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Personal Loan

Basic Information

What is Personal Loan?

Personal loan is a loan that can be used by an individual for any generic purpose. Some examples of end use are: Marriage / Education /Medical emergency /Home renovation / Vacation/Holiday /Consumer goods /Consolidation of other debts

Personal Loan cannot be used for Investment in stock market, Any other speculative(high risk of loss) purposes, Illegal activities


  • No Hidden Charges, Reasonable processing fees
  • Special Offers for women borrowers/Cat A Companies
  • No Security / No Collateral
  • Flexible tenures upto 72 months.
  • Interest Rates starts from 11.00% p.a*



Age limit

21 years and 58 years at the time of Closure of Loan

Min & Max Loan Amount

Min Loan Amount-1 Lac & Max Loan Amount-1 Crore


12- 72 months (Across All Categories)

Net Income

15,000  (Cheque Salary Accepted if it tallies with the salary slip)


Income <25k ,  FOIR  to be 50%,             Income 25k< 50k ,FOIR  to be 60%
Income 50k< 1 lakh ,FOIR  to be 65%,     Income >=1 Lakh,FOIR to be 70%

Cibil Cut off

Cibil Applicable to new Customer only with cut off score of 685

Min Work Experience

1 year in overall employment, for less than 1year permanent address FI needs to be conducted and same to be positive

Banking Criteria

3 months bank statement, with one Cheque bounce allowed,cheque bounce should not pertain to any loan repayment

Telephone Requirement

For Super CAT A,CAT A-Landline Post Paid or Prepaid Mobile


For CAT B/CAT C/CAT CX-Mandatory landline/Post Paid Mobile at Residence/Bill Copy to be submitted at time of login

Office Telephone Norms

Landline phone must for all


Interest Rates – Personal Loan


Interest rates on any loan plays an important part so always choose the lowest one is beneficial. Personal loan interest rates for most of the banks starts from 11.49% to 22.00%. Some banks offer special interest rates to its customer on the basis of Company, Profile, Residential status, Income per month. Banks offer lowest rates to only CAT A based company employees. So have a look at major banks personal loan interest rates below



Interest Rates

Processing Fees

Fore Closure Charges


11.29% - 20.00%

2% - 2.5% + Service Tax

Zero above 10 lakh, Otherwise 4.00%

Aditya Birla


1%  + Service Tax

After 6 M- 4%, 12M-3%, 24M-2%

Bajaj Finserv

15.00% - 16.00%

2% - 2.5% + Service Tax

Upto 4.00%

Fullerton India

14.00% - 30.00%

2% - 4.0% + Service Tax

Upto 4.00%


11.49% - 20.00%

2% - 2.5% + Service Tax

Zero above 10 lakh & 12 EMI Paid, Otherwise 5.00%

Axis Bank

12.00% - 24.00%

2% - 2.5% + Service Tax

Nil after 1st Installment

TATA Capital

14.50% - 20.00%

2% - 2.5% + Service Tax

After 1 year 4.5%

Capital First

14.00% - 45.00%

2% - 4.0% + Service Tax

Upto 4.00%

RBL Bank

14.00% - 20.00%

2% - 2.5% + Service Tax

Zero  after 12 EMI Paid

*Rate of Interest are Reducing Rate

List of Documents


  1. 2 Photos
  2. PAN Card
  3. Current Address Proof
  4. Permanent Address Proof (if required)

Income Documents

  1. Latest Six Months Bank Statement
  2. Latest 3 Months Salary Slip
  3. Job Continuity Proof (if Current Job is less then 1year)

All existing loan detail documents (Welcome Letter, Sanction Letter, Statement of loan account) If required / Any CIBIL issues - detail documents required

Ask about our low rate Personal loans?

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