INCRED Personal Loan

With affordable interest rates, INCRED offers personal loans. Additionally, INCRED provides paperless digital loan processing along with online, quick personal loan. INCRED with interest rates starting at 16.0% - 36.0% onwards. A maximum loan from Rs 75000 to 15 lacs with a maximum 1 to 5 year repayment period is available to you.

Interest Rate 16.0% - 36.0% onwards
Maximum Loan Rs 75000 to 15 lacs
Processing Fees 2%
Maximum Loan Tenure 1 to 5 year

Loan Disbursal in 3 hrs*
100% Online Process

A Four-Step Guide to Efficient Financing

Complete Your Basic Details
Check Your Soft Eligibilty
Complete Your Details
Get Disbursal in account

INCRED Personal Loan EMI Calculator



% Interest



Total Payable

Documents Required for InCred Personal Loan

For a personal loan, the following documents are needed for InCred Loan : 

  • An Aadhar Card

  • size of a passport

  • a PAN card

  • To apply for a personal loan with Incred Financial, you must have 4 blank, signed checks from your paycheck or main savings account.

  • current address verification

  • Proof of Permanent Address is required if the permanent address differs from the one on the Aadhar card.

Please be aware that without these documents, the Incred loan login is not available.

With loan amounts up to Rs 3 lakh and payback terms up to 5 years, InCred Financial Services Ltd., formerly known as KKR India Financial Services Ltd., offers personal loans starting at 16% p.a. Loan applicants can use InCred Personal Loans from the non-banking financial institution (NBFC) to cover costs for a wedding, a trip, unexpected medical expenditures, buying consumer goods, etc. According to InCred, processing and disbursement of personal loans are done entirely online.

Feature of InCred Personal Loan 

With fantastic perks for consumers, InCred Loans include

Customizable Loan: Loans that can be tailored to the applicant's requirements and objectives include InCred Personal Loans (Lines of Credit). In order for clients to receive the most benefit, the business offers them customized services.

High Loan Limits : InCred offers high loan limits of up to Rs. 5 Lakhs to boost its customers' prospects for expansion.

Flexible Repayment Strategy: To lessen the financial load, the applicants may select and negotiate a repayment strategy with a term of three to six years.

Digital Access : Applicants do not need to travel to a branch office and waste their valuable time in order to apply for InCred Personal Loans. The only thing they have to do is go to Bajaj Markets, which offers a quick and easy online loan application process. Additionally, the applicants can manage their loan account digitally from any location at any time.

There Are No Required Documents: You can obtain a first credit limit of up to Rs. 1.5 Lakhs without providing any proof of income. The banking documents must be submitted if you want to extend the loan line (up to Rs. 5 Lakhs).

Instant Fund Disbursal : After your InCred Personal Loans application has been accepted, the loan amount will be credited to the applicant’s bank account within four hours.

Low Interest Rate: To lessen the applicant's financial stress, InCred Personal Loans interest rates, ranging from 1.5% to 3% monthly. Only the portion of the loan that has been used must be repaid, not the total amount.

Zero Collateral: InCred Personal Loans do not call for any assets to serve as a guarantee for the loan's principal.

Process for Applying InCred Personal Loan 

Here Are the steps that you have to follow while applying for personal loan on InCred website: 

  • Visit the official website .

  • Firstly , login with your name and number .

  • Then fulfill your employment type.

  • Verify OTP.

  • Upload all the documents and submit .

  • Last , you will get a call from the Fincrif team and help you to proceed next.

Frequently Asked Questions ( FAQ )

  1. Do I have to put up anything as collateral or a guarantee to get the loan?

ANS. Contrary to popular belief, InCred personal loans are among the few personal loans that don't require collateral or guarantees.

  1. Is there a processing fee for the personal loan from InCred?

ANS. Yes, a processing charge applies and is subtracted from the loan amount prior to disbursement.

  1. If I forget to make my EMI payment, do I have to pay anything?

ANS. Yes, there will be penalties for late payments and bounced checks. To restructure the debt, call them if you find yourself in a scenario where you are unable to pay the EMI.

Eligibility Criteria for InCred Personal Loan 

Here are the list of InCred Personal Loan eligibility: 

  • Self-employed and salaried people are also eligible.

  • There should be a minimum age requirement of 23.

  • For Incred Financial Services Limited to consider you for a personal loan, your age cannot be higher than 55.

  • A minimum of Rs. 20,000 in net monthly income is necessary.

  • No payments missed over the preceding 24 months.

  • For an Incred Capital personal loan, a resident of Delhi/NCR, Mumbai, Chennai, Bengaluru, Pune, or Hyderabad may apply.

  • For an Incred Bank personal loan, a CIBIL score of 625 or higher is required.

Fees and Charges of InCred Personal Loan 

Interest Rates18% to 36% p.a.
Loan AmountRs. 15,000 - Rs. 2 Lakhs
Tenure1 - 3 years
Processing Fee2% of the loan amount


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