Meet your everyday financial requirements with a quick personal loan. Whether it’s for medical expenses, travel, education, weddings, or emergencies, our personal loans offer fast approval, minimal paperwork, and flexible repayment options.
Personal Loan fees and charges may vary depending on the lender, applicant profile, credit score, and loan amount. However, the following table provides a clear overview of the common personal loan charges in India, helping you plan better before applying.
Loan Processing Fee: Typically ranges from 0.5% to 4% of the loan amount
Loan Cancellation Charges: Usually between ₹3,000 to 5% of the loan amount
Stamp Duty Charges: Applicable as per state laws and loan value
Legal & Documentation Fees: Charged as per actuals, if applicable
Penal Charges: Around 2% per month on overdue EMIs
EMI / Cheque Bounce Charges: Approximately ₹499 to ₹599 per instance
To qualify for a Personal Loan, applicants must meet the following eligibility conditions:
Age: Between 21 to 60 years
Minimum Income:
Salaried Individuals: ₹15,000 per month
Self-Employed Individuals: Minimum ₹20 lakhs annual turnover
Employment Stability: Continuous employment or stable business income
Debt-to-Income Ratio: Should be within acceptable limits
Credit Score: A good CIBIL score improves approval chances
Repayment History: Clean and timely repayment track record
Residency: Must be a Resident Citizen of India
Stay informed with the latest loan rates, eligibility tips, and expert guidance.
Our goal is to simplify finance, build long-term relationships, and help our clients achieve their personal and business goals with confidence.
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