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*PF & GST -Processing Fee & GST , ROI - Rate Of Interest,
EMI - Equated monthly Installment
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Based on your net Take Home salary and loan amount


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* Rates are subjected to change.
* Rates are indicative only. Final rates may depends on the customer profile.

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Now apply for a Personal Loan online, All you need to do is provide your details below application form.

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About Personal Loan

A loan that is offered by a bank or financial institution to fund a personal expense such as home renovation, vacation, a wedding in the family, etc.

  • The loan can be repaid over a period of 12 to 60 months.
  • Personal loans are unsecured and hence there is no need for security, collateral or guarantors required to obtain them.
  • They are usually approved within 5 working days.
  • Some banks offer a top-up to the existing loan but this facility is not available with all of them.

Purpose of Loan

Wedding Purpose

You have an upcoming Marriage in your family or your marriage and you need some urgent funds. No need to sell/pledge your property or Gold. Option for a Marriage Loan and payback over a period with easy EMIs.

Home Renovation

You want to correct Vaastu, repair the ceiling, wiring plumbing to your home. Go for an unsecured personal Loan with no collateral/security.

Medical Emergency

You have an unfortunate medical emergency in your family and you can't afford the treatment cost. We bring personal loans for Medical Emergency. Get instant loan from InstaEMI.

Higher Education

Want to pursue a Management course or a Master's program for yourself or your children, Our instant personal loan helps you to fund education purpose.

Features of Personal Loan

It does not take time to procure as compared to secured loan.

Simple procedure

It can be accessed with minimum documentation and does not take time to procure as compared to secured loan.

Choose your amount

Personal loans range from Rs. 1,00,000 to Rs. 40 lakhs depending on income, obligations, repayment history (if applicable) and repayment capacity.

Enjoy the best rates

Special offers for Special companies

Decide your tenure

Easy repayment option you can choose for 12 to 60 months.

Personal loan

  • 21 years
  • 58 years
  • Resident Indian/NRI
  • Rs 20,000
  • Salaried/Self-employed Professionals
  • 3 Years
  • 1 Year
  • *These are general terms only. Policy norms vary from bank to bank and customer to customer.
  • PAN Card, Passport, Driving License, Voter ID, Aadhar Card, Ration Card.
  • PAN Card, Passport, Driving License, Bank Verification Form.
  • Passport, Driving License, Voter ID, Aadhar Card, Mobile/Land Line Bill, Rental Agreement, Ration Card, Gas Bond with Bill,Sale Deed,Property Tax,Electricity Bill, Aadhar Card.
  • Latest 6 Months Bank Statement.
  • Latest 3 Months Payslips.
  • One photograph.

Frequently Ask Questions

a.The employer which is indicative of employment continuity and stability.

b. Income earned every month as per Income Tax Filing.

c. Current financial obligations, cost of living and repayment track history.

d. CIBIL (Credit Information Bureau of India Limited) score that can be generated at https://www.cibil.com/

Banks have a preferential rate of interest and processing fee, and require minimal documentation if an individual has a Salary Account with the bank that he or she applies the loan from. This is because personal loans are high-risk for the lenders and a pre-existing relationship with the bank offsets some of their concerns.

It is possible for a personal loan to be transferred to another bank. The conditions for this transfer are:

a.The outstanding amount must be at least Rs.1,00,000.
b.The tenure to be completed must be above 6 months.

Loved by customers, Trusted by experts

We’re aiming to bring back the feeling of defined benefits, and the financial peace of mind that goes with it. We envision a world where you can be confident of reaching your goals, whatever they may be.