Personal Loan
Most PopularUnsecured borrowing for any purpose — fast, flexible, and the most expensive money most people borrow.
- No collateral required and no asset at risk
- Fast approval, frequently the same day
- No restriction on end use
Personal Loan
Funds made simple
- Multiple Lenders
- Eligibility Check
- Competitive Rates
- End-to-End Support
What are you looking to fund?
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Personal Loan
Funds made simple
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Wedding Loan
Celebrate with ease
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Travel Loan
Explore your world
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Personal Loan Top-Up
More funds on your running loan.
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Medical Emergency Loan
Help in crisis
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Overdraft Facility
Cash when needed
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Debt Consolidation Plan
One EMI, peace of mind
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Pension Loan
Credit against your pension.
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Balance Transfer
Switch & save
Choose the right loan
Travel Loan
Borrowing for a holiday — legitimate for a once-in-a-lifetime trip, expensive as a habit.
- Funds a trip without liquidating investments
- Fast disbursal ahead of booking deadlines
- Fixed EMI over a defined tenure
Wedding Loan
A personal loan for a wedding — with an honest conversation about the size of it.
- Fast disbursal aligned to vendor payment schedules
- No collateral required
- Fixed EMI so the repayment is predictable
Plan Today. Own Tomorrow.
Why Personal Loan?
- No collateral required and no asset at risk
- Fast approval, frequently the same day
- No restriction on end use
- Fixed EMI over a defined tenure, so the cost is predictable
- Far cheaper than revolving credit card debt
More than Loans A Partner for Life
What's Included?
- Any lawful personal purpose
- Debt consolidation, including credit card balances
- Medical, education, travel and wedding expenses
- Home improvement where no property loan is taken
- Tenures from one to six years
Things to Keep in Mind
- Speculative investment, which lenders prohibit
- Processing fee, typically deducted from disbursal
- Any tax deduction — personal loan interest is generally not deductible
- Amounts beyond what your income and obligations support
- Prepayment without charge, on many fixed-rate personal loans
Compare Popular Loans
| Plan |
Personal Loan
|
Travel Loan
|
Wedding Loan
|
Debt Consolidation Plan
|
|---|---|---|---|---|
| Best for | Funds made simple | Explore your world | Celebrate with ease | One EMI, peace of mind |
| Interest from* | 10.5% | 11% | 10.75% | 10.5% |
| Rating | 4.2 | 3.9 | 4.0 | 4.4 |
| Details | View | View | View | View |
*Indicative starting figures; the final terms depend on your profile.
Compare PlansAlready have a loan?
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We're Here Till Your Last EMI.
Frequently Asked Questions
View All FAQsIs a personal loan a bad idea?
Not inherently — it is a legitimate instrument for a defined need where no cheaper option exists. What makes it a bad idea is using it because it is easy rather than because it is right. Check for a secured alternative first: a home loan top-up or a loan against securities is typically half the cost.
What credit score do I need?
There is no fixed threshold, and it varies by lender, but the score drives the rate more than any other factor. The spread between the best and worst bands on the same loan is very wide. If your score is recoverable in a few months, waiting is often worth more than shopping lenders.
Should I apply to several lenders to compare?
No. Each formal application creates a hard enquiry on your credit file, and a cluster of them makes you look like a distressed borrower and reduces your chance of approval. Get eligibility assessed first, then apply to one or two.
Can I prepay a personal loan?
Usually, but often with a charge — unlike floating-rate secured loans where RBI rules prohibit it. Many lenders also impose a lock-in for the first six or twelve months. Check both before signing if you intend to clear it early.
Is the interest tax deductible?
Generally not for personal use. Where the funds are demonstrably used for business purposes, or for the purchase or construction of a house, a deduction may be available — but you need documentation of the end use to support it.
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