Make Your Dreams a Reality with the Right Financial Assistance
Have you ever found yourself in a situation where your dreams were within reach,
but financial constraints held you back? Whether it's an exciting vacation,
an overdue home makeover, or a major purchase, sometimes you need a little
extra financial support.
Bank Name
Salary
Rate of Interest
Loan Tenure
Loan Amount
CIBIL Score
Apply Now
HDFC Personal Loan
₹25,000+ / Month
10%
48 Months
₹5,00,000
750
ICICI Personal Loan
₹30,000+ / Month
9.5%
60 Months
₹10,00,000
780
Axis Personal Loan
₹25,000+ / Month
11%
36 Months
₹8,00,000
720
What is a Personal Loan?
A Personal Loan is a product where you borrow a certain amount from a lender and repay them within the fixed tenure. Interest rates depend on your credit profile. Unsecured loans do not require collateral.
How Does a Personal Loan Work?
A personal loan provides a lump sum of money to use for personal expenses and repay in EMIs.
Personal Loan Application
Eligibility and Credit Check
Loan Approval & Disbursement
Repayment Terms
Monthly Payments
Prepayment & Penalties
Completion of Loan
Features of a Personal Loan
Loan Amount: Based on income & creditworthiness
Interest Rate: Fixed or variable
Loan Tenure: 12–60 months
Repayment: Monthly EMIs
Credit Check: CIBIL & repayment history
Prepayment: Early closure (charges may apply)
Eligibility Criteria
Age 21–60 years
Minimum CIBIL Score 700
Stable income
Minimum 6 months job continuity
Salaried & Self-employed eligible
Required Documents
📄 Salaried Individuals
KYC (Aadhar, PAN)
Last 3 Months Salary Slip
Form 16 / ITR (if applicable)
Bank Statements (3 months)
Employment Certificate
📑 Self-Employed Individuals
KYC
Income Tax Returns (2 years)
Balance Sheet & P/L Statement
Business Proof & GST
Frequently Asked Questions
1. What is a personal loan?
An unsecured loan to meet personal financial needs like travel, weddings, medical emergencies.
2. How does it work?
Borrow a fixed amount and repay in EMIs over a chosen tenure.
3. Uses of personal loan?
Travel, medical emergencies, weddings, renovations, debt consolidation, etc.
4. How to qualify?
Meet eligibility criteria including income, age & CIBIL score (typically 700+).
5. Secured vs Unsecured?
Secured loans need collateral; unsecured loans do not. Personal loans are unsecured.
