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35
Banks/NBFCs
4 Million+
Customers
5 Years
In Operations
Personal Loans in Kolkata
*The figures provided in the table are indicative subject to change from time.
Apply online in less than two minutes
We will review your application and give you a decision within minutes
Receive the loan amount within two days.
Good Credit
Score
Above 21 years of
age
Salaried
professional
Resident of
India
Valid Bank
Account
PAN Card and Voter
ID Card/Driving License
Bank Statements for
the last three months
Salary Slip for last
three months
Frequently Ask Questions
Q. How much can I borrow and for how long?
A. You can get personal loans starting from Rs. 25,000 up to Rs.25 lakhs for 1 to 5 years.
Q. Can I repay my loan early?
A. Yes, you can pre-pay your loan as and when you want.
Q. How does Indialends assess my credit worthiness and how long does this take?
A. Each consumer wishing to borrow on the Indialends portal will need to go through a rigorous verification and credit assessment process. The assessment is based on information collected from various data sources like the application form, credit bureaus, bank statements, pay slips, verification reports, social media, etc. The above process is automated and happens within seconds. Hence, you can get an approval shortly after you submit your application.
Q. Why was my application rejected?
A. The reason your application was rejected was because your credit profile did not match the criteria stipulated in the Indialends policy at the time. However, Indialends might be able to approve your application at a later date, if by then your credit file has improved or there have been changes in the Indialends credit policy.
Q.What is my repayment schedule?
A. Repayment of the loan will happen monthly on an EMI (equated monthly installment) basis where the amount will be calculated based on amortizing balance. One or two of the installments might be different which will depend on the timing of the loan.
Q. What happens in the case of a missed payment or non-payment by a borrower?
A. If the monthly payment for a borrower is delayed for any reason, a penalty fee and penal interest might be charged to the borrower. The borrower’s credit file will also get impacted which will restrict him / her to get credit in the future. Legal action may also be taken against the borrower.
Q. What information is shared with the lenders browsing through the profiles?
A. Lenders will have the ability to view detailed profiles of the borrowers, information like financial information, employment information, etc. The personal information of the borrower remains protected as per our privacy policy.
Q. How do I alter my loan request?
A. Loan requests can only be cancelled prior to loan disbursal. In case you want to make any changes to your request please reach out to support@indialends.com. The support team will help you in making the modifications.
Q. How can I make monthly payments?
A. You can pay your EMIs using electronic transfer of funds, ECS.
Q. How will you disburse the loan amount?
A. Soon after the loan is approved, the funds will be transferred right into your bank account.