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Personal Loan

Funds for life's moments, without the wait.

Wedding, medical bills, travel or a home upgrade: an unsecured personal loan with no collateral and quick disbursal. We find you the lowest rate your profile qualifies for.

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12%Rates from*
₹40 LUp to*
6 yrsMax tenure
EMI estimateIndicative · actual rate depends on your profile
Monthly EMI₹0
Total interest ₹0Total payable ₹0
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What it covers

Built around what you need.

Wedding expenses

Venue, jewellery and everything in between.

Medical emergencies

Cover hospital bills not fully paid by insurance.

Travel

Plan the trip now and pay over manageable EMIs.

Home renovation

Smaller upgrades without a home loan's paperwork.

Higher studies & courses

Short courses and certifications.

Any personal need

No end-use restriction for most personal loans.

Eligibility

Who qualifies.

Typical lender criteria. Every bank sets its own rules, and we know which ones fit your profile.

Age
21–60 years
Income
Usually ₹25,000+ net monthly salary (varies by lender and city)
Employment
1+ year total experience, 6+ months with current employer
CIBIL score
720+ for the best rates; lower scores may qualify at higher rates
Existing EMIs
Total EMIs usually within 50–60% of net monthly income
Documents

What to keep ready.

A starting list. We'll confirm the exact set for your lender before you collect anything.

  • PAN card
  • Aadhaar card
  • Passport-size photographs
  • Address proof (utility bill, rent agreement or passport)
  • Last 3 months' salary slips
  • Last 6 months' salary account bank statement
  • Form 16 or ITR for the last 2 years
  • Self-employed: ITR and 12 months' bank statements
  • Statements of existing loans, if any
Why use a consultant

What we do that a bank won't.

01

Pre-approved isn't always best

Your bank's pre-approved offer is quick but often not the cheapest. We compare before you click accept.

02

Fees in the open

Processing fees can run to 2–3% of the loan. We compare the full cost, not just the rate.

03

Protect your CIBIL

Applying to many lenders yourself can lower your score. We shortlist first and apply where approval is likely.

FAQ

Personal Loan questions.

How quickly can I get a personal loan?
With complete documents and a good profile, many lenders sanction within 24–48 hours and disburse soon after. Timelines vary by lender and verification.
Do I need collateral or a guarantor?
No. Personal loans are unsecured; approval is based on your income, employer and credit history.
Can I prepay a personal loan?
Most lenders allow foreclosure after a lock-in period, often 6–12 EMIs, and some charge 2–5% of the outstanding amount. We'll flag lenders with lower or no foreclosure charges.
Will checking offers affect my CIBIL score?
Each formal application creates a hard enquiry, and several in a short time can lower your score. That's why we shortlist lenders before applying.

Talk to Nandini about your personal loan.

21 years, 70+ lenders, one conversation. Free, and no obligation.

Call 9881139990 Send an enquiry

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