Eight loan purposes, each with its own indicative rate, amount, tenure and fees. Figures are ranges for illustration — your actual offer depends on credit assessment.
A personal loan for renovation, repairs, or topping up a down payment — not a secured mortgage against the property.
Eligibility (indicative): age 21–60, salaried or self-employed, minimum monthly income around ₹20,000. Fees: processing fee up to 2% + GST*, foreclosure typically nil after 12 EMIs*.
Covers venue, catering, jewellery or other wedding-related costs, disbursed as a lump sum.
Eligibility (indicative): age 21–58, salaried or self-employed, minimum monthly income around ₹18,000. Fees: processing fee up to 2.5% + GST*, foreclosure typically nil after 12 EMIs*.
For planned or emergency medical treatment costs not covered by insurance.
Eligibility (indicative): age 21–60, salaried or self-employed, minimum monthly income around ₹15,000. Fees: processing fee up to 2% + GST*, foreclosure typically nil after 6 EMIs*.
For flights, stays and holiday expenses, planned in advance.
Eligibility (indicative): age 21–60, salaried or self-employed, minimum monthly income around ₹20,000. Fees: processing fee up to 2.5% + GST*, foreclosure typically nil after 12 EMIs*.
Tops up tuition, hostel or exam-related costs for higher studies. A co-applicant (parent/guardian) is usually required for students without independent income.
Eligibility (indicative): student + co-applicant, co-applicant income around ₹25,000/month; moratorium available on request*. Fees: processing fee up to 1.5% + GST*, foreclosure typically nil after 12 EMIs*.
For a two- or four-wheeler purchase, or a down-payment top-up.
Eligibility (indicative): age 21–60, salaried or self-employed, minimum monthly income around ₹20,000. Fees: processing fee up to 2% + GST*, foreclosure typically nil after 12 EMIs*.
Working capital or growth funding for a self-employed applicant or small business owner.
Eligibility (indicative): business vintage 2+ years, last 2 years' ITR typically required. Fees: processing fee up to 3% + GST*, foreclosure charges may apply in the first 6 months*.
Combines multiple existing debts into a single monthly EMI, at a single rate.
Eligibility (indicative): existing repayment record reviewed; a credit score of 650+ is typically preferred*. Fees: processing fee up to 2% + GST*, prepayment penalty typically nil after 12 EMIs*.
*All rates, amounts, tenures and fees above are indicative ranges for illustration only — not a confirmed offer. Your actual terms depend on income, credit history, existing obligations and the lender's policy at the time of application. Use the EMI calculator and eligibility check for a personalised estimate before applying.