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Personal Loans for Salaried Employees

Apply online with a simple, digital journey. Check your eligibility in minutes and move ahead with a clear repayment plan.

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Quick Processing Faster approvals*
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Affordable EMIs Competitive interest rates*
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Fully Digital Online KYC & e-Sign
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Secure • RBI-regulated NBFCs

Personal Loan

Exclusive Offers For Our Heroes

🛡️Armed Forces 🩺Doctors 💼Government Employees 🛠️Engineers 🔬Scientists

Millions Trusted. Thousands Growing.

We’re building India’s most reliable digital lending experience — one user at a time.

2M+
Happy Customers
45+
Number Of Banks That Bank On Us
₹1,000 Cr.
Worth Of Credit Disbursed

Our Products

Personal Loan

Unsecured • Salary/Income proof
Instant KYC
  • ROIStarting 9.99% p.a.
  • Disbursal30 mins
  • Loan Amount₹50K – ₹25L
No collateralFlexible tenurePre‑closure options
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Flexi Personal Loan

Withdraw on demand • Pay interest on usage
Low EMI
  • ROIStarting 9.99% p.a.
  • Disbursal30 mins
  • TenureUp to 60 months
Credit linePart‑prepay anytime
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Credit Limit Loan

Revolving credit • Pay interest on utilization
Line of credit
  • ROIStarting 10.25% p.a.
  • Disbursal~3 hours
  • Limit₹1L – ₹20L
Pay‑as‑you‑useApp‑managed
Apply View Details

Loan Balance Transfer

Reduce EMI • Switch to better rates
Save interest
  • ROIStarting 10.25% p.a.
  • Disbursal~3 hours
  • SavingsUp to 2–3%
Top‑up eligibleZero hidden fees
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Loan Top Up

Extra funds on your running loan
Quick approval
  • ROIStarting 11.00% p.a.
  • Disbursal~3 hours
  • EligibilityGood repayment track
Minimal docsSame lender
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Banks Overdraft Loan

OD facility • Interest on used limit
Flexi Loan
  • ROIStarting 11.25% p.a.
  • Disbursal~3 hours
  • Best forSMEs & Traders
Secured/UnsecuredPay interest on usage
Apply View Details

Compare the best Personal loan offers

IDFC First Bank
Interest Rate Range
Starting at 9.99 % onwards
Processing Fee
1%
Max Loan Amount
₹ 1 cr
Tenure Range
6 months to 5 years
Incred
Interest Rate Range
Starting at 13.99 % onwards
Processing Fee
0-1%
Max Loan Amount
₹ 15 Lakhs
Tenure Range
1 to 5 years
Bajaj Finserv
Interest Rate Range
Starting from 10.25% onwards
Processing Fee
0.5-3.93%
Max Loan Amount
upto 55 lakhs
Tenure Range
Upto 8 Years
Axis Bank
Interest Rate Range
Starting at 10.49% onwards
Processing Fee
0-1%
Max Loan Amount
₹ 15 Lacs
Tenure Range
1 to 5 years
TATA FLY
Interest Rate Range
Starting at 18% onwards
Processing Fee
1- 3%
Max Loan Amount
₹25,00,000
Tenure Range
1 to 6 years
Tata Capital
Interest Rate Range
Starting at 10.99 % onwards
Processing Fee
0-1%
Max Loan Amount
₹ 35 lakhs
Tenure Range
upto 6 Years
Bajaj Growth Location
Interest Rate Range
NA
Processing Fee
NA
Max Loan Amount
NA
Tenure Range
NA
HDFC Bank
Interest Rate Range
Starting at 10.75% onwards
Processing Fee
2.50%
Max Loan Amount
₹ 40 Lakhs
Tenure Range
1 to 5 years
Fibe
Interest Rate Range
Starting at 18% onwards
Processing Fee
2%
Max Loan Amount
5 Lakhs
Tenure Range
6 to 36 months
SMFG India Credit
Interest Rate Range
Starting at 13% onwards
Processing Fee
Up to 5%
Max Loan Amount
Up to INR 30 Lakh*
Tenure Range
1 to 5 years
Bajaj SOL
Interest Rate Range
Starting at 13% onwards
Processing Fee
0-4%
Max Loan Amount
upto 25 Lakhs
Tenure Range
1-5 years
Poonawalla Fincorp
Interest Rate Range
Starting at 10.25% onwards
Processing Fee
3%
Max Loan Amount
50 Lakhs
Tenure Range
1-7 years
Bajaj Prime Location
Interest Rate Range
NA
Processing Fee
NA
Max Loan Amount
NA
Tenure Range
NA
Axis Finance
Interest Rate Range
Starting at 10% onwards
Processing Fee
0-3%
Max Loan Amount
₹ 50 Lakhs
Tenure Range
1 to 7 years
Bandhan Bank
Interest Rate Range
Starting at 9.99 % onwards
Processing Fee
3%
Max Loan Amount
₹ 35 Lakhs
Tenure Range
1 to 5 years
Finnable
Interest Rate Range
Starting at 12% onwards
Processing Fee
0-1%
Max Loan Amount
₹ 10 Lacs
Tenure Range
1-5 years
FairCent
Interest Rate Range
Starting at 9.99 % onwards
Processing Fee
0-3%
Max Loan Amount
₹ 10 lakhs
Tenure Range
6 months to 3 years
Upwards
Interest Rate Range
Starting at 18% onwards
Processing Fee
0-2%
Max Loan Amount
₹ 5 Lakhs
Tenure Range
1 to 5 years
Moneyview
Interest Rate Range
Starting at 14% onwards
Processing Fee
2%
Max Loan Amount
₹ 10 Lakhs
Tenure Range
1 to 5 years
IIFL
Interest Rate Range
Starting at 12.75% onwards
Processing Fee
0-3%
Max Loan Amount
₹ 1 lacs to 25 lacs
Tenure Range
1 to 5 years
IndusInd Bank
Interest Rate Range
Starting at 10.49% onwards
Processing Fee
0-2%
Max Loan Amount
50 Lakhs
Tenure Range
1 to 4 years
Kotak Bank
Interest Rate Range
Starting at 10.99 % onwards
Processing Fee
0-2%
Max Loan Amount
₹ 30 Lakhs
Tenure Range
1 to 5 years
ICICI Bank
Interest Rate Range
Starting at 10.25% onwards
Processing Fee
0-1%
Max Loan Amount
₹ 50 Lakhs
Tenure Range
1 to 6 years
RBL Bank
Interest Rate Range
Starting at 18% onwards
Processing Fee
0-2%
Max Loan Amount
₹ 20 lakhs
Tenure Range
1 to 5 years
HDB Financial
Interest Rate Range
Starting at 10% onwards
Processing Fee
0-3%
Max Loan Amount
upto ₹ 20 lakhs
Tenure Range
1 to 5 years
Karur Vysya Bank
Interest Rate Range
Starting at 11.15% onwards
Processing Fee
0.50%
Max Loan Amount
upto ₹ 75 lacs
Tenure Range
1 to 6 years
Union Bank of India
Interest Rate Range
Starting at 11.35% onwards
Processing Fee
1.0%
Max Loan Amount
upto 15 lakhs
Tenure Range
1 to 5 years
Canara Bank
Interest Rate Range
Starting at 10.95% onwards
Processing Fee
0.50%
Max Loan Amount
Upto 30 Lakhs
Tenure Range
1 to 7 years
Federal Bank
Interest Rate Range
Starting at 11.49 % onwards
Processing Fee
2.50%
Max Loan Amount
₹ 50 lakhs
Tenure Range
1 to 5 years
Yes Bank
Interest Rate Range
Starting at 10.99% onwards
Processing Fee
2%
Max Loan Amount
₹ 40 lakhs
Tenure Range
1 to 5 years
Aditya Birla Capital
Interest Rate Range
Starting at 10.99 % onwards
Processing Fee
2%
Max Loan Amount
₹ 50 Lakhs
Tenure Range
0 to 7 years

Calculate Your EMI Instantly

A Multi-Purpose Loan EMI Calculator helps you estimate your monthly repayment amount before applying for a loan. Whether it’s for education, travel, wedding, home renovation, or business needs—know your EMI and plan smarter.

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Awards & Recognitions

0 Awards
Bajaj Finserv — Recognized for outstanding performance in Q1 2025.
Bajaj Finserv — Q1 2025

Recognized for outstanding performance in Q1 2025. Honoured for high approval quality, fast TAT and compliant documentation that strengthened partner confidence across key salaried PL cohorts.

Top Partner Bajaj 2023 — Bajaj Finserv SAL PL Prime June 2k23
Top Partner — Bajaj Finserv (2023)

SAL PL Prime (June 2023). Recognized for steady month-on-month disbursals, reduced rejection rates and seamless customer onboarding experience in metro as well as emerging cities.

Top Partner Bajaj 2024 — Bajaj Finserv SAL PL Prime March 2k24
Top Partner — Bajaj Finserv (Mar 2024)

SAL PL Prime (March 2024). Awarded for superior funnel hygiene, digital KYC adoption and quick query resolution—driving higher conversion and partner NPS.

IDFC First Bank Best Performer — Q1 2023-2024
IDFC First Bank — Best Performer

Q1 2023–24. Recognized for consistent quality sourcing, policy adherence and customer-first servicing that enabled faster sanction to disbursal timelines.

Bajaj Top Partner — Outstanding performance in 2024–25
Bajaj Finserv — Top Partner (2024–25)

For outstanding performance in FY 2024–25. Highlighted for low sourcing TAT, portfolio stability and robust post-disbursal support.

InCred Finance — FY23–24 pillar of strength
InCred Finance — Pillar of Strength

FY 2023–24. Felicitated for reliable volumes, clean documentation audits and strong collaboration across underwriting and operations.

Bajaj Finserv — Top performer in Nov 2022
Bajaj Finserv Top Performer (Nov 2022)

Acknowledged for month-leading throughput, accurate profile selection and strong customer satisfaction during festive surge.

Upwards Valued Partner — By Upward Capital
Upwards — Valued Partner

Conferred by Upwards Capital for responsible distribution, transparent communication and dependable after-sales assistance across digital journeys.

IDFC First Bank — Top Contribution in 2023–24
IDFC First Bank — Top Contribution

FY 2023–24. Recognized for scalable sourcing, digital-first workflows and portfolio resilience across salaried and emerging segments.

InCred Finance — Partnership, support and commitment
InCred Finance — Partnership Excellence

Awarded for partnership, support and commitment. Cited for training enablement, SLA discipline and proactive issue resolution.

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FAQ - FinCrif Frequently Asked Questions

A personal loan is an unsecured credit that helps meet financial needs like travel, wedding, medical expenses, or home renovation, repaid in EMIs.

Visit FinCrif.com, fill out the quick online form, upload your KYC and income proofs, and receive instant eligibility offers from partner banks and NBFCs.

FinCrif partners with multiple RBI-registered lenders offering interest rates starting from 10% p.a., depending on your credit score and income.

You’ll need Aadhaar, PAN, address proof, last 6 months’ bank statements, and 3 months’ salary slips (for salaried) or ITR (for self-employed).

Some lenders accept alternate income proofs like bank statements, Form 16, or rental income to verify your repayment capacity.

FinCrif is a digital aggregator that works only with RBI-registered banks and NBFCs to ensure safe and compliant loan services.

With eKYC and verified documents, loan approval can happen the same day, and disbursal is usually within 24 to 48 hours.

Lenders may charge a processing fee of 1–3% of the loan amount, plus applicable documentation or prepayment charges.

No. Personal loans are unsecured; you don’t need to pledge any asset. Approval depends on your credit score and income.

Yes, most lenders allow pre-closure or part-payment after 6–12 EMIs, subject to a small foreclosure charge.
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