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EMI Calculator
Monthly EMI : ₹ 1,701
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.
Super fast Processing | No Collateral | Fair Interest Rates
Paperless Process
No documentation, no lengthy forms to fill out, just a paperless process.
Check EligibilitySuper fast Processing | No Collateral | Fair Interest Rates
Zero Collateral Required
Unsecured loans, no need to submit collateral and property for security.
Check EligibilitySuper 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.