport
- Voter ID
- Driving Licence
Proof of address
- Aadhaar Card
- Utility bill (electricity, water, gas)
- Passport
- Voter ID
- Registered rent agreement
If salaried
- Latest salary slips (last 3 months)
- Bank statements (last 6 months)
- Form 16 or ITR (last 2 years)
If self-employed
- Income tax returns (last 2 years)
- Bank statements (last 6 months)
- Audited financials, where applicable
Also keep ready
- Two to three recent passport-size photographs
- Statements for any loans already running
- Proof of other income — rent, interest, dividends
Move the sliders. This is the same reducing-balance formula every lender uses, so the figure you see here is the figure you should expect on a sanction letter at that rate.
A shorter tenure shrinks the teal slice fast.
- Principal
- ₹12,00,000
- Total interest
- ₹3,47,561
- Total payable
- ₹15,47,561
An estimate. Your sanctioned rate depends on your credit profile, income and the lender. Processing fees and insurance are not included above.