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Personal loans catering to the unique financial needs of NRIs through a simple and convenient application process
A personal loan for NRIs provides a convenient and affordable financial solution with interest rates starting from 10% p.a.. You can borrow up to ₹55 Lakhs to meet various needs, such as education, medical expenses, or home improvements. With a repayment tenure of up to 108 months, the loan ensures flexibility and manageable EMIs. Minimal documentation and quick approvals make this loan an efficient option for NRIs looking to address their financial requirements with ease
| Available Offerings | Starting Interest Rate (p.a.) | Max. Loan Amount | Processing Fee |
|---|---|---|---|
10% p.a. |
₹55 Lakhs |
Upto 4.13% of the loan amount (Inclusive of applicable taxes) |
|
12.75% p.a. |
₹5 Lakhs |
2% to 3% of the loan amount + 18% GST |
|
14% p.a. |
₹5 Lakhs |
Up to 2% of the loan amount |
|
15.95% p.a. |
₹10 Lakhs |
Up to 3% of the loan amount |
|
13.99% p.a. |
₹10 Lakhs |
2% to 5% of the sanctioned amount |
|
14% p.a. |
₹4 Lakhs |
3% to 5% of the loan amount |
|
10.99% p.a. |
₹40 Lakhs |
1.10% - 1.50% of the loan amount + GST |
|
12% p.a. |
₹10 Lakhs |
Up to 5.1% + GST |
|
12% p.a. |
₹15 Lakhs |
Up to 3% of the loan amount + GST |
|
12% p.a. |
₹5 Lakhs |
1% onwards |
|
1.33% p.m. |
₹10 Lakhs |
Starts from 2% of the approved loan amount |
|
18.96% p.a. |
₹2 Lakhs |
₹50 to ₹200 + 18% GST (maximum APR of 48%) |
|
14.5% p.a. |
₹10 Lakhs |
2% to 4% of the loan amount |
|
18% p.a. |
₹1 Lakh |
2% to 12% of the loan amount |
|
14% p.a. |
₹5 Lakhs
|
2% to 2.5% of the loan amount + GST or ₹500 + GST (whichever is higher) |
|
17.25% p.a. |
₹6 Lakhs |
1.50% to 4.50% of the loan amount |
|
12% p.a. |
₹25 Lakhs |
0% to 6% of the loan amount |
|
18% p.a. |
₹5 Lakhs |
2% to 6% of the loan amount |
|
16% p.a. |
₹5 Lakhs |
3.00% |
|
6% p.m. |
₹1.5 Lakhs |
3%-10% |
|
17.99% p.a. |
₹5 Lakhs |
3%-5% |
|
16% p.a. |
₹5 Lakhs |
Up to 5% of the loan amount plus applicable taxes |
*Disclaimer: The mentioned details are subject to change at the lender’s discretion.
Borrow an amount of up to ₹55 Lakhs, allowing you to meet diverse financial needs with ease and convenience.
The interest rate for personal loans for NRIs starts from 10% p.a., offering an affordable borrowing option.
The loan amount can be used for various purposes, such as medical expenses, education fees, weddings, travel, or consolidating debts.
You can get a loan without providing any form of collateral, ensuring a hassle-free borrowing experience.
To qualify for a personal loan, the following requirements must be met:
| Requirement | Criteria |
|---|---|
Citizenship |
Indian |
Employment |
Salaried professional or self-employed |
Age |
18 years or above |
Monthly Income |
₹10,000 or more |
Work Experience |
Minimum 1 year |
CIBIL Score |
600 or above |
To apply for an instant loan, ensure you have the following documents:
A valid identity proof such as PAN card, Aadhaar card, voter ID, passport, or driving licence
An address proof document, including options like Aadhaar card, voter ID, passport, driving licence, electricity bill, or telephone bill
Recent bank statements or salary slips from the last three months to verify your income
Two passport-sized photographs for documentation purposes
You can get a personal loan online for an NRI by following these simple steps:
Click here to begin the process for checking eligibility
Provide your personal details by completing the application form
Specify the loan amount and repayment tenure that best suits your financial needs
Submit the completed form for verification purposes
After submission, a representative will contact you to guide you through the remaining steps of the application process.
|
The loan amount NRIs can access depends on their income, credit score, employment status, and repayment capacity. Lenders evaluate these factors alongside their internal policies to determine the eligible amount.
Yes, a credit score is applicable for NRIs. Lenders consider an applicant’s credit history and score to assess their repayment capacity. A good credit score improves the chances of approval and may help secure favourable loan terms.
Yes, NRIs can apply for personal loans in India if they satisfy the lender's eligibility requirements. Depending on the lender, applicants may need an NRE/NRO account, stable overseas income, and supporting documentation to complete the application process.
This can depend on the lender's policy. Some lenders may require an Indian co-applicant, guarantor, or close family member to support the application, while others may assess applications independently based on the applicant's financial profile.
NRIs are typically required to provide identity proof, passport copies, visa or work permit details, overseas address proof, income documents, photographs, and relevant bank statements. Additional documents may be requested depending on the lender.
Interest rates vary across lenders and are determined by factors such as income, creditworthiness, employment profile, loan amount, and repayment tenure. Applicants should compare available offers before making a borrowing decision.
Yes, lenders may allow NRIs to initiate and complete a significant portion of the application process online. However, additional verification, documentation, or lender-specific requirements may apply before approval and disbursal.
Several banks and financial institutions may offer personal loans to eligible NRIs, subject to their lending policies. Loan availability, eligibility criteria, interest rates, and documentation requirements can differ from one lender to another.
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