Personal Loans starting at 10.25%* Interest Rates.

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Loans Disbursed

EMI Calculator

EMI Calculator for
Personal Loan
Input Loan Amount (₹)
10,000
Input Interest Rate (%)
18%
Input Tenure (months)
6
Loan Amount
10,000

Monthly EMI :1,701

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How It Works

Get your loan disbursed into your bank account in 4 simple steps.

Why IndiaLends

Choose the best offer from 70+ RBI-approved lenders. Get the funds you need precisely when you need them, with quick disbursal and seamless application.

Instant Loan Approval

Not months, not weeks, get your loan request
approved in 3 days.

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Super fast Processing | No Collateral | Fair Interest Rates

Paperless Process

No documentation, no lengthy forms to fill out, just a paperless process.

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Super fast Processing | No Collateral | Fair Interest Rates

Zero Collateral Required

Unsecured loans, no need to submit collateral and property for security.

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Super fast Processing | No Collateral | Fair Interest Rates

Rating & Reviews

The results speak for themselves, see our reviews from happy users

Awards & Recognitions

We are humbled that our work has been recognised

  • Google selected IndiaLends for the 4th edition of the Launchpad Accelerator Program, at the Google Developers Launchpad Space in San Francisco.

  • Best Emerging Tech Vendor of the Year at ET BFSI Excellence Awards 2019.

  • Gaurav Chopra, Co-Founder & CEO IndiaLends won Entrepreneur of the year 2019 by Business World.

  • SKOCH Order-of Merit Awards, 2019.

  • IndiaLends was part of Inc42's 42Next 2018, a list of the 42 most innovative startups causing an impact in the Indian startup ecosystem.

  • Mayank Kachhwaha, Co-Founder & COO IndiaLends won Forbes India 30 under 30 entrepreneur.

  • Google selected IndiaLends for the 4th edition of the Launchpad Accelerator Program, at the Google Developers Launchpad Space in San Francisco.

  • Best Emerging Tech Vendor of the Year at ET BFSI Excellence Awards 2019.

  • Gaurav Chopra, Co-Founder & CEO IndiaLends won Entrepreneur of the year 2019 by Business World.

  • SKOCH Order-of Merit Awards, 2019.

  • IndiaLends was part of Inc42's 42Next 2018, a list of the 42 most innovative startups causing an impact in the Indian startup ecosystem.

  • Mayank Kachhwaha, Co-Founder & COO IndiaLends won Forbes India 30 under 30 entrepreneur.

  • Google selected IndiaLends for the 4th edition of the Launchpad Accelerator Program, at the Google Developers Launchpad Space in San Francisco.

  • Best Emerging Tech Vendor of the Year at ET BFSI Excellence Awards 2019.

  • Gaurav Chopra, Co-Founder & CEO IndiaLends won Entrepreneur of the year 2019 by Business World.

  • SKOCH Order-of Merit Awards, 2019.

  • IndiaLends was part of Inc42's 42Next 2018, a list of the 42 most innovative startups causing an impact in the Indian startup ecosystem.

  • Mayank Kachhwaha, Co-Founder & COO IndiaLends won Forbes India 30 under 30 entrepreneur.

Representative Example:

  • Indialends through it's partner lenders offers a flexible repayment period of 6 months to 60 months. Customer can avail a personal loan from Rs 10,000 onwards. The annualized reducing interest rate ranges from 10.25% to 29.99% depending on the customer's credit profile, and lender policy.

    Representative example APR calculation: Rs.1 Lakh loan availed at interest rate of 12% with processing fee of Rs.1,000 for a tenure of 60 months. Total interest payable by customer will be Rs.33,467 and monthly EMI will be Rs.2,224.

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Frequently Asked Questions

  • A personal loan is multipurpose in nature which means that you can use the amount for any purpose. Unlike home loans or car loans, where the lender restricts the use of the amount for specific purpose, personal loans can be used for any need.

  • Apart from being multipurpose in nature, personal loans are usually security free, disbursed instantly or within a few days and can be applied for with minimal documentation. You can check pre-qualified personal loan offers for you and apply online on the IndiaLends website.

  • While the minimum eligibility criteria to apply for a personal loan in India varies from lender to lender, certain parameters are common. In general, you must be 18-65 years old, have a minimum credit score of 720 or more and a monthly income of ₹20,000 or more.

  • Contrary to popular belief, just like any salaried individual, a personal loan can be availed by self-employed individuals as well. Anyone self-employed individual who meets the minimum eligibility criteria and has ITR for the last three years of their business can get a personal loan from IndiaLends.

  • Ideally, one must have a minimum credit score of 720 to 750 to get an unsecured personal loan at reasonable rates. Since your credit score determines your creditworthiness, banks & NBFCs consider this as the predominant eligibility criteria for a personal loan.

  • Salaried individuals need to provide proof of age & identity, residency, income details, PAN and bank statements to apply for a personal loan. For self-employed individuals, apart from the basic details, the last three years’ ITR is required to apply for a personal loan.

  • Depending on your credit profile, credit score and lender, you can get up to ₹70 lakhs of personal loan amount at InfediaLends. IndiaLends generate the best personal loan offers for you from more than 70+ RBI-approved banks & NBFCs in India.

  • Depending on your credit history and lender, the interest rate that you pay on a personal loan may vary. Ideally, a better credit profile increases the chances of lower interest rates on a personal loan.

  • You can compare, select and choose from personalised loan offers from top RBI-approved lending institutions on the IndiaLends website. Here is a comparative analysis of personal loan offers from our top lending partners.

    BANK/NBFC Interest Rate(pa) Loan Amount Processing Fees Part Payment Pre-closure Charges Locking Period Tenure
    IDFC First Bank 12.00 % to 21% 1 Lakhs to 40 Lakhs Up to 2.0% of the loan amount Up to 40% of loan amount every year 5% on your principal outstanding + GST 1 Month 12 to 60 months
    HDFC Bank 11.25%- 17.75% 50k to 40Lakhs Up to 2.50% of the loan amount subject to a minimum of ₹1,999/- & Maximum of ₹25000/- Up to 25% of Principal Outstanding allowed 13-24 Months - 4% of Principal Outstanding

    25-36 Months - 3% of Principal Outstanding

    >36 Months - 2% of Principal Outstanding

    >48 months - 0%
    12 Months 12 to 60 months
    ICICI Bank 11.50% - 17.25% 50k to 25 Lakhs Up to 2.25% per annum of loan amount plus GST Not available 5% per annum of principal outstanding plus GST 6 months 12 to 60 Months
    Bajaj Finserv 12.49% -15.30% 1 Lakh to 20 Lakhs Up to 2.0% of the loan amount Normal Loan - Should be more than 1 EMI (2% + applicable taxes on part-payment amount paid) Flexi Loan - Unlimited part payment Allowed (Min. Rs. 100 ) without any charges 4% plus applicable taxes on Loan amount 1 month 12 to 60 Months
    Kotak Bank 10.75% -17.99% 1Lakh to 30Lakhs Up to 2.5% of the loan amount + GST and other applicable statutory levies - 5% of the outstanding amount + GST on principal outstanding 12 months 12 to 60 Months
    TATA Capital 11.25%-18.75% 75K- 25 Lakhs From ₹999/- Up to 3.00% of the loan amount and applicable Service Tax Part-payment up to 25% of the principal outstanding (No part-payment charges) More than 25% of the principal outstanding (2.50% part-payment charges on the part-payment exceeding 25% of principal outstanding)

    *Maximum of 50% of the principal outstanding permissible
    >6 months - 3.5% of principal outstanding

    For Loan amount >=7Lacs - NIL Preclosure

    BT - 5% of the principal outstanding
    6 Months 12 to 72 Months
    IndusInd Bank 11.50% -19.0% 1Lakh to 25Lakhs Up to 3.00% of the loan amount plus tax - Salaried: 4% of the principal outstanding after repayment of 12 EMIs. 1 Year 12 to 60 Months
    RBL Bank 11.99%- 18.0% 1Lakh to 20Lakhs 1.5% of the loan amount (Non Refundable fee of Rs 7500 Upfront, Rest at the time of disbursal) NIL NIL 12 months 12 to 60 Months
    Yes Bank 10.99% - 15.99% (BT Special rates - 10.75%) 1Lakh to 25Lakhs Up to 2.50% of the loan amount subject to a minimum of ₹999/- plus taxes • 20% Principal Outstanding for 12 – 24 months

    • 20% Principle Outstanding for 25 – 36 Months

    • 25% Principal Outstanding for 37 – 48 Months

    • 25% Principal Outstanding for 49 – 60 Months

    1% plus applicable taxes on part payment amount paid
    13 – 24 months - 4% of principal outstanding

    25 – 36 months - 3% of principal outstanding

    37 – 48 months - 2% of principal outstanding

    >48 Months - Nil
    12 months 12 to 60 Months
    Credit Saison India Starting from 13%* 50K to 5 Lac Up to 3.0% of the loan amount Not Allowed 5% on your principal outstanding + GST 6 Months 12 to 60 months
    InCred Financial Services Upto 36% p.a. Upto 10 lakhs Upto 5% of the loan amount Not Allowed Within 1 Year: 5% of Outstanding Amount + GST

    After 1 Year: 4% of Outstanding Amount + GST
    Upto 6 months Upto 60 months
  • BANK/NBFC Interest Rate(pa) Loan Amount Processing Fees
    1 Yes Bank 10.99% - 15.99% (BT Special rates - 10.75%) ₹1 lakh - ₹25 lakhs
    2 ICICI Bank 11.50% - 17.25% ₹50k - ₹25 lakhs
    3 HDFC Bank 11.25% - 17.75% ₹50k - ₹40 lakhs
    4 Kotak Bank 10.75% - 17.99% ₹1 lakh - ₹30 lakhs
    5 Tata Capital 11.25%- 18.75% ₹75k - ₹25 lakhs
    6 IndusInd Bank 11.50% to 19.00% ₹1 lakh - ₹25 lakhs
    7 IDFC First Bank 12.00 % to 21% ₹1 lakh - ₹40 lakhs
    8 Bajaj Finserv 12.49%-15.30% ₹1 lakh - ₹20 lakhs
    9 RBL Bank 11.99% - 18.0% ₹1 Lakh - ₹20 Lakhs
  • When you already have a personal loan, financial institutions offer a top-up facility that allows you to borrow additional funds over and above your existing loan. Although the interest rate for a top-up loan may be slightly higher than that of a regular personal loan, it provides you with the convenience of accessing extra funds without applying for another personal loan.

  • With a balance transfer, you can pay off your current loan by availing yourself of a new loan at a lower interest rate. This way, you can reduce your overall interest burden. However, please keep in mind that there may be a fee associated with transferring your personal loan balance .

  • A personal loan EMI calculator allows you to calculate the EMI amount you will need to pay every month for a personal loan. All you have to do is enter the desired loan amount, the tenure and the rate of interest to calculate EMI amount.

  • IndiaLends is India’s most reliable online marketplace for personal loan offers from more than 70+ RBI-approved banks & NBFCs. This means that you can get and apply for the best pre-qualified personal loan offers all in one platform online with minimal documentation, 100% online processing and 24x7 customer assistance.

  • All you must do is visit the IndiaLends website and click on the Personal Loan tab. You can fill up the basic details to check the best offers for you from top RBI-approved banks & NBFCs and then apply for an offer of your choice by providing the necessary documents.

  • Before applying for a personal loan, you must ensure a good credit score. Besides, it is also important to consider your purpose for the loan, understand the rates of interest and assess your ability to repay the loan in due course.

  • A loan against a credit card is provided to customers who already have a credit card from a banking institution. Ideally, loans against credit cards are pre-approved, although the amount may be restricted depending on your credit card limit. A personal loan, however, offers more flexible borrowing options, including higher amounts, flexible repayment tenures, lower interest rates, etc.

  • A good credit score indicates good creditworthiness and confirms your basic eligibility to get a personal loan. In other words, a good credit score indicates that you have taken credit products in the past and have regularly paid them back without any overdue.

  • The best way to get the lowest personal loan interest is by maintaining a good credit profile. You can compare your available loan offers on the IndiaLends platform and apply for the one with the lowest interest rates.

  • You can quickly check your personal loan eligibility on the IndiaLends website. Simply fill out the short form provided above and submit it online to check your personal loan eligibility and available personal loan offers in a few clicks.