At the lowest interest rates, avail a loan up to maximum Rs.5 Lakh without any difficulty, in a short period of time with minimum documents for your personal use.

Limits of Loans:

  1. Maximum loan up to Rs.5.00 lakh

Income Eligibility:

  1. Salaried : Minimum average monthly take home salary after deducting all EMIs should be 
Loan Amount Metro/Urban Cities Semi-Urban/Rural Cities
Upto Rs.2.00 lakh Rs.20,000/- p.m. Rs.15,000/- p.m.
Upto Rs.5.00 lakh Rs.25,000/- p.m. Rs.20,000/- p.m.

  1. Businessmen:  Having an experience of at least 1 year of business and I.T Returns for last one year reflecting Gross cash accruals of Rs. 1.50 lakh p.a

CIBIL rating should be 750 & above + (personal loan cibil score to be considered )

Basis of Advance:

  1. Salaried: 20 times of average monthly net salary for last 3 months
  2. Businessmen :3 times of average of last three years Gross cash accruals


  1. Maximum Rs. 5.00 lakh whichever is lower.

Whichever is less.

Repayment Period:

  1.  Maximum 60 months

Rate of Interest (Fixed):

  1. Fixed @ 14.00% p.a.


  1. Compulsory ECS/S.I. from Salary account/Business A/c​
  2. Hypothecation of Household Articles, consumer durables/ articles purchased

Processing Fees: w.e.f  19.12.2022

  1. Rs. 2500/- irrespective of the loan amount
(No other charges such as CIBIL/ other credit agency, FI & CERSAI.)


  1. 2.50% of loan amount (Maximum Rs. 25000/-)

Documents Required:

  1. Prescribed loan application form
  2. Latest Photograph, Photo ID Proof and Residence Proof of the Applicant
  3. Salary slips for last 3 months and Bank statement for last 3 months or Form No.16 of the Applicant of last one year
  4. For Businessman ITR copies of last three years, 3 month Bank statement

Other conditions:

Insurance covering Partial permanent disability or death liability to be obtained

[Conditions Apply*