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A Personal Loan is an unsecured loan that can be availed to fulfill all your dreams. Be it planning your wedding the royal way, financing a trip to your dream destination, renovating your home, dealing with a medical emergency, or expanding your business horizons, Personal Loans will provide you the much-needed financial aid in such cases. At Finserv MARKETS, we connect you with the best lending partners in India. So, choose from our list of Personal Loan partners basis your need and convenience and make the most of it.
On This Page: Partners | Why Choose Finserv MARKETS | Features and Benefits of Personal Loan | Types of Personal Loan | Personal Loan Eligibility | Documents | Personal Loan Fees | Tips for Personal Loan Application | Pre-Payment and Part Payment in Personal Loan | Modes of Loan Payment
Finserv MARKETS helps you choose from a wide variety of Personal Loan products. What’s more! You also get to compare various Personal Loan offers by the best of the lending partners. So, you are indeed spoilt for choice!
There's no tedious paperwork involved. Your application is approved within minutes and money gets disbursed in no time.
We are proud to deliver on our promise to more than 100 million customers. Our reliable interface helps the lending partners reach out to people all across India and provides the best lending experience.
Today, you can have your Personal Loan approved instantly, if your income, Credit Score and documents are in congruence with the eligibility requirement of the Personal Loan you request for. Usually lenders disburse the loan amount in 24 hours post the loan application approved. Once the loan application is approved, you can expect the amount to be credited in your account usually within 24 hours.
Typically, the upper cap of the loan amount ranges anywhere between Rs. 25 Lakhs to Rs. 40 Lakhs. Depending on your income, credit score and repayment capacity, the lender will provide you the details of the sanctioned loan amount.
Since Personal Loans are unsecured in nature, you don’t have to pledge any collateral.
The repayment tenure is flexible and usually ranges from 1 year to 5 years. Thus, you get the option to flexibly choose your tenure and repay the loan amount without any hassles.
Personal loans are available at interest rates starting from as low as 9.85% per annum.
Personal Loan can be used for variety for purposes like wedding, travel, home renovation, education and much more.
Nowadays, lenders are quite flexible when it comes to associated charges. You can pay the loan much before the completion of the actual loan tenure at zero foreclosure charges.
Personalized pre-approved offers and value added services can make your experience of availing a Personal Loan even more amazing.
Today, financial institutions offer various kinds of Personal Loans, that are customized to suit your needs. Here are a few types of Personal Loans which you can avail of -
Want to satisfy your wanderlust, but lack of funds playing a spoilsport. No worries. Travel loan is here. Be it travelling to your dream destination or for business purposes, with a Travel Loan, you can have all your expenses covered such as that of tickets, food, accommodations, shopping etc.
Marriage holds a special place in one’s life. To make this day a memorable one, you can apply for a Marriage Loan and cover your expenses of arrangements, accommodation, etc. You can get the loans instantly at attractive interest rates.
With a Home Renovation Loan, you can revamp your abode like never before. From purchasing new furniture to refurbishing your home completely, you can add that much-needed spark to your home with a Home Renovation Loan.
A debt consolidation loan is a Personal Loan which lets you combine all your outstanding dues or debts into one single payment, which can be done monthly, thus helping you manage your installments.
Education loans offer financial support to students, who want to pursue higher education. The loan can be availed with minimal documentation, paid over flexible repayment tenure.
The Personal Loan Eligibility may vary from lender to lender. But here are some basic eligibility criteria that are valid across most of the lenders.
You must be at least 21 years of age to apply for a Personal Loan. The maximum age of the salaried applicant must not be more than 60 years at the time of loan maturity.
Usually for a salaried applicant, the minimum net monthly income should be INR 15,000-20,000 to apply for a Personal Loan.
You must have a work experience of around 2-3 years, to avail the Personal Loan. Self-employed applicants must have a vintage of at least 3 years.
A credit score describes the creditworthiness of borrowers. For instant personal loan approval and to avail a Personal Loan of higher amount, you must have a credit score of 750 and above. If your score is between 700 and 750, you will get a loan at slightly higher rate of interest. Also, you must have a good repayment track record, which will enhance your credit score and your chances of getting a Personal Loan.
If you are an NRI (Non-Resident Indian), the following documents will be required:
When you apply for a loan, apart from the personal loan interest rate which is the basic charge that comes with EMI payments, there are certain other fees and charges that come with it. Here are the following:
It’s a one-time fee that you have to pay to the lender so as to process your loan amount. The processing fee payable is considered with respect to the applied amount. You can then pay the processing fee from your pocket, or have it deducted from the actual loan amount during disbursal. Though the fee may vary from lender to lender, it usually ranges between 0.5% and 2.50% of the loan amount.
The financial institution/lender will charge you with late payment charges; at around 2% of the due amount, if you do not pay the EMIs before the due date.
It is the charge that you need to pay, if you close the loan before the actual tenure.
In addition, Goods and Services Tax(GST) is charged on processing fees, or loan prepayment charges i.e on the services required by the applicant for his loan to be processed and sanctioned.
This is the first point you need to take into consideration. Analyze the need for a loan and how it will help you fulfill your requirement. This will help you manage your other finances and chalk out a plan to pay the monthly EMI payments.
Do thorough research about the lender, the kind of loans they offer, and their eligibility criteria. For example, a regular source of income is a must to apply for a loan. Other necessary factors include your age, work experience, credit score and loan repayment history.
Ensure that you have a good credit score since your loan amount and interest rates will depend on it.
Check for any discrepancies in your credit report after going through it in detail and have the errors eliminated. This will facilitate a smooth loan application process.
This will help you find the best deals and offers that you can avail of. Check interest rates and repayment tenures they provide. Also, check for their reputation in the marketplace, especially with respect to the application process and transparency.
Go through the terms and conditions thoroughly. In case of any confusion or queries regarding the clauses or fees charged, seek the assistance on an immediate basis. This will help you a lot during the repayment period.
Too many applications will surely bring down your credit score and can affect your application in the future.
Pre-payment is the EMI payment made before the due date of the loan closure. Making the repayment early, before the due date helps in reduction in the EMI that you will have to pay for the remaining loan tenure. You can also save on interest rates by prepaying your loan. Since, with pre-payments, you close the loan before the repayment tenure ends, it can have a positive impact on your credit score as well. However, pre-payment also invites with certain associated charges called pre-payment charges. Though it can vary from lender to lender, on an average about 2%-3% of the outstanding loan amount is charged as prepayment fee.
In case, you have some amount of money in hand, but it is not sufficient to make the whole payment before the due date, you can choose to make part-prepayment. With part payments, you can reduce the unpaid principal amount, thereby also reducing your EMIs and rate of interest. Even part-payment can have a positive impact on your credit score.
Another advantage of part-payments is that you need do it only once. You can make multiple part payments which can further help you bring down your EMI substantially.
ECS is the electronic means, through which one can transfer the funds from one bank to another. Through the ECS mode, transfer of loan EMIs and SIP investments can be done. Payments related to utilities like water, electricity bills can also be made through ECS.
NACH is a service provided by the National Payment Corporation of India (NPCI) to banks, Financial Institutions and Corporate & Government Services. It aims at facilitating repetitive and periodic interbank high or low volume debit/ credit transactions.
PDC’s are cheques written and given by the payers for a future date. You can cash or deposit the PDC’s on the date mentioned on the cheque. It functions as a bill of exchange and cannot be payable or demanded before the date written on the cheque.
Standing order or standing instruction enables the account holder to pay mortgage, rent or any other fixed payments to another bank/account at a regular interval.
You have two major ways of checking the status of your personal loan application. Online mode and offline mode. Most lenders provide both the modes to track the status.
With the online mode of tracking, you can log in to the online portal of the lender and check the status of your application. Your application number or reference number or Customer ID serves as the input. Online mode provides a lot of convenience and you can check your status anytime, anywhere.
In case of offline mode, you can visit the branch office of the lender to track and check the status of your loan application. Also, you can reach out to them through telephone using the customer care number.
A Personal Loan Statement includes necessary details regarding your loan account such as payment due date, EMIs, and loan balance. You can get the statement both online and offline. In case you need it online, just log in to the online portal of the lender using your credentials, and request for the statement. You can either have it downloaded in a pdf format or have it sent to your email id. In case of offline means, you can visit the branch office and request for the same.
Sometimes, it may so happen that, after availing a Personal Loan, you are still unable to fulfill all your financial needs. In that case, you can opt for a Personal Loan top-up. A top-up loan can be availed over and above the Personal Loan. You can get top-up loans at lower interest rates as compared to your existing Personal Loan interest rate. The top-up facility is an extremely reliable and flexible option to meet your financial needs. In addition, you can also consolidate your debt and pay off all your dues.
Here are the benefits of Top-up Loan:
Once you pay off your personal loan, there are certain things to be followed:
The No Dues Certificate is issued by your lender after you pay off the debt. This document confirms that you have paid all your debts and there is no further repayment. It is important to have this document handy for all further application processes as it proves to your future lender that you have paid your previous loan and nothing is outstanding. So, you need to ask your lender to furnish the document to you once complete repayment is done.
In case, there are some unused or post-dated cheques, it is better to collect it from your lender. This officially marks the completion of the loan process.
It is advisable to check your credit score after the loan is closed. This is to ensure that there is no difference in the score. Also, since there is no further payment involved, the positive impact on loan can be a little less as compared to when repayments were to be done. Hence, you must keep a track of repayment history and credit score.
To avail your Personal Loan, you must fulfill certain eligibility criteria that includes age, work experience, credit score and more. If you fulfill all these requirements along with providing required documents, the chances of getting the application rejected can be greatly avoided.
Your credit score reflects your ability to repay the loan and is a factor considered by every lender. CIBIL Score of 760 and above is a very good score to get a Personal Loan. You can improve your score by repaying your existing loans, bills, installments and credit card dues on time.
Borrow only when required, else avoid it. If you have an outstanding loan amount that is more than what you can pay, then your chances of getting personal loan decrease. Also, ensure to keep your debt to income ratio low.
Multiple Loan applications can indicate to the lender that you are not financially stable and are debt ridden. This will definitely lead to the rejection of your Personal Loan. This rejection will bring down your credit score further, making the process of application even more difficult.
Afraid that your bad credit history will sabotage your chances of getting a loan? Reduce your odds of loan rejection by having a stable income. Any recent appraisals or additional income sources improve your chances.
On 27th March 2020, the Reserve Bank of India (RBI) had announced a loan moratorium of three months i.e., till May 2020. It was later extended to six more months, to help the pandemic-struck economy. Responding to a call for further extension and an interim Supreme Court order for a stay on declaration of NPAs (Non-Performing Assets), RBI informed the Supreme Court that continuing the moratorium further would affect the entire credit discipline. According to the RBI, it could have negative effects on overall credit discipline, and better options would be rebalancing of the borrower’s debt burdens and announcing banking regulations.
Personal loans are one of the most ideal forms of lending. Being an unsecured loan, one does not require to provide any collateral to avail it. A personal loan helps in financing a variety of financial requirements. The loan funds can be utilised for all kinds of requirements, as long as you’ve b.....
If we take the current loan market into consideration, the process of getting a personal loan is more convenient today than it has ever been. Faster application-to-sanction processes, alternate credit eligibility criteria and flexible repayment options have allowed borrowers to be able to finance.....
A personal loan is the most preferred choice when it comes to loans. Most people opt for this loan due to its flexibility and ease of access to funds and unrestricted usage be it home renovation, wedding expenses, medical treatment or higher education. This loan offers instant approval and quick .....
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Due to the economic decline and an atmosphere of financial uncertainty caused by the pandemic, the Indian government announced an additional three month extension for term loan moratorium, making the end date now the 31st of August, 2020. This provided relief to millions of Indian who were strugg.....
36% of Indian travellers are eager to satiate their wanderlust by travelling in the next 3 months, as revealed by a recent survey conducted by Zostel. Close to 32% of the respondents are planning to wait till the year end and resolve to travel in the next year.(2) If you too are among those confi.....
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When faced with a situation that demands immediate financial respite, an online personal loan is your best go-to option! There are several advantages of applying for a personal loan online. Some of them include:
Personalized choices for Loans, Cards, Insurance, Investments & UPI Payments along with No Cost EMI offers to shop for a wide range of lifestyle products – discover more on the Finserv MARKETS App.
A personal loan is a type of unsecured loan that is usually availed by people in case of financial emergencies. Banks and NBFC offer Personal Loans to the borrowers.
With Finserv MARKETS, you can avail a Personal Loan from the comfort of your home. There’s no third-party involved, the online application process is super secure and paperless. Also, you get to choose from a variety of exclusive loan products that are tailor-made to suit your needs.
First, you need to submit your application to the lender. It is then verified and approved by the lender. Once approved, the loan amount is disbursed into your bank account. Once you submit your loan application to a lender for a personal loan, the lender verifies and approves it. Post this, the loan amount is disbursed into your bank account. Post you receive the loan amount; you need to start paying the EMIs within the repayment tenure you choose.
You can opt for a Personal Loan when you need financial assistance for purposes like wedding, travel, education, home renovation, medical emergency or more.
You can apply for a personal loan if:
Usually, Rs. 50,000 is the minimum personal Loan amount, one can borrow.
Most banks and NBFCs offer up to Rs. 25 Lakhs as the maximum Personal Loan amount.
The tenure ranges from 1 year to 5 years.
Personal loan disbursal is the release of funds or the loan amount by the lender in the customer’s bank account. The loan disbursal takes place after the lender approves and verifies the borrower’s loan application and submitted documents. The disbursal of Personal Loans usually varies from 24 hours to a few days.
I was facing a financial crunch in these tough times. I initially hesitated to opt for a personal loan because of high interest rates. But, after calculating the personal loan interest rates via the EMI calculator on Finserv MARKETS, I was relieved. I then received a personal loan with an affordable interest rate within a day.
Posted on 20 Nov 20
In these tough times, I was simply tired and bored; the same dull wall paints, old wardrobes and a balcony without sunlight. So I decided to get a personal loan for home renovation. Thanks to Finserv MARKETS for providing this quick and convenient personal loan.
Posted on 20 Nov 20
Right from childhood, I had a dream. To pursue higher education from the best university. But I was not able to get enough funds. But I got help on Finserv MARKETS through a personal loan for education. My dream will soon be a reality.
Posted on 20 Nov 20
No words to describe my feelings after I received funds instantly on Finserv MARKETS. I initially thought that getting a personal loan was time consuming and burdensome. But I was proved wrong. Genuinely happy, thanks a ton!
Posted on 19 Nov 20
Never knew that I would receive a personal loan at a lightning fast speed. The feeling of actually getting a personal loan on Finserv MARKETS, and that too within a day, is awesome. Believe me, the feature of quick disbursal is simply great.
Posted on 19 Nov 20
It was the first time I took a personal loan, and the easy loan process on Finserv MARKETS made it a smooth sail for me. Excellent customer service also made things smoother.
Posted on 24 Oct 20
For a first timer, it was less complicated than I thought to process a loan on Finserv MARKETS. Customer service was good too.
Posted on 24 Oct 20
If you are also looking for a fast personal loan like I was, you will be impressed with the Personal Loan offered by Finserv MARKETS. It's quick, it's convenient, and it offers the best rates.
Posted on 23 Oct 20
Documentation is usually a tiring process, but the easy loan process for Personal Loan on Finserv MARKETS had no unnecessary forms to fill. The loan disbursal was rapid too.
Posted on 23 Oct 20
I have taken personal loans before but Finserv MARKETS gave me the best personal loan service with fast loan disbursal, flexible tenure, and other quality services.
Posted on 22 Oct 20
With the easy loan process, low interest rates, and high amount from Finserv MARKETS, our personal loan journey was highly satisfactory.
Posted on 22 Oct 20
With the easy loan process and instant disbursal of Personal Loan on Finserv MARKETS, the renovation of my home got completed without any pressure. It is indeed the best!
Posted on 21 Oct 20
I was able to fulfill my dream of royal wedding only because of the fast disbursal process of the best personal loan available on Finserv MARKETS. Not to mention, the customer service was excellent.
Posted on 21 Oct 20
I took a Personal Loan from Finserv MARKETS last year for an emergency. The fast loan disbursal was such a relief, and so was the flexible repayment tenure.
Posted on 20 Oct 20
Features like no collateral, zero foreclosure charges, and flexible tenure make Finserv MARKETS the place to go to for the best personal loan.
Posted on 20 Oct 20
In these tough times, I had a medical emergency, and fell short of cash. Luckily, the personal loan online on Finserv MARKETS came to my aid. The instant personal loan was disbursed within 24 hours, allowing me to meet the cost of medical treatment with ease. I could choose from the list of online personal loan lending partners, and also avail attractive interest rates.
Posted on 19 Oct 20
I wanted to make part-prepayment of the online personal loan availed on Finserv MARKETS. It was a hassle-free process, which reduced my outstanding principal amount. The part-prepayment process on personal loans online also helped me reduce the EMIs and rate of interest. Trust Finserv MARKETS for instant personal loans!
Posted on 19 Oct 20
In these tough times, work from home has become the norm. I faced a shortage of funds to buy furniture and refurbish my working space. Luckily, a friend told me about the personal loan for home renovation. I compared various lending institutions, and selected Finserv MARKETS because of the hassle-free online personal loan disbursal process. I have no qualms in admitting that this best personal loan has made work from home easier and convenient.
Posted on 18 Oct 20
After I received my required amount of online personal loan on Finserv MARKETS, I still fell short of my financial needs. I then opted for a personal loan top-up. It was over and above the amount of my personal loan. The best part was that the top-up loan had a lower interest rate as compared to my personal loan interest rate. The instant personal loan on Finserv MARKETS is invariably an extremely reliable and flexible option to meet all financial requirements.
Posted on 18 Oct 20
I required a high-value personal loan of 20 lakh. I compared various financial institutions, and zeroed-in on Finserv MARKETS. After I provided documents related to my repayment capacity, like proof of income and CIBIL score, my loan application was approved within minutes. This personal loan online helped me meet my expenses during this tough time. Needless to say, the best personal loans are available on Finserv MARKETS.
Posted on 17 Oct 20
I was looking to apply for a personal loan. But I was under the impression that a personal loan would require hefty interest payments. I was quite surprised when I visited Finserv MARKETS for an online personal loan, and saw attractive interest rates. Thank you Finserv MARKETS!
Posted on 17 Oct 20
I wanted a personal loan for my child’s higher education. When I visited Finserv MARKETS, I knew that I had come to the right place. The personal loan online here, provided me a high-value loan. I was relieved to know that I could repay the personal loan in flexible tenures - from one year to five years. I can say with conviction that the best personal loans are available on Finserv MARKETS.
Posted on 16 Oct 20
I came to know about the debt consolidation personal loan, available on Finserv MARKETS. This personal loan online allowed me to secure a lower rate of interest on the entire load of debt. With this best personal loan, I also managed to save the expenses related to the cost of finance.
Posted on 16 Oct 20
I wanted to apply for an online personal loan. I was initially apprehensive whether I would get a personal loan to suit my requirements. But, I could choose from a wide range of personal loan products on Finserv MARKETS. What’s more, because of the hassle-free process, I received an instant personal loan. Thanks to Finserv MARKETS.
Posted on 15 Oct 20
My online personal loan on Finserv MARKETS was approved within minutes, and required minimal documentation. The personal loan application had simple eligibility conditions too. Once my personal loan was approved, the loan amount was disbursed in my bank account within 24 hours. Hats off to Finserv MARKETS for the instant personal loan.
Posted on 15 Oct 20
My experience with Finserv MARKETS was stress free and not at all time consuming. I applied for the loan with the mobile application and the app has been very helpful. I can carry out online transactions, view my loan status and manage my finances all with one app.
Posted on 14 Oct 20
The personal loan application and approval process is efficient and the loan terms are clear. Managing the loan through their online portal was also pleasant. The process was simple and easy. The repayment terms are good too. Highly recommended!
Posted on 14 Oct 20
Never thought getting a personal loan could be this simple. I was running short of money for my daughter’s wedding. But with the help of Finserv MARKETS, I got the loan disbursed in no time. The online portal made it easier for me to apply for the loan and didn't face any major problem with the process. Best services for loan.
Posted on 13 Oct 20
Simple processing and no documentations, everything was handled online. Smart way to get financing in my busy schedule. Ideal for those who are looking for good responsive loan approval. Even my income information, and documents were processed online. Online application helped me to get a loan without visiting the bank.
Posted on 13 Oct 20
Looked up for instant loans as I was in an immediate need of money. I applied for a Bajaj Finserv personal loan and it was good. The loan eligibility criteria were minimal and rates and charges were also nominal. I got the best rate on the loan amount. I also find the repayment process very convenient, to be honest.
Posted on 13 Oct 20