Personal Loans - IndianLoanhub

Unsecured Retail Finance

Instant Capital.
Zero Collateral.

Whether it's a medical emergency, a dream wedding, or debt consolidation—get up to ₹50 Lakhs disbursed in 24 hours with our premium banking partners.

Apply via WhatsApp View Checklist

Starting ROI 10.50%

For Top Tier Corporates

Max Tenure 72 Mos

Flexible EMI Options

Processing Time 24-48 Hours

100% digital journey with Penny Drop & Account Aggregator (AA) verification.

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Plan Your Repayments

Use our smart calculator to estimate your exact monthly EMI before applying.

Loan Amount (₹)

Interest Rate (% P.A.)

Tenure (Years)

Monthly EMI

₹ 10,747

Principal Amount ₹ 5,00,000

Total Interest ₹ 1,44,817

Total Payable ₹ 6,44,817

Why Apply Through Us?

We filter the noise to get you the exact bank that matches your profile.

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Multi-Bank Match

We route your application to Axis, Bajaj, or IDFC based on your company category (Cat A/B/C) to guarantee the lowest rate.

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Balance Transfer (BT)

Stuck with a 15%+ personal loan? We help you consolidate your debt and transfer it to a 10.5% - 11.5% bracket.

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High FOIR Allowance

Our experts calculate your Fixed Obligation to Income Ratio (FOIR) upfront to prevent unnecessary CIBIL rejections.

Standard Eligibility Criteria

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Age Limit

21 to 60 years at the time of loan maturity.

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Min. Income

₹25,000 net monthly take-home salary.

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CIBIL Score

700 or above for the best interest rates.

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Work Experience

Minimum 1 year total, with 6 months in current company.

ELIGIBLE

Standard Documentation.

Salaried Employees

For individuals working in Private Pvt Ltd, Public Ltd, MNCs, or Government sectors.

PAN Card & Aadhaar Card
Last 3 Months Salary Slips
Last 6 Months Salary Bank Statement
Current Address Proof (If diff from Aadhaar)
Official Email ID Verification

* Minimum Net In-Hand Salary: ₹25,000/month.

Self-Employed / Business

For Doctors, CAs, Proprietors, and Directors of Private Limited Companies.

Applicant PAN & Aadhaar Card
Business Proof (GST / Udyam Certificate)
Last 2 Years ITR with Computation
Last 6-12 Months Bank Statement (Current A/C)
Professional Degree Certificate (If applicable)

* Minimum 3 Years of Business Vintage Required.

How It Works

A seamless, paperless journey from application to money in your bank.

Apply Online

Fill out the quick form or chat with us on WhatsApp to share your basic details.

Expert Match

We analyze your profile and route it to the best bank (Axis, Bajaj, etc.) for instant digital approval.

Fast Disbursal

Complete e-KYC and e-Mandate digitally. Funds hit your account within 24-48 hours.

Step 1 of 3

Claim Your
Sanction Limit.

Fill out this quick pre-login form. It will be sent directly to our expert WhatsApp channel for immediate processing.

✓ No CIBIL Impact ✓ 100% Secure

Frequently Asked Questions

What is a Personal Loan Balance Transfer?

If you are currently paying a high interest rate (e.g., 15-20%) on an existing personal loan, a Balance Transfer allows you to shift that loan to a new bank offering a lower rate (e.g., 10.5%). This reduces your EMI burden significantly.

Do I need to provide any collateral or security?

No. Personal loans are purely unsecured. You do not need to pledge any property, gold, or assets. Approvals are strictly based on your income, company profile, and CIBIL score.

Can I pre-close or foreclose my personal loan?

Yes, most of our banking partners allow foreclosure after 6 to 12 months of consistent EMI payments. A nominal foreclosure charge (usually 2-4% of the principal outstanding) may apply depending on the bank's terms.

Does checking my eligibility affect my CIBIL score?

Using our AI consultant or submitting a quick inquiry does NOT affect your CIBIL score (it is considered a "soft inquiry"). A hard inquiry is only generated when we officially log your file into a specific bank's system with your consent.

Rera No. A51700142247

Our Banking Partners.

One step for multiple services. We have strategic tie-ups with India's most trusted Banks and NBFCs to ensure your loan gets sanctioned seamlessly.