Personal loans for real needs
Six loans, one simple promise: you see the full cost before you sign. Pick the one that matches your need and compare them side by side.
Compare all loans
Indicative ranges. Your offer depends on your credit profile, income and documents.
| Loan | Amount | Tenure | Rate p.a. | Best for |
|---|---|---|---|---|
| Salaried Personal Loan | ₹50,000 – ₹25 lakh | 12 – 60 months | 10.99% – 18.5% | Steady monthly income |
| Self-Employed Loan | ₹1 – ₹20 lakh | 12 – 60 months | 13% – 22% | Business owners and professionals |
| Medical Emergency Loan | ₹30,000 – ₹10 lakh | 6 – 48 months | 11.5% – 20% | Planned or urgent treatment |
| Wedding Loan | ₹1 – ₹15 lakh | 12 – 60 months | 12% – 21% | Wedding planning |
| Education & Skill Loan | ₹50,000 – ₹10 lakh | 12 – 60 months | 11.5% – 19% | Courses and certifications |
| Home Renovation Loan | ₹1 – ₹15 lakh | 12 – 60 months | 11.5% – 20% | Repairs and upgrades |
Salaried Personal Loan
For employees of private, public and government organisations. Appraisal uses your salary credits and bureau score.
Who can apply
- Salaried at a private company, public sector unit or government body
- Minimum monthly take-home of ₹20,000
- At least 1 year of total work experience
- Bureau score of 700 or above is preferred
Key features
- No collateral and no guarantor needed in most cases
- Fixed monthly EMI on a reducing balance
- Part-payment and foreclosure as per RBI rules
- Choose a tenure that fits your salary cycle
Documents
- PAN and address proof (Aadhaar, passport, voter ID or driving licence)
- Last 3 salary slips
- Last 6 months' bank statement of your salary account
- Recent photograph
What to use it for
Planned purchases, travel, moving costs, consolidating costs, and everyday goals. Please see the permitted purposes in your KFS.
Self-Employed Loan
Shopkeepers, professionals and small business owners who can show income through ITR and bank statements.
Who can apply
- Self-employed professional such as doctor, CA, architect or consultant, or a business owner
- At least 2 years in the same business or practice
- Filed income tax returns for the last 2 years
- Stable credits in the business bank account
Key features
- Income assessed on ITR and bank statements
- Can be used for personal needs, not as business working capital
- Transparent charges and a full repayment schedule
- Part-payment allowed as per your KFS
Documents
- PAN and address proof
- Last 2 years' ITR with computation of income
- Last 12 months' bank statement of the main account
- Business proof such as GST, Udyam or professional registration
What to use it for
Personal needs of the borrower and family. This loan is not meant for business working capital.
Medical Emergency Loan
Hospital bills, surgery and treatment. Keep your hospital estimate or bills handy. We will tell you the expected timeline when you apply.
Who can apply
- Salaried or self-employed meeting the basic criteria
- Treatment for yourself, spouse, children or parents
- A hospital estimate or doctor's advice available
- Bureau score of 700 or above is preferred
Key features
- Priority handling when documents are complete
- Shorter tenures from 6 months to keep interest low
- Disbursal to your own bank account so you can pay the hospital
- No hidden charges, all fees shown in the KFS
Documents
- Standard KYC and income documents for your profile
- Hospital estimate, treatment plan or doctor's prescription
- Relationship proof if the patient is a family member
What to use it for
Medical treatment and related costs. For insurance-covered treatment, check your cover first.
Wedding Loan
Spread wedding costs over predictable EMIs instead of draining your savings.
Who can apply
- Salaried or self-employed meeting the basic criteria
- Wedding of yourself, a sibling or your child
- Stable income to carry the EMI comfortably
- Bureau score of 700 or above is preferred
Key features
- Plan EMIs before you book vendors
- Tenure up to 60 months
- No collateral
- Know your total cost upfront with the KFS
Documents
- Standard KYC and income documents
- Wedding card or venue booking if available
What to use it for
Wedding-related expenses. Avoid borrowing for more than you can repay comfortably.
Education & Skill Loan
Course fees, certifications and upskilling for yourself or an immediate family member.
Who can apply
- Salaried or self-employed borrower, or a co-applicant with income
- Admission or enrolment in a recognised course
- Course fee demand letter available
- Bureau score of 700 or above is preferred
Key features
- Useful for short courses and certifications not covered by education loans
- Tenure up to 60 months
- Disbursal to your own account
- Part-payment as per your KFS
Documents
- Standard KYC and income documents
- Admission letter or fee demand from the institute
What to use it for
Fees for courses, certifications and skill programmes. Check if a government or bank education loan scheme suits you better.
Home Renovation Loan
Repairs, painting, furnishing and appliances, paid over a tenure you choose.
Who can apply
- Salaried or self-employed meeting the basic criteria
- Owner or co-owner of the home, or a tenant with the owner's consent
- Quotation or estimate from a contractor
- Bureau score of 700 or above is preferred
Key features
- Unsecured, so you do not pledge the property
- Tenure up to 60 months
- Know the full cost before you commit
- Part-payment as per your KFS
Documents
- Standard KYC and income documents
- Contractor estimate or quotation
- Proof of residence
What to use it for
Repairs, painting, furniture and appliances for your home.
Which loan is right for me?
| If this is you | Consider |
|---|---|
| I earn a monthly salary and want a general-purpose loan | Salaried Personal Loan |
| I run a shop, clinic or small business | Self-Employed Loan |
| I need money for hospital bills | Medical Emergency Loan |
| A wedding is coming up | Wedding Loan |
| I want to do a course or certification | Education & Skill Loan |
| I am repairing or furnishing my home | Home Renovation Loan |
Ready when you are
Work out your EMI, read the terms, and apply only when the numbers feel right. Our team will explain anything you are unsure about.