Partner Name

Key Feature

Key Feature Description

Bajaj Finance Limited

Interest Rate

11% p.a onwards

Bajaj Finance Limited

Associated Charges

Processing Fees : Upto 3.93%
Foreclosure Charges :
Term Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount as on the date of full pre-payment
Flexi Term Loan (Flexi Dropline): Up to 4.72% (Inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full prepayment.
Flexi Hybrid Loan: Up to 4.72% (Inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full prepayment.

Bajaj Finance Limited

Repayment tenure

12-96 months

Bajaj Finance Limited

Eligibility Criteria

1. He must be a salaried individual.
2. The applicant must be an Indian resident.
3. The applicant’s age must be between 25 and 58 years.

Bajaj Finance Limited

Basic Documents Required

1. Bank Statement of last 3 months
2. Identity Proof : PAN/Voter ID
3. Address Proof : Aadhaar Card/Driving License/Passport 

Bajaj Finance Limited

Disbursal Time

24 hours

SMFG India Credit 

Interest Rate

11.99% p.a onwards

SMFG India Credit 

Associated Charges

Processing Fees : Between 0% - 6% of the loan amount

Foreclosure Charges : 0-7% of the outstanding loan amount

SMFG India Credit 

Repayment tenure

12-60 months

SMFG India Credit 

Eligibility Criteria

1. The applicant must be a resident of India.
2. The applicant’s age must be between 21 and 60 years.
3. He must be a salaried individual working in a private limited company or public sector enterprise, or be self-employed.

SMFG India Credit 

Basic Documents Required

1. Bank Statement of last 3 months for salaried individuals and Income proof for self-employed individuals.
2. Identity Proof : PAN/Voter ID  
3. Address Proof : Aadhaar Card/Driving License/Passport 

SMFG India Credit 

Disbursal Time

30 minutes

PaySense 

Interest Rate

1.33% - 2.17% per month

PaySense 

Associated Charges

Processing Fees:  2% of the loan amount + GST or ₹500 + GST (depends on whichever is higher).  Foreclosure charges: 4% of outstanding loan amount + GST (Foreclosure allowed only after 6 EMI Payments).

PaySense 

Repayment tenure

3 months – 60 months

PaySense 

Eligibility Criteria

1. The applicant must be an Indian citizen.
2. The age of the applicant must be between 21 and 60 years.
3. The minimum net monthly income of the applicant must be ₹20,001 if residing in Tier -1 city and ₹18,001 if residing in Tier-2 city.

PaySense 

Basic Documents Required

1. Identity Proof: PAN Card.
2. Permanent Address Proof: Aadhaar Card/Voter ID/Passport.
3. Current Address Proof: Aadhaar Card/ Voter ID/ Passport /Rent Agreement/ Electricity Bill/ Water Bill/ Landline Bill / Bank Statement/Passbook/ Gas Pipeline receipt.
4. Bank Statement of last 3 months.

PaySense 

Disbursal Time

48 hours

Muthoot Finance 

Interest Rate

13.75% p.a onwards

Muthoot Finance 

Associated Charges

Processing Fees : 2% - 4% of the loan amount sanctioned

Muthoot Finance 

Repayment tenure

12-60 months

Muthoot Finance 

Eligibility Criteria

1. The applicant must be a salaried employee working in Public Sector Unit or any reputed organisation.
2. The age of the applicant must be between 23 and 60 years.
3. If residing in a metro city, the minimum net monthly income of the applicant must be between Rs. 20,000 – Rs. 30,000 per month (subject to the employer).
4. If residing in a non-metro city, the minimum net monthly income of the applicant must be between Rs. 15,000 – Rs. 25,000 per month (subject to the employer).

Muthoot Finance 

Basic Documents Required

1. PAN Card (Mandatory)  
2. Completely filled out loan application form  
3. Passport Size Photographs  
4. Identity Proof: A copy of Passport/ Voter ID/ Aadhaar / Driving License  
5. Address Proof: A copy of Aadhaar Card/ Property purchase Agreement/ Registered Lease Agreement/ Utility Bill (not more than 3 months old)/ Driving License/ Passport  
6. Proof of Income: Bank Account Statement/ Salary Certificate/ Salary Slip/ Form 16  
7. Employment Proof: Letter on company letter head confirming the employment period of applicant  

Muthoot Finance 

Disbursal Time

5 working days

CASHe 

Interest Rate

2.75% per month

CASHe 

Associated Charges

Processing Fee :

Flat Rs.500 for loan amount between 0 to 33333 and 1.50% on the loan amount when loan amount is greater than 33333 (if the loan tenure is 3 months).

Flat Rs.1200 or 2% on the loan amount whichever is higher (if the loan tenure is 6 months, 9 months or 12 months).

Flat Rs.1000 or 3% of the principle amount whichever is higher (if the loan tenure is 18 months).

CASHe 

Repayment tenure

90 days - 18 months

CASHe 

Eligibility Criteria

1. The applicant must be a resident of India.
2. The age of the applicant must be between 21 and 39 years.
3. The applicant must be a salaried individual with a minimum net monthly salary of Rs. 20,000.
4. The company, the applicant works in, must be MCA (Ministry of Corporate Affairs) registered.
5. The applicant must be a smartphone user.

CASHe 

Basic Documents Required

1. PAN Card
2. Latest Bank Statement of your Salary Account
3. Aadhaar Card
4. Permanent/Temporary Address Proof
5. Selfie as a photo proof

CASHe 

Disbursal Time

Within a few hours (subject to eligibility and documentation)

Fibe 

Interest Rate

2.5% per month

Fibe 

Associated Charges

Processing Fee :

Starting from Rs.399 + Rs.100 stamp duty

Fibe 

Repayment Tenure

3 months - 24 months

Fibe 

Eligibility Criteria

1. The applicant must be a resident of India.
2. The age of the applicant must be between 21 and 55 years.
3. The applicant must be a salaried individual with a minimum net monthly salary of Rs. 18,000, if living in a Tier 1 City and Rs. 15,000, if living in Tier 2 city.

Fibe 

Basic Documents Required

1. ID proof: PAN Card
2. Income proof: Bank Statement of 3 months and latest salary slip (last 3 months)
3. Address proof: Aadhaar card, Driving license, Voter ID, Passport, Bank passbook

Fibe 

Disbursal Time

10 mins

Yes Bank 

Interest Rate

Starting from 10.70%

Yes Bank 

Associated Charges

Processing Fee :

Starting from FLAT Rs. 1499/- to 2.50% of loan amount

Foreclosure Charges :

Foreclosure is allowed post the repayment of 12 EMIs

1. 13 – 24 months - 4% of Principal Outstanding
2. 25 – 36 months - 3% of Principal Outstanding
3. 37 – 48 months - 2% of Principal Outstanding
4. > 48 Months – Nil

Part Payment Charges :

Part payment is allowed post the repayment of 12 EMIs.

1. 13 – 24 months - 20% of Principal Outstanding
2. 25 – 36 Months - 20% of Principal Outstanding
3. 37 – 48 Months - 25% of Principal Outstanding
4. 49 – 60 Months - 25% of Principal Outstanding

2% plus applicable taxes are also charged on the part payment amount paid.

Yes Bank 

Repayment Tenure

12-72 months

Yes Bank 

Eligibility Criteria

1. The age of the applicant must be between 22 and 60 years.
2. The applicant must be a salaried individual working in Public /Private/Limited/Govt. companies.
3. The applicant must earn a minimum net monthly salary of Rs. 20,000, if residing in a Tier 1 City and Rs. 15,000, if living in Tier 2 or Tier 3 city.

Yes Bank 

Basic Documents Required

1. Application Form
2. KYC Documents : Aadhaar Card, PAN Card, Voter ID etc.
3. Salary slips of last 2 months
4. Bank Statement of last 3 months

Yes Bank  

Disbursal Time

Best in Class TAT

KreditBee

Interest Rate

0% to 29.88%

KreditBee

Associated Charges

NA

KreditBee

Repayment Tenure

Up to 24 months

KreditBee

Eligibility Criteria

1. The applicant must be a citizen of India.
2. The age of the applicant must be above 21 years.
3. The minimum net monthly salary of the applicant must be Rs. 10,000.
4. Aadhaar Card of the applicant must be linked to his/her mobile number.

KreditBee

Basic Documents Required

1. ID proof: PAN Card
2. Income proof: Bank statement/Salary slip
3. Address proof: Aadhaar card, Driving license, Voter ID, Passport, Bank passbook
4. Proof of Employment

KreditBee

Disbursal Time

15 mins

InCred

Interest Rate

1.5% to 3% per month

InCred

Associated Charges

Processing fee: 2%-4% of the withdrawal amount

InCred

Repayment Tenure

3 to 12 months

InCred

Eligibility Criteria

1. The applicant must be a citizen of India.
2. The age of the applicant must be between 21 and 55 years.
3. The applicant must be a salaried individual whose monthly income ranges from Rs. 15,000 to Rs. 50,000.

InCred

Basic Documents Required

1. PAN Card
2. Identity Proof: Aadhaar card/Voter ID/Driver’s license/Passport
3. Bank statements of past 3 months

InCred

Disbursal Time

4 Hours

mPokket

Interest Rate

0% to 4% per month

mPokket

Associated Charges

Processing fee: Rs. 50 to Rs. 200 + 18% GST depending on the loan amount with maximum APR of 48%

mPokket

Repayment Tenure

Up to 120 days

mPokket

Eligibility Criteria

1. The applicant must be above 18 years.
2. The applicant must have a monthly salary of at least Rs. 9000.
3. The applicant’s salary should be credited in his/her bank account and must not be in the form of cash.

mPokket

Basic Documents Required

1. Last 3 months Bank Statement,
2. Salary Slip/Joining Letter for Salaried Professionals
3. Aadhaar Card, Driving license, Voter ID card, etc
4. PAN Card
5. KYC Details
6. College ID card for Students

mPokket

Disbursal Time

Instant for fully approved KYC Users

IIFL Digital

Interest Rate

16.50% - 27.50% p.a.

IIFL Digital

Associated Charges

Processing fee: 2.50% - 4% of the loan amount +GST

IIFL Digital

Repayment Tenure

Up to 42 months

IIFL Digital

Eligibility Criteria

1. The applicant must be a resident of India.
2. The applicant must be between 19-60 years.
3. The applicant must be a salaried individual with a monthly salary of at least Rs. 15000.

IIFL Digital

Basic Documents Required

1. Selfie
2. PAN Card
3. Address Proof – Aadhaar/Passport/Voter ID
4. Latest 6 months bank statement

IIFL Digital

Disbursal Time

24 hours

Upwards Personal Loan

Interest Rate

1.50% - 2.50% p.m

Upwards Personal Loan

Associated Charges

Processing fee: Up to 4% of the loan amount

Foreclosure charge: 5% of the outstanding balance

Upwards Personal Loan

Repayment Tenure

Up to 36 months

Upwards Personal Loan

Eligibility Criteria

1. The applicant must be a salaried individual.
2. The applicant must have a monthly salary of at least Rs. 20000.
3. The applicant must a work experience of more than 2-3 years.
4. The applicant must be above 21 years.

Upwards Personal Loan

Basic Documents Required

1. Identity Proof: PAN Card/Aadhaar Card
2. Address Proof: Aadhaar Card/Driving License/Voter ID card
3. Last 3 months Bank Statement
4. Selfie
   Note: Banking documents can be waivered in STP program

Upwards Personal Loan

Disbursal Time

Same Day Disbursal

L&T Personal Loan

Interest Rate

11% p.a. onwards

L&T Personal Loan

Associated Charges

Processing fee: Up to 2% of principal outstanding + applicable taxes

Foreclosure charge: 5% of principal outstanding + applicable taxes

L&T Personal Loan

Repayment Tenure

24 months to 48 months 12-48 months

L&T Personal Loan

Eligibility Criteria

1. The applicant must be an Indian citizen with valid ID proof.
2. The applicant must be between 23 to 57 years of age.

L&T Personal Loan

Basic Documents Required

1. Required KYC
2. Pan Card/Form 60 (Mandatory)
3. Aadhar O-KYC
4. Address Proof
5. OVDs: Voter ID/Driving Licence/Passport/Job card issued by NNREGA, duly signed by State govt. officials/Letter issued by National population register/Proof of possession of Aadhar Number
6. D-OVDs: Electricity bill/Water bill/Post-paid bill/Property/Municipal tax receipt/Piped Gas bill
   *If utility bill is in landlord's name - rent agreement will be required

L&T Personal Loan

Disbursal Time

2 hours (With all documents approved on banking days)

Up to 24 working hours (over non-banking days)

Kotak Personal Loan

Interest Rate

11.75% p.a. onwards

Kotak Personal Loan

Associated Charges

Processing fee: Up to 3% of the loan amount plus applicable taxes

Foreclosure charges:

1. 4% of Principal outstanding (if paid within 0-36 months)
2. 2% of Principal outstanding (if paid beyond 36 months)

Part pre-payment charges:

1. Only for loans disbursed after 1st February 2020
2. Post completion of 12 months - Up to 20% of Principal loan outstanding.

Kotak Personal Loan

Repayment Tenure

Up to 60 months

Kotak Personal Loan

Eligibility Criteria

1. The applicant must be employed with an MNC, public limited company, or private limited company.
2. The age of the applicant must be between 21 years and 60 years.
3. The minimum monthly income must be Rs. 25,000 for corporate salary borrowers, Rs. 30,000 for non-corporate salary borrowers and Rs. 20,000 for Kotak Mahindra Bank employee.
4. The applicant must have a work experience of at least 1 year.
5. The applicant must be a graduate.

Kotak Personal Loan

Basic Documents Required

1. Identity proof: PAN Card/Passport/Aadhaar card/Voter’s ID Card/Driving license
2. Address proof: Passport/Aadhaar card/ Driving license
3. Bank statement of the last 3 months with income details
4. Salary slips of the last 3 months (for salaried employees)
5. 2-3 passport sized photographs

Kotak Personal Loan

Disbursal Time

1. Instant (Up to Rs. 5 Lakhs)
2. 48 hours (Up to Rs. 25 Lakhs)

Olyv - Formerly SmartCoin

Interest Rate

2% - 2.5% per month

Olyv - Formerly SmartCoin

Associated Charges

Subject to profile

Olyv - Formerly SmartCoin

Repayment Tenure

2 - 9 months

Olyv - Formerly SmartCoin

Eligibility Criteria

1. The applicant should be a salaried individual
2. The applicant must be between 24 and 45 years
3. The applicant must have a monthly income above Rs. 15000

Olyv - Formerly SmartCoin

Basic Documents Required

Identity proof (PAN/Aadhaar Card/Voter ID/Passport)

Olyv - Formerly SmartCoin

Disbursal Time

5 mins – 10 mins

Finnable

Interest Rate

15.95% p.a. onwards

Finnable

Associated Charges

Processing Fee: 3% onwards

Finnable

Repayment Tenure

6-60 months

Finnable

Eligibility Criteria

1. The applicant must be a salaried individual.
2. The age of the applicant must be between 21 and 60 years.
3. The applicant must be in continuous service for 1 year (6 months with the current employer).
4. The applicant must have a minimum monthly income of Rs. 20,000, if living in Tier-1 city and Rs. 15,000 per month, if living in Tier-2 city.

Finnable

Basic Documents Required

Identity Proof –Pan card, Aadhaar card

Finnable

Disbursal Time

2 hours

Privo

Interest Rate

9.99% p.a. onwards

Privo

Associated Charges

Processing Fee: 1%-3% of the loan amount +GST

Foreclosure Charges: Zero

Prepayment Charges: Zero

Privo

Repayment Tenure

3 months to 60 months

Privo

Eligibility Criteria

1. The age of the applicant must be between 21 and 57 years.
2. The applicant must have a minimum monthly income of Rs. 20,000.
3. The applicant must have a minimum CIBIL Score of 700.
4. The applicant must be an Android user.

Privo

Basic Documents Required

Aadhaar Card, PAN Card and Bank statement

Privo

Disbursal Time

Less than 5 mins

Federal Bank

Interest Rate

11% - 19.90% p.a.

Federal Bank

Associated Charges

1. Processing charges: 0.70% to 2.80% of the loan amount
2. Foreclosure charges: 3% of the outstanding loan amount + Applicable Taxes

Federal Bank

Repayment Tenure

12-48 months

Federal Bank

Eligibility Criteria

1. The age of the applicant must be between 21 and 55 years.
2. The applicant must have a CIBIL Score above 730.
3. The applicant’s eligibility will be determined on the basis of the Federal Bank credit policy*

Federal Bank

Basic Documents Required

1. PAN card
2. Aadhaar card

DBS

Interest Rate

15.95% p.a. onwards

DBS

Associated Charges

Processing Fee: 3% onwards

DBS

Repayment Tenure

6-60 months

DBS

Eligibility Criteria

1. The applicant must be a salaried individual.
2. The age of the applicant must be between 21 and 60 years.
3. The applicant must be in continuous service for 1 year (6 months with the current employer).
4. The applicant must have a minimum monthly income of Rs. 20,000, if living in Tier-1 city and Rs. 15,000 per month, if living in Tier-2 city.

DBS

Basic Documents Required

Identity Proof –Pan card, Aadhaar card

DBS

Disbursal Time

2 hours

Zype

Interest Rate

18% p.a. onwards

Zype

Associated Charges

2% to 6%

Zype

Eligibility Criteria

1. The applicant must be at least 18 years old.
2. The applicant must be a salaried individual.
3. The applicant must have a valid PAN card and Aadhaar card.

Zype

Documents Needed

PAN card and Aadhaar card (only number required)

Zype

Loan Amount

Up to ₹5 Lakhs

Zype

Repayment Tenure

Up to 1 year

Zype

Disbursal Time

Within 5 minutes

Kissht

Maximum Loan Amount

₹2 Lakhs

Kissht

Interest Rate

18% p.a. onwards

Kissht

Associated Charges

Processing Fee: 0.99% onwards

Foreclosure Charges: Nil

Kissht

Repayment tenure

Up to 2 years

Kissht

Eligibility Criteria

1. Applicant should be either a salaried or a self-employed individual
2. Applicant should fall under the age bracket of 21 to 50 years
3. Applicant should have a monthly income of at least ₹15,000

Kissht

Documents Required

1. PAN card
2. Aadhaar card

Kissht

Disbursal Time

5 minutes

Sumitomo Mitsui Financial Group

Loan Amount

Up to ₹2.5 Lakhs

Sumitomo Mitsui Financial Group

Interest Rate

11.99% p.a. onwards

Sumitomo Mitsui Financial Group

Associated Charges

1. Processing Fees: 3%
2. Foreclosure Charges: 3%
3. Part Pre-payment Charges: 3%

Sumitomo Mitsui Financial Group

Repayment tenure

Up to 36 months

Sumitomo Mitsui Financial Group

Eligibility Criteria

The applicant must have a CIBIL Score of at least 730

Sumitomo Mitsui Financial Group

Disbursal Time

Instant*