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About Personal Loan

A personal loan is money you borrow for just about any purpose, including debt consolidation, an unexpected medical bill, a new appliance, a vacation, or even a student loan. You pay the money back—including interest—in monthly installments over time, usually two to five years, Most personal loans are unsecured, meaning they are not backed by collateral.

How to Qualify for a Personal Loan

There are many steps to take to qualify for a personal loan, with the first being to make sure that it’s right for you. For example, if you want to borrow money to remodel your house or buy a car, a home equity loan or an auto loan may come with a lower interest rate. Unlike unsecured personal loans based solely on your creditworthiness, these loans are secured by the home you want to fix up or the car you want to buy.

Although paying for a family vacation or consolidating debt fits into the personal loan category, you may also want to check into a 0% introductory APR credit card. If you go that route, however, be sure that you can pay off the balance before the 0% rate expires.

Decide How Much to Borrow

Remember that when you borrow money, you don’t just pay back the original loan. Except for that 0% card, paid off on time, you also pay interest or “rent” on the money you borrow. There’s no reason to pay interest on money you don’t need, so only borrow what is necessary. On the other hand, if you borrow less than you need, you may be forced to turn to more-expensive loan sources at the last minute.

Finally, make sure you can afford the payments on the amount you do borrow. There’s nothing worse than overextending yourself financially if the best thing would have been to wait a while until your finances improve.

Check Your Credit

As personal loans rely heavily on your creditworthiness, check your credit scores and obtain updated credit reports from each of the three major credit reporting agencies—Equifax, Experian, and TransUnion—before you apply. None of these actions, referred to as soft inquiries, will impact your creditworthiness or credit score. That only happens when you apply for a loan and the lender makes what’s known as a hard inquiry.

You can obtain a free credit report from each of the major reporting agencies once per year by visiting Many credit card and loan companies provide a free monthly credit score from one or more of the major credit reporting agencies. Services such as Credit Karma offer free credit scores, credit reports, and other financial services. Some, like Credit Karma, are actually free. Others offer a free trial then charge an ongoing fee. You can also pay for your credit score from the credit reporting agencies or from other online vendors.

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Frequently Ask Questions

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Tenure up to 8 years
No security / collateral required
Easy repayment through Equated Monthly Instalments (EMIs)

Meeting personal expenses like holiday, buying a smartphone etc.
Meeting personal / social expenses like expenses incurred during a wedding etc.
To tide over an medical emergency / sudden loss
Buying a gift for your loved ones

Salaried Individuals
Self-Employed Individuals engaged in the business
Self-Employed Professionals like aCA, a doctor, an architect etc.
Person above 21 years of age up to 65 years of age
For salaries, age between 21 to 60 years
For Self Employed, age between 21 to 65 years

Loan amount range from Rs.50,000 up to Rs.50 Lacs
For Salaried, Rs.50,000 to Rs.25 Lacs
For Self-Employed, Rs.1 Lac to Rs.50 Lacs
Depends on the salary drawn or monthly income, in case of self employed
Minimum Income of Rs.20,000 and above per month

At, we care about how you manage your money and therefore, we request you to note the following points before you avail the loan, so that you can make the right choice.
Check the Interest rates and other service charges like processing fee, prepayment charges, foreclosure charges as indicated by the providers
Your CIBIL Credit Rating Score and credit history, a high CIBIL Credit Score with no default on payment can help you get approvals quickly and / or lower interest rates / charges

Identity Proof
Passport, Voter ID, Driving License, PAN Card, Photo attested by Banker, Adhar card

Date of Birth
Birth Certificate, Passport, secondary school Certificate, PAN Card

One latest Passport size

Residence Proof
Electricity Bill, Title Deed, Municipal Tax Receipt, Share Certificate (with Flat No),Adhar card
Registered Rent agreement (with utility bill), Land line bill,Post Paid Mobile Bill, Bank state., Passport, Driving License, Voter ID, company letter head(signed by HR or Admin)
Land line bills (Optional as per policy), Relationship Proof ( if bill is of relation as specified)

3 Latest salary slips, Bank Statement of last 6 months, Form 16

Signature verification from bank, Passport, Driving License, PAN Card

Current Employment
Appointment letter and company ID Card

Total Employment
Salary Slip with DOJ, Form 16 of current & previous cos , Previous company Appointment / relieving letter

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