Institutional Credit Facility
Personal Loan
High-quantum unsecured capital matched with prime lending desks.
Zero-collateral personal credit lines structured for medical emergencies, debt consolidation, family milestones, and capital liquidity.
Check Eligibility4-hour callback · No CIBIL impact
Starting Rate
10.50%p.a.
Facility Ceiling
Up to ₹50 Lakh
Tenure Horizon
1–7 Years
Processing Fee
0.50% to 1.50% of facility
Advisory Transparency
Facility Suitability at a Glance
We decline mandates where other credit structures serve the client better.
Recommended For
- •Salaried professionals needing immediate liquidity without collateral
- •Borrowers looking to consolidate high-interest credit card debt into a single lower EMI
- •Individuals with a CIBIL score of 720+ seeking rapid 24-to-48 hour disbursal
- •Families planning milestone medical or educational expenditures
Not Recommended For
- •Borrowers seeking facilities exceeding ₹50 Lakhs (consider LAP instead)
- •Applicants with sub-650 credit scores or unresolved loan defaults
- •Speculative investments in high-risk securities or crypto assets
Live Credit Desk Benchmarks
Updated September 2026 · Wholesale BandingInstitutional Partner Comparison
| Lending Institution | Indicative Interest Rate | Max Tenure | Processing Fee | Action |
|---|---|---|---|---|
| HDFC Bank | 10.50% – 12.50% | 6 Years | ₹1,999 – 1.00% | Apply→ |
| ICICI Bank | 10.65% – 13.00% | 6 Years | 1.00% | Apply→ |
| State Bank of India | 11.00% – 13.50% | 7 Years | 0.50% flat | Apply→ |
| Axis Bank | 10.75% – 13.25% | 5 Years | 1.00% | Apply→ |
| Bajaj Finserv | 11.50% – 14.50% | 6 Years | 1.25% | Apply→ |
Underwriting Matrix
Institutional Eligibility Criteria
| Criterion | Salaried Individual | Self-Employed / MSME | Certified Professional |
|---|---|---|---|
| Age Bracket | 21 to 58 years | 23 to 65 years | 22 to 65 years |
| Minimum Net Income | ₹35,000 / month | ₹5,00,000 / year (ITR) | ₹4,00,000 / year |
| Credit Benchmark | CIBIL 700+ | CIBIL 720+ | CIBIL 700+ |
| Employment Vintage | 1+ year total, 6 mos current | 3+ years continuous operations | 2+ years practice |
Dossier Readiness
Required Documentation Checklist
Organized documentation accelerates credit approval to under 24 hours.
PAN Card & Aadhaar Card (e-KYC verified)
Latest 3 months salary slips with corporate seal/digital sign
6 months primary salary account statement in PDF format
Current employment appointment letter or corporate ID
Financial Modeling
Interactive Personal Loan EMI Calculator
Facility Amount₹8,00,000
Interest Rate (p.a.)10.75%
Tenure4 Years
Monthly Outflow (EMI)
₹20,579/ month
Total Interest₹1.88L
Total Repayment₹9.88L
Advisory Desk
Frequently Asked Questions
With digital KYC and complete documentation, in-principle sanction is usually issued in 6 to 12 hours, with disbursal completed within 24 to 48 hours.
Ready to structure your Personal Loan?
One intake form. An advisor reviews your file across 25+ institutional desks within 4 working hours.