Personal finance
Personal Loan for Salaried Professionals
A collateral-free loan for weddings, medical costs, travel, education or debt consolidation. Approval rests on your salary credit, employer category and credit history — no security, no guarantor and minimal paperwork.
- Interest rate
- 9.99% – 24% p.a.
- Loan amount
- ₹50,000 – ₹40 Lakh
- Tenure
- 12 – 84 months
- Processing fee
- 1% – 3% of loan amount
Features
What the personal loan gives you
- No collateral, guarantor or end-use restriction
- Digital sanction in as little as 24-48 hours
- Pre-approved offers for employees of listed and Category A companies
- Part-prepayment and foreclosure allowed after the lock-in period
- Insurance cover option bundled with the loan
Eligibility
Who qualifies
- Salaried applicant aged 21 to 60 years
- Net monthly salary of ₹25,000 or above (₹30,000 in metros)
- Minimum 6 months in current job and 1 year total work experience
- CIBIL score of 720+ for the sharpest pricing
- Salary credited to a bank account, not paid in cash
Documents
Checklist to keep ready
KYC
- • PAN card
- • Aadhaar card
- • Recent photograph
Income
- • Latest 3 months salary slips
- • 6 months salary account statement
- • Form 16 or latest ITR
Employment
- • Offer letter or employee ID
- • Company address proof if requested
Calculator
Estimate your EMI and eligibility
Indicative figures only. Your final rate depends on the lender's assessment of your credit profile, income and, for secured loans, the property.
Monthly EMI
₹16,994
- Principal
- ₹8,00,000
- Total interest
- ₹2,19,622
- Total payable
- ₹10,19,622
Your personalised explanation will appear here. Indicative only — final approval depends on the lender.
Want the full picture?
Read our written eligibility guide — how FOIR at 80% of income works, credit score bands, and eligibility checklists for all 13 loan products.
Read the Eligibility GuideFAQs
Personal Loan questions
What people search for before taking a personal loan
These are the questions and phrases borrowers in Mumbai, Thane and Navi Mumbai bring to us most often. If one of them describes your situation, our advisors have handled it before.
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- loan DSA in Mumbai
- bank loan DSA in Thane
- personal loan consultant Navi Mumbai
Ready to move on your personal loan?
Share a few details and an advisor will call you within one working day with the lenders best suited to your profile.
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