Avail Instant Personal Loans ✓ Loan up to 50 Lakhs ✓ Quick Disbursal ✓ Minimum Documentation! Apply Now

Upwards is an RBI-registered NBFC that offers affordable personal loans to salaried individuals. Leveraging data science-driven underwriting algorithms, Upwards makes the process of borrowing seamless. Be it debt consolidation or home renovation, with an unsecured Upwards Personal Loan you can finance all your varied expenses without dipping into your savings. You can borrow up to ₹5 Lakhs to meet urgent needs like paying medical bills or funding your child’s education.

Upwards Personal Loan Details

Interest Rate

1.50%-2.50% per month

Processing Fee

Up to 4% of the loan amount

Loan Amount Range

Up to ₹5 Lakhs

Maximum Loan tenure

36 Months

Disbursal Time

Same day disbursal

To apply for a quick Upwards Personal Loan, you can visit Bajaj Markets. The entire application process is digital, requires minimum documents and comes with the guarantee of swift disbursals.

Upwards Personal Loan Interest Rates

Making personal loans affordable, Upwards offers loans starting from an affordable rate of just 1.50% p.m. However, depending on your profile, Upwards Personal Loan interest rates can range up to 2.50% p.m. The applicable interest rate for the loan is determined after evaluating your credit score, credit history, age, loan tenure, income levels and employment status

Upwards Processing Fees & Charges

When applying for an Upwards quick personal loan, you will have to shoulder certain associated fees and charges. We have outlined these charges below:

  • Processing Fees : Up to 4% of the loan amount with a minimum of ₹500
  • Foreclosure Charges: 5% of the outstanding balance

Upwards Loan Eligibility Criteria

Applying for an Upwards loan is easy as the eligibility criteria for these loans are quite basic. You can avail of an Upwards quick personal loan if you are:

  • An Indian resident above 21 years of age.
  • A salaried individual with a minimum monthly salary of ₹20,000.
  • A work experience of at least 2-3 years.

Upwards Loan Documents Required

Keeping the application process simple, Upwards loans require only minimal documentation to be processed and sanctioned. Here’s a list of documents you should keep handy when applying for an Upwards Personal Loan:

  • Identity Proof - A copy of your PAN Card/Aadhaar Card.

  • Address Proof -  A copy of your Aadhaar Card/Voter ID Card/Driving Licence.

  • Income Proof - Bank statements and salary slips for the last three months.

  • Photo ID - A recent selfie.


Note: Applying for Upwards Personal Loans through the STP programme eliminates the need for banking documents. However, this is an indicative document list and may vary on a case-by-case basis.

Calculate Your Upwards Loan EMI

Loan Amount
  • Months
  • Years
Rate of Interest

Monthly EMI

at % interest rate for months

Total Amount Payable
Principal Amount
Total Interest
Year Principal Interest Balance

Features and Benefits of Upwards Personal Loan

Flexible Loan Amount

Flexible Loan Amount

With an Upwards Personal Loan, you can borrow anywhere between ₹20,000 to ₹5 Lakhs. This gives you enough flexibility to fulfil your requirements comfortably.
Pocket-Friendly Interest Rates

Pocket-Friendly Interest Rates

Upwards Personal Loan interest rates range from 1.50%-2.50% per month. These affordable interest rates keep your EMI burdens in check.
Flexible Repayment Tenures

Flexible Repayment Tenures

You can comfortably repay your Upwards Personal Loan over a tenure of 36 months.
Minimum Paperwork

Minimum Paperwork

Applying for an Upwards Personal Loan is as easy as uploading a few essential  KYC documents.
Same-Day Disbursals

Same-Day Disbursals

Upwards Instant Loans offer same-day disbursals meeting your need for emergency cash in a jiffy.
Collateral-Free Loans

Collateral-Free Loans

Upwards Personal Loans are unsecured loans. Thus, you can apply for these loans without submitting any collateral or guarantees.
Digital Application Process

Digital Application Process

Gone are the days when you had to visit brick-and-mortar offices to apply for loans. Now, you can apply for an Upwards Personal Loan online from the comfort of your home. 
Multi-Purpose Personal Loans

Multi-Purpose Personal Loans

From  financing your wedding to clearing medical bills, you can use an Upward personal loan to meet various needs.

Know How Upwards Personal Loans Can Help You

Upwards quick personal loans can help meet various cash crunch situations. Since you can use an Upwards Personal Loan for a variety of purposes, they can come in handy in various ways. From medical emergencies to home renovation, here’s a list of how Upwards Personal Loans can help you:

  • Travel: You don’t need to wait years to plan a dream holiday. With an Upwards Personal Loan, you can bridge the gap in your travel funds and head off to your next dream vacation.
  • Education: Lack of funds shouldn’t curb your educational aspirations. You can use an Upwards Personal Loan to fund your college or University education in India and abroad.

  • Marriage: Weddings are a costly affair in India. From buying jewellery to booking a venue and caterer, the expenses are endless. You can manage these expenses without dipping into your savings with an Upwards Personal Loan.

  • Medical Emergency: The unpredictable nature of medical emergencies means we must always stay prepared. However, if you’re financially unprepared for such emergencies, you can opt for an Upwards Personal Loan to ease the expense burden.  


Upwards also offers special personal loans for salaried women. They can avail these loans to meet various requirements like travel expenses, medical bills, or simply to purchase lifestyle items.

Read More

How to Apply for Upwards Personal Loans?

You can apply for an Upwards Instant Loan on Bajaj Markets in just a matter of minutes if you follow the below-mentioned steps:

  • Visit the personal loan page on the Bajaj Markets website.

  • Click on the ‘Apply Now’ option.

  • Enter your personal details like name, age, income, etc.

  • Select Upwards as your preferred lending partner.

  • Enter the loan amount and repayment tenure of your preference.

  • Once the verification is concluded, your application will be approved and the loan amount will be disbursed to your bank account.

Apply for a Personbal Loan Now

Comparison of Upwards Loan with other Partner Lenders

Lending Partner Name

Interest Rate Range

Avail Laon


30% p.a. Onwards

Apply Now


14% p.a. Onwards

Apply Now


15.95% p.a. Onwards

Apply Now

IIFL Finance

18% p.a. Onwards

Apply Now


21% p.a. Onwards

Apply Now


15% p.a. Onwards

Apply Now

Kotak Mahindra Bank

10.99% p.a. Onwards

Apply Now

L&T Finance

11% p.a. Onwards

Apply Now


16% p.a. Onwards

Apply Now


24% p.a. Onwards

Apply Now

Muthoot Finance

14.50% p.a. Onwards

Apply Now

PaySense Partners

14% p.a. Onwards

Apply Now


9.99% p.a. Onwards

Apply Now


2% p.m. Onwards

Apply Now

SMFG India Credit

12% p.a. Onwards

Apply Now


10.99% p.a. Onwards

Apply Now

* Interest rates are subject to change as per the financial institution’s policies.

Upwards Personal Loan Customer Care Details

If you are in need of assistance with your personal loan application, you can contact the Upwards customer care service using one of the following routes:

  • Call: You can call the Upwards customer service centre at 1860-267-4777 to register your query.

  • Email: You can email your concerns to help@go-upwards.com.

FAQs for Upwards Personal Loan

Choosing an Upwards Personal Loan from Bajaj Markets will ensure a hassle-free application process and speedy approvals. In other words, you can apply for the loan online with minimum documents, access customised offers and enjoy instant approvals. Additionally, as a trusted financial partner, Bajaj Markets also brings you the benefits of complete transparency.


Yes. To check your Upwards Personal Loan statement online, you simply need to log into the Upwards mobile app.


The applicable interest rate on your personal loan is decided after evaluating certain factors. Your credit score, credit history, loan amount and monthly income play an important role in determining the applicable interest rate.


With an Upwards Personal Loan, you can borrow a minimum of ₹20,000 and a maximum of ₹5 Lakhs.


You can get in touch with the Upwards customer care centre via call or email. You can call the Upwards customer service centre at 1860-267-4777 or send an email to help@go-upwards.com. 


Loan Offer
Download App
Credit Score