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Personal Loan

Personal loans are an unsecured form of credit that is popular to meet immediate requirements. It is multi-purpose in nature and therefore can be used for various purposes including wedding, home renovation, travel purposes and more. Moreover, there is no restriction for the amount borrowed and can be used for any purpose they want. In fact, a personal loan can help you build your credit faster when compared with other forms of credit. This is because of the risk it carries due to being unsecured.

The Benefits Of's Personal Loan?
No Collateral Required:

One of the benefits associated with an online personal loan is that it is unsecured in nature. This means you don’t need to pledge any collateral for your loan. Although this can be a reason for your interest rate, you can get a low-interest personal loan easily if you meet the eligibility requirements.

Minimal Documentation:

In this age of digitization, the process of verification and documentation has now become short. This is applicable for an instant personal loan as they are fast in disbursal and require minimum documents for approval.

Easy Approval:

You can get personal loans that are quick and easy in approval. This is why it is the best bet in times of financial emergency. Moreover, the process has become digital; thus reducing time in the verification process.

Multipurpose in Nature:

A personal Loan is multipurpose in nature and can be used for anything.

Personal Loan Eligibility (Create table as shown below):

Personal loans are provided by most of the banks/NBFCs but with different eligibility requirements. However, there are certain criteria that are common for all financial institutions. The eligibility criteria to get an online personal loan approval for salaried and self-employed individuals are:


21 years - 58 years

Employment Type

1. Salaried

2. Self-Employed professionals

Credit score

750 or above with a good credit history

Minimum Net Income (Monthly)
  • ₹15,000(non-metro cities)
  • ₹25,000( metro cities)
Loan Amount

Up to ₹50 lacs depending on the credit profile

Work Experience


  • Employed at current company for at least 6/12 months


  • Business tenure of at least 3 years (continuous)
  • ITR of last 3 years