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A personal loan is an unsecured loan that can be used for various personal financial needs without requiring collateral. These loans offer flexibility in usage, quick processing, and competitive interest rates, making them ideal for debt consolidation, medical emergencies, home renovation, education expenses, or any other personal financial requirement.
Understanding the key advantages and features of personal loans
Get personal loans starting from 10.49% per annum with attractive interest rates
Fast approval and disbursal within 24-48 hours of document verification
Simple documentation process with digital verification and online application
Unsecured loan with no need for security or collateral against the loan amount
Choose from various personal loan options based on your profile and requirements
Emergency expenses, immediate cash needs
Large expenses, debt consolidation, major purchases
Business owners, professionals, freelancers
Existing bank customers with good credit history
Check your eligibility for personal loans based on employment type
| Criteria | Salaried | Self-Employed | Details |
|---|---|---|---|
| Age | 21 - 60 years | 25 - 65 years | Minimum and maximum age limits for loan eligibility |
| Income | ₹15,000+ per month | ₹2 Lakhs+ annually | Minimum income requirements for loan approval |
| Credit Score | 650 and above | 650 and above | CIBIL score requirement for best interest rates |
| Employment | 2+ years experience | 3+ years in business | Work experience and business vintage requirements |
| Documentation | Salary slips, bank statements | ITR, bank statements, business proof | Required documents for income verification |
Simple step-by-step process to get your personal loan approved quickly
Verify your eligibility criteria and loan amount qualification online
Select the best personal loan option based on your requirements
Fill the application form with accurate personal and financial details
Upload required documents for income and identity verification
Bank reviews your credit profile and approves the loan amount
Approved loan amount is disbursed to your bank account within 24-48 hours
Combine multiple debts into single loan with lower interest rate
Cover unexpected medical expenses and healthcare costs
Finance home improvement and renovation projects
Manage wedding and ceremonial expenses
Fund higher education and skill development courses
Finance dream vacation and travel expenses
Support small business requirements and working capital
Purchase appliances, electronics, and household items
Compare personal loan offers from top banks and financial institutions
Important tips to get the best personal loan deal and avoid common mistakes
Keep CIBIL score above 750 for better interest rates and quick approval
Compare rates across multiple banks to get the best deal
Review processing fees, prepayment charges, and other costs
Take loan amount that you can comfortably repay within the tenure
Understand all terms and conditions before signing the agreement
Keep all required documents ready for faster processing
• Borrow only what you can afford to repay comfortably
• Compare interest rates and charges across multiple lenders
• Read all terms and conditions carefully before signing
• Maintain a good credit score for better loan terms
• Avoid taking multiple loans simultaneously
• Make timely EMI payments to maintain good credit history
Get answers to common questions about personal loans, interest rates, and application process
Get the best personal loan deals with competitive interest rates and quick approval. Our loan experts will help you choose the right loan option and guide you through the entire process.