Personal Loan
Wedding, medical bills or a family trip? Get the funds in 3–5 working days.
We compare lenders for your salary and CIBIL score, handle all the paperwork and get the money into your account. No collateral needed.
EMI calculator
See your personal loan EMI.
A quick estimate based on the amount, tenure and rate you expect, not a sanction, but a fair starting point before we check your eligibility.
Your estimated EMI
Indicative only: your actual rate depends on the lender and your profile.
| Year | Principal paid | Interest paid | Balance |
|---|---|---|---|
| Year 1 | ₹1,20,149 | ₹1,00,746 | ₹6,79,851 |
| Year 2 | ₹1,37,411 | ₹83,484 | ₹5,42,441 |
| Year 3 | ₹1,57,153 | ₹63,741 | ₹3,85,287 |
| Year 4 | ₹1,79,732 | ₹41,162 | ₹2,05,555 |
| Year 5 | ₹2,05,555 | ₹15,339 | ₹0 |
Personal loan eligibility
Who we work with.
None of these is a strict cut-off on its own. A weaker point in one area is often balanced by a stronger one in another.
Net monthly income
₹30,000 or more, whether salaried or drawn from your business.
CIBIL score
700 or above gives you the widest choice of lenders.
Age
21 to 60 years, from application through to loan maturity.
Existing obligations
Sanction letters for any current loans, plus 6 months of salary account statements.
Not sure how much you can borrow? We'll find the right lenders for you.
Share your salary slips and existing EMIs. We review your profile, match it with the lenders best suited to it, and handle the application for you.
Personal loan documents
The documents we'll need from you.
Three groups, no audited financials. If you're salaried, you probably have all of it already.
Identity
- PAN card
- Aadhaar
- Current address proof
Income
- Last 3 months' salary slips
- Form 16, or last 2 years' ITR
- Directors: salary or remuneration proof from the company
Banking
- Last 6 months' statements for the salary account
- Sanction letters for any current loans
How a personal loan works
Four steps to disbursal.
On a call or on WhatsApp: PAN, Aadhaar, your last 3 months' salary slips and bank statements.
A soft check first, then we shortlist the lenders most likely to approve you at the best rate.
Every form and every follow-up with lenders, taken care of.
The loan is sanctioned, we go over the terms with you, and the money is credited to your account.
Personal loan FAQs
Questions you might have…
Our first check is a soft enquiry and leaves no mark. A hard enquiry happens only once you agree to go ahead. We apply only where your profile fits, instead of at a dozen places that can hurt your score for months.
It depends on your income, your CIBIL score and your existing loans. The calculator on this page lets you try any rate in our partners' range. We tell you the actual rate once we have seen your documents, before anything is submitted.
Usually yes. Lenders look at your total EMIs against your income rather than the number of loans, so an existing EMI reduces how much you can borrow but rarely rules you out. Bring your sanction letters and we will work out how much more you can take.
Most lenders allow foreclosure after a minimum number of EMIs, typically six to twelve. The charge ranges from nil to about 5% of the outstanding amount, depending on the lender, and it is one of the terms we compare for you.
We are paid a commission by the lender on a completed disbursal. Our fee structure is stated upfront and nothing is deducted without your sign-off first.
Most approved loans are disbursed in 3 to 5 working days once your documents are complete. The paperwork is the slow part, which is why the document list is on this page and not sent to you a week later.
Ready when you are
Share your details. We'll find the right lenders.
One call, a document list on WhatsApp or email, and an honest assessment before anything is submitted.
Response within one working day.