Instant Personal Loans
Up To ₹50 Lakhs
Access pre-approved personal loans from 40+ premier banks & NBFCs with interest rates starting at 10.25% p.a. and flexible tenures up to 5 years.
Check Loan Eligibility
Takes only 60 seconds • No impact on credit score
Personal Loan EMI Calculator
Simulate your monthly installment and total interest payout across customized loan amounts and tenures.
Benefits of Personal Loans via JustPaisa
Enjoy transparent borrowing terms, zero unexpected penalties, and pre-negotiated partner rates.
Zero Collateral Required
Unsecured credit requiring no pledging of gold, property deeds, or mutual fund assets. Instant approval based on credit profile.
Direct Account Disbursal
Funds are credited directly to your registered bank account within 24 hours of successful e-KYC and digital e-mandate setup.
Multipurpose Usage
Use funds without restrictions for medical emergencies, home renovation, wedding planning, higher education, or debt consolidation.
Flexible Repayment Terms
Select tailored repayment tenures from 12 to 60 months with zero foreclosure charges after 12 successful EMI payments on select lenders.
Competitive Interest Rates
Starting from 10.25% p.a. for borrowers maintaining a 750+ CIBIL score. Pre-negotiated corporate discounts available.
100% Digital Processing
Say goodbye to branch visits and paper files. Upload bank statements via Account Aggregator or Net Banking in minutes.
Compare Top Personal Loan Offers
Updated interest rates, maximum loan limits, and processing fee terms for September 2026
| Lending Partner | Interest Rate (p.a.) | Max Amount | Tenure | Processing Fee | Action |
|---|---|---|---|---|---|
| H HDFC Bank | 10.50% - 17.50% | ₹40 Lakhs | 12 - 60 Months | Up to 2.50% | Apply |
| I ICICI Bank | 10.75% - 19.00% | ₹50 Lakhs | 12 - 72 Months | Up to 2.00% | Apply |
| S State Bank of India (SBI) | 10.30% - 15.15% | ₹20 Lakhs | 6 - 72 Months | Zero to 1.50% | Apply |
| A Axis Bank | 10.49% - 21.00% | ₹40 Lakhs | 12 - 60 Months | 1.0% - 2.0% | Apply |
| K Kotak Mahindra Bank | 10.99% - 22.00% | ₹35 Lakhs | 12 - 60 Months | Up to 3.00% | Apply |
Eligibility & Document Checklist
Review criteria before applying to speed up your credit approval process.
Eligibility Criteria
- ✓ Age: Between 21 and 60 years old at time of application.
- ✓ Minimum Net Income: ₹20,000/month for salaried; ₹25,000/month for tier-1 cities.
- ✓ Credit Score: Preferable CIBIL / Experian score of 700+ for best interest brackets.
- ✓ Employment Stability: At least 1 year total work experience with 6+ months in current company.
- ✓ Citizenship: Indian citizen with active domestic bank account.
Required Documents
- 1 Identity Proof: PAN Card (Mandatory) & Aadhaar Card / Passport.
- 2 Address Proof: Aadhaar Card, Driving License, Voter ID, or Utility Bills.
- 3 Income Proof (Salaried): Last 3 months' salary slips and Form 16.
- 4 Bank Statements: 6 months of main salary/operating account statements (e-PDF or Account Aggregator).
- 5 Self-Employed: Last 2 years ITR with computation of income and business continuity proof.
How to Get Personal Loan in 4 Steps
From application to money in your bank account — smooth and automated.
Check Eligibility
Enter basic employment details and mobile number to unlock customized bank pre-approvals.
Compare & Choose
Pick the lender offering the lowest interest rate and favorable tenure for your monthly budget.
Instant e-KYC
Complete Aadhaar OTP verification and digital income verification in under 3 minutes.
Direct Disbursal
Set up NACH auto-debit and receive money disbursed straight into your bank account.
Frequently Asked Questions
Everything you need to know about personal loan interest rates, tenures, and repayment.
Unlock Your Pre-Approved Personal Loan Today
Check your eligibility across 40+ banks in 60 seconds with zero paperwork and zero score impact.