Flexible Personal Loan Plans
Secure funds for life’s important moments — with speed, transparency, and support that fits your financial reality.
1. Loan Features & Benefits
- Loan Amounts: ₹50,000 to ₹25,00,000
- Tenure Options: From 6 months to 5 years
- Interest Rates: Competitive rates based on applicant profile (starting from 10.75% p.a.)
- Repayment Flexibility: Choose between fixed or reducing balance EMIs
- Prepayment/Foreclosure: Available with low or zero charges
- Top-Up Loans: Quick access to additional funds during your existing loan cycle
- Zero Collateral: No asset or guarantor required for most applicants
- Digital Processing: Online application, e-KYC, and instant status updates
2. Eligibility Criteria & Documentation
We offer inclusive personal loan access to salaried professionals, self-employed individuals, and freelancers.
Eligibility Guidelines:- Age: 21 to 58 years
- Monthly Income: Minimum ₹20,000
- Employment: Minimum 6 months with current employer or 1 year in business
- Credit Score: Preferably 650+ (but flexible on case basis)
- PAN Card
- Aadhar Card or valid address proof
- Salary slips (last 3 months) or bank statements (6 months)
- Employment certificate or business registration proof
- Recent passport-size photograph
- Income Tax Returns
- Existing loan account statements
3. Use Cases & Real-Life Scenarios
Our flexible personal loan plans can support a wide variety of life goals — whether planned or unexpected.
- Education Support: Fund tuition, exam fees, or overseas studies
- Medical Expenses: Cover surgeries, hospitalizations, and emergencies
- Home Renovation: Redesign, repair, or upgrade your living space
- Debt Consolidation: Merge multiple EMIs into a single, manageable payment
- Travel & Lifestyle: Finance dream vacations or major purchases
- Family Events: Arrange weddings, celebrations, or festivals with ease
- Business Cushioning: Temporarily cover small business needs or cash flow gaps