Eligibility & Documents

Who Can Apply?

  • Salaried Individuals
  • Credit Score above 700
  • Minimum income: ₹40,000/month (metro cities), ₹30,000/month (other cities)
  • Minimum 1 year of total work experience

Age Requirement

  • Applicants must be between 20 to 58 years

Required Documents


Identity Proof (Any one of the following)


Address Proof (Any one of the following)

Other Mandatory Documents:



  • Passport

  • Voter ID

  • Driving License

  • PAN Card (Mandatory)

  • Aadhaar Card (Mandatory)


  • Piped Gas Bill

  • Electricity Bill

  • Aadhaar Card

  • Last 3 months' Salary Slips

  • Last 3 months' Salary

  • Account Bank Statement


Loan Example & EMI Calculation

If Megha applies for a personal loan of ₹3 Lakhs at an 11.99% interest rate with a 5-year tenure, her EMI would be ₹6,672 per month.

  • Total repayment amount after 5 years: ₹4,00,309
  • Total interest paid: ₹1,00,309
  • One-time processing fee (2%): ₹6,000
  • Stamp duty charges: ₹500

Loan Terms & Conditions:

  • Repayment Period: 1 year to 7 years
  • Annual Percentage Rate (APR): 10.5% to 17%
  • Processing Fees: 1% to 2%
  • Stamp Duty Charges: ₹500

👉 Use Our EMI Calculator

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