Once your application is submitted and documents are verified, our team provides an in-principle decision subject to eligibility and credit assessment — no unnecessary delays.
A personal loan for household needs comes with multiple features designed to make the borrowing process straightforward. Some key features are as follows.
Once your application is submitted and documents are verified, our team provides an in-principle decision subject to eligibility and credit assessment — no unnecessary delays.
Repay via EMIs over a flexible tenure of 3 to 12 months. Pre-close at any time with zero pre-closure charges. A NOC is issued upon full repayment.
No assets required as collateral. The loan is approved as an unsecured personal loan based on your income, CIBIL score, and creditworthiness.
All charges — processing fee (2% + GST), APR (15%–34% p.a.), and any applicable penalties — are disclosed upfront in the Key Fact Statement before you sign. No fee is collected before disbursal.
Timely repayment of your personal loan is reported to credit bureaus (CIBIL, Experian), which can positively improve your credit score over time.
APR ranges from 15% to 34% per annum depending on your credit profile. A good CIBIL score and stable income can help you get a more competitive rate.
Follow these straightforward steps to apply online — the entire process is paperless and can be completed from your phone or computer.
The eligibility criteria depend on your income, credit score, age, employment type, and documentation. Meeting these criteria does not guarantee approval — all applications are subject to credit assessment.
| Age | 21 to 60 years |
| Income | Minimum ₹40,000 per month (net take-home salary) |
| Credit Score | 650 or above (CIBIL score) |
| Documents Required | Aadhaar Card, PAN Card, last 3 months' salary slips, last 6 months' bank statements, passport-size photograph. All documents can be submitted digitally. |
| Employment Type | Salaried employee in a private limited company, registered company, or government organisation. |
Once your documents are verified, our team provides an in-principle decision subject to eligibility — so you can address your household needs without unnecessary delays.
All charges — processing fee (2% + GST), APR (15%–34% p.a.), and applicable penalties — are disclosed upfront in the Key Fact Statement before you sign.
Apply from your phone or computer anytime — the entire process is paperless, from application to document upload, with no branch visits required.
Upon loan approval and document verification, funds are disbursed directly to your registered bank account — so you can manage your household needs without further delay.