YOU COULD GET UP TO ₹ 25 Lakh 
NO PAPER WORK REQUIRED IN APPROVAL
SIMPLE APPLICATION PROCESS
NO HIDDEN EXTRAS
SAFE AND SECURE
SAME DAY APPROVAL
PERSONAL LOAN

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OVERDRAFT
HOW TO APPLY
STEP 1
STEP 2
STEP 3
SIMPLE APPLICATION PROCESS
SAME DAY ONLINE APPROVAL
NEXT DAY DISBURSAL
Simple Online Form
Receive Same day approval
Amount discursal same day or next day

PERSONAL LOAN

Low interest rate personal loans from a wide range of lenders

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.

All in all, a personal loan can offset any temporary financial crisis.

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. 

Features and benefits

Multipurpose in nature

It is multipurpose in nature and can be used for anything. Other forms of credit when taken are for a specific purpose and can be used only for the same. For example, a home loan is used for purchasing a house whereas a car loan is taken to buy a car. However, a personal loan can be taken to offset any immediate requirements.

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.

Minimal Documentation

In this age of digitisation, 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.

Personal Loan Eligibility

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:

  • Age - 21 years – 55 years

  • Employment Type  -  Salaried

  • Credit score - 750 or above with a good credit history

  • Minimum Net Income  - ₹ 20,000 (In - Hand Salary)

  • Loan Amount - Up to ₹40 lacs depending on the credit profile

  • Work Experience  - Salaried Employed at current company for at least 6/12 months

OVERDRAFT (FLEXI LOAN)

Flexi Loans are the new way of borrowing funds in India, where you get access to a pre-approved loan limit based on your credit rating. Borrow funds whenever you need them and prepay when you have additional funds in hand. Also, pay interest only on the amount you utilize out of the borrowed amount, and get the option to pay just the interest amount as your EMI for first year.
 

Flexi Loans are available for salaried individuals, self-employed individuals, professionals and businessmen. Find out more about our Flexi Loans, what they have to offer and how you can benefit from them, here.

Features and benefits

Only interest as EMI

Choose to pay only interest as EMI, which reduces EMI amount by up to 45%.

Free part-prepayment

Part-prepay your personal Loan whenever you have surplus funds, without any extra charge.

No multiple applications

Just withdraw money from your loan account and transfer it to your bank.

Online Transactions

Withdraw and part-prepay funds through the online customer portal, Experia.

Interest charged daily

Interest charged on a daily basis, as per amount utilized at the end of the day.

Multiple withdrawals

Multiple withdrawals, without any additional documentation or charges.

Eligibility Criteria

For Salary Individuals

You should be between 25 to 55 years old

You should be a salaried employee of either an MNC, public, or private company.

You should be an Indian citizen.

Visit

D-22, D Block, Sector 3

Noida - 201301, U.P. India

Call

+91 98715 27160

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