Your Life, Your Plans, Your Loan.

Life doesn't wait for perfect timing. Whether it's a planned expense or an unexpected need, a personal loan gives you the financial flexibility to manage life on your terms. Unlike specific-purpose loans, personal loans come with no restrictions on usage.

Common Uses for Personal Loans

Life Milestones & Improvements:

• Wedding Expenses: Cover ceremonies, venues, celebrations

• Home Renovation: Kitchen upgrades, room additions, repairs

• Dream Vacation: Fund family trips or bucket-list adventures

• Medical Emergencies: Bridge insurance gaps or elective procedures

Financial Management:

• Debt Consolidation: Combine multiple high-interest debts into one manageable payment

• Big-Ticket Purchases: Electronics, appliances, furniture

• Education Costs: Tuition fees, courses, certifications

• Business Startup Capital: Initial funding for small ventures

Unexpected Needs:

• Emergency Repairs: Car breakdowns, home damage

• Relocation Costs: Moving expenses, deposits

• Tax Payments: Settle unexpected tax liabilities

• Family Emergencies: Immediate financial support

4. Eligibility Criteria

Who Can Apply:

• Age: 21-60 years (salaried), 25-65 years (self-employed)

• Employment:

  • Salaried: Minimum 2 years work experience, 6 months with current employer

  • Self-employed: Minimum 3 years in business

• Income:

  • Salaried: Minimum ₹25,000/month net income (varies by city)

  • Self-employed: Minimum ₹3 Lakhs annual profit

• Credit Score: 750+ for best rates, 650+ for consideration

• Residency: Indian citizen with valid address proof

Documentation Required:

• Identity Proof: Aadhaar, PAN, Passport, Driving License

• Address Proof: Utility bills, Rental agreement, Aadhaar

• Income Proof:

  • Salaried: Last 3 months salary slips, 6 months bank statements

  • Self-employed: Last 2 years ITR, business financials, 6 months bank statements

• Employment Proof: Employee ID, Business registration

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