Get Your Personal Loan with
Attractive Interest Rates

Apply for Personal Loan to fulfill all your financial needs

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Cities Covered
555+
Happy Customers
1 Lacs+
Banking Partners
158+
Disbursed Annually
₹53 BN

Get Instant Personal Loan

A quick and easy way to deal with financial emergencies is a Personal Loan. Simply put, it is fundraising, so you don't have to worry about collateral. Your background does not matter. You could be a salaried professional, a self-employed entrepreneur, or a retired personnel. Your loan is customized to your needs.

Through Doloans, enjoy instant funds, disbursal in as little as 24 hours, and flexible terms. Compare among 50+ banks and NBFCs to match a term favourable to you. Share your contact details, and we'll take care of the rest. Fast-track your planning with a user-friendly EMI and eligibility calculator tool.

So if you're aiming for a simple and convenient financing experience, a Personal Loan from Doloans could be your ideal financial companion.

Personal Loan Detail

1

Loan Type

Unsecured (No collateral required)

2

Loan Amount

₹10,000 to ₹50 Lakhs

3

Interest Rate

Starting from 9.75% p.a.

4

Repayment Tenure

12 to 84 months

5

Usage Flexibility

No end-use restrictions

6

Available In

50+ cities across 18+ states

7

Support

Expert guidance throughout the process

How to Check Your
Personal Loan Eligibility

Find out how much of a personal loan you can avail of online based on your income and profile.

Requirements
Employment
Age
Minimum Monthly Income
Credit Score

How to Use Your Personal Loan

Are you facing unexpected expenses? Personal loans can assist you in meeting these needs without requiring collateral. Use the instant personal loan scheme to address urgent requirements with ease and convenience.

Medical Emergencies

Cover sudden hospitalisation or medical expenses not covered by insurance.

Home Renovation

Upgrade or repair your home easily, from painting and plumbing to complete remodelling.

Wedding Expenses

Fund a dream wedding, whether venue bookings, jewellery, or catering.

Travel and Vacation

Explore the world or take a much-needed break without dipping into your savings.

Compare Best Personal Loan in India

Compare Personal Loan online from banks and NBFCs to find the most affordable option.

Filters
Bank/NBFC Interest Rate Processing fee Loan Amount Tenure Action
Important: The interest rates and fees listed are merely suggestive and may change based on your profile and the lender's policies.
* Processing fees vary based on the loan amount and may be adjusted according to the lender's policies.

What Makes Doloans
Your Ideal Partner for Personal Loan?

Obtain hassle-free personal loans with attractive rates and flexible repayment terms.

Quick Approval

Get fast access to personal loans without the usual hassle, featuring attractive interest rates and convenient repayment terms.

Flexible EMI Options

Choose from repayment options of up to 5 years with affordable EMIs customised for your financial needs.

Competitive Rates

Take advantage of competitive rates starting from 9.75% along with a clear and transparent fee structure.

Zero Repayment Charges

Repay your loan early whenever you like, no extra fees or penalties applied.

No Impact on Credit Score

Check your eligibility with zero impact on your credit score.

100% Digital Process

Enjoy a fully online, paperless application experience from start to finish.

Smart EMI Calculator for
Personal Loan

Loan Amount
10,00,000
Interest Rate
9%
Loan Term
5Yr
Break-up of Total Payment
₹ 20,758Per Month EMI for 5 Years
Twenty Thousand Seven Hundred And Fifty Eight

Principal Amount (Total Amount for loan)

₹10,00,000

Interest Payable (Total Interest throughout the loan duration)

₹2,45,501
Total Amount payable
₹12,45,501

EMI Payment Schedule

View Monthly and Yearly Payments

Personal Loan Eligibility:
Clear, Simple, and Accessible

A Personal Loan could be your financial solution if you meet the eligibility requirements. Here's a quick breakdown of the essential criteria, helping you confidently prepare and apply.

Age limit
Typically between 21 and 60 years at the time of the loan application
Income
A steady income from employment or business
Employment Type
Salaried, self-employed, or pensioners
Credit Score
A good credit score (usually 650 or higher)
Work Experience
Minimum 1-2 years of work experience (depends on lender)
Loan Amount
Varies based on income and repayment capacity. You can get anywhere from INR 10,000 to INR 50 Lakhs.
Personal loan eligibility meeting

Partnered With The Best Banks & NBFCs

Choose the Best Personal Loan from 50+ Trusted Lenders to Suit Your Unique Needs

IndusInd Bank
ICICI Bank
HDFC Bank
IDFC FIRST Bank
InCred
Piramal Finance
Tata Capital
Bajaj Finserv

How to Apply for a Personal Loan

Get your loan approvals in 3 instant steps.

Fill A Quick Online Form

Complete a form with your name, phone number, and city.

1

Get Verified

Our system swiftly processes your application and verifies your contact details in seconds.

2

Get Instant Loan Assistance

Receive a call from Doloans Loan Experts within 24 hours.

3
Signing a loan application document

Personal Loan in Top Cities

Serving 24+ cities across 15+ states with quick, affordable loans near you. Customised to your needs.

15+ States
24+ Cities
Delhi
DL
Delhi
Mumbai
MU
Mumbai
Pune
PU
Pune
Bangalore
BA
Bangalore
Chennai
CH
Chennai
Gurgaon
GU
Gurgaon
Noida
NO
Noida
Lucknow
LU
Lucknow
Kolkata
KO
Kolkata
Indore
IN
Indore
Bhopal
BH
Bhopal
Jaipur
JA
Jaipur
Coimbatore
CO
Coimbatore
Trivandrum
TR
Trivandrum
Ahmedabad
AH
Ahmedabad
Nagpur
NA
Nagpur
Ghaziabad
GH
Ghaziabad
Dehradun
DE
Dehradun
Vijayawada
VI
Vijayawada
Vadodara
VA
Vadodara
Surat
SU
Surat
Thrissur
TH
Thrissur
Baroda
BR
Baroda
Hyderabad
HY
Hyderabad

Key Benefits and Features of Personal Loan

Check all the perks of availing a Personal Loan at a glance.

Easy, Hassle-Free Documentation

Apply online with Doloans with minimal paperwork. Keep your ID, income, and address proof handy, and you're ready!

Total Freedom on How You Use It

You can use your small personal loan for home renovations, medical bills, or travel plans. There are no restrictions, just complete end-user flexibility.

Repay at Your Own Pace

Select a tenure that suits your budget. Enjoy flexible repayment options from 12 to 60 months, making loan management stress-free.

Lightning-Fast Disbursal

You can receive funds in your account within hours of approval, and this can be even faster if you have a pre-approved personal loan offer. There are no delays, just instant access to your loan.

Collateral-Free

A personal loan is an excellent unsecured credit option. Borrowers do not need to provide any collateral or security to obtain funding. Banks depend on an individual's creditworthiness for loan approval.

Loan Amounts Specific To Your Needs:

Your credit profile, income, profession, and more determine your approved loan amount. Borrow anywhere from ₹10,000 to ₹40 lakhs, with terms tailored to your requirements.

Factors That Impact Your Personal Loan

Your loan EMI depends on the interest rate, which varies based on key personal loan factors such as your credit score, income, loan amount, and repayment history. Understand these elements to secure the best rate for you.

Your income plays a crucial role. Those with higher and more stable incomes are perceived as more capable of repaying and typically receive lower rates. In contrast, individuals with lower incomes or poor financial histories may encounter higher interest rates.
Your credit score reflects your financial history, including debt, income, and repayment habits. A higher credit score indicates strong financial behaviour, often resulting in lower interest rates and better loan terms.
Lenders evaluate your employer's reputation to determine financial stability. Employing a reputable organisation can enhance your credibility, making you eligible for better loan terms and lower interest rates.
A high debt-to-income ratio can adversely affect your personal loan interest rates. Lenders evaluate the portion of your income allocated to existing debts, influencing your eligibility and the offered rates.
A long-term relationship with your lender can lead to preferential interest rates. Lenders are more likely to offer favourable terms if you've been a loyal and responsible customer.
Lenders prefer applicants with a clean record, typically requiring no defaults in the past 12 months for loan approval.

Documents for a Personal Loan Application

We ensure a smooth and hassle-free loan disbursal process. Although the paperwork is minimal, the documents required differ for salaried, self-employed, and pensioner applicants.

Documents for Salaried Employees
  • Aadhaar Card
  • PAN Card
  • Voter ID
  • Passport
  • Driving License
  • Utility Bill (Electricity/Water/Gas)
  • Aadhaar Card
  • Passport
  • Rental Agreement
  • Last 3-6 month's salary slips
  • Latest Form 16 or Income Tax Return (ITR)
  • Bank statements for the last 3–6 months showing salary credit
  • Employee ID card
  • Offer Letter / Appointment Letter (in some cases)
Documents for Self-Employed Individuals
  • Aadhaar Card
  • PAN Card
  • Voter ID
  • Passport
  • Driving License
  • Utility Bill (Electricity/Water/Gas)
  • Aadhaar Card
  • Passport
  • Office Lease Agreement
  • ITR for the last 2-3 years
  • Balance Sheet and Profit & Loss Statement (audited, if applicable)
  • Bank statements for the last 6-12 months
  • Business Registration Certificate
  • GST Registration
  • Trade License
  • Partnership Deed or MOA/AOA (if applicable)
Documents for Pensioners
  • Aadhaar Card
  • PAN Card
  • Voter ID
  • Passport
  • Driving License
  • Aadhaar Card
  • Utility Bill
  • Passport
  • Pensioner's ID card
  • Pension Payment Order (PPO)
  • Bank statements showing pension credit (last 3-6 months)
  • Form 16 (if applicable)

Expert Guidance for Every
Personal Loan Questions

Have questions about personal loans? Find everything you need to know, from refinancing options to interest-saving tips.

A personal loan can be availed when you need an unsecured line of credit. Once you complete and submit your personal loan application, it is approved and verified by the lender. After the verification process, the loan amount will be disbursed to the applicant’s bank account. At the beginning of the tenure, you will be required to repay the loan in pre-decided EMI payments.
The maximum loan amount that can be sanctioned for you depends on the monthly income and various other factors. However, there are numerous lenders in the country that offer as much as Rs. 40 lakhs.
The minimum salary requirement for a personal loan application varies from lender to lender. However, most lenders prefer that the applicant should be drawing an income of at least Rs. 15,000. If you are living in a metropolitan area, the minimum salary requirement is between Rs. 20,000 to Rs. 25,000.
Yes, personal loans offer tax exemptions if the amount is being used for home renovation, business expansion or education purposes.
If your personal loan application has been rejected, it is either because of a low credit score or because you do not meet the basic eligibility requirements. Taking steps to improve your credit score can go a long way in future application approvals.

Disclaimer:

The website may provide information about various loan products, insurance products, credit scores & links to other websites or resources over which Doloans does not have control as such information & links are received from the Banks, NBFCs, Insurance companies & credit rating agencies. Users of this website acknowledge that Doloans is providing these information & links only as a convenience, and further agree that Doloans is not responsible for the veracity of such information. Please note that users are advised to independently verify the information & do other requisite due diligence before making any decision and that Doloans nor its employees, partners, and associated staff are not accountable for any loss, harm, or damage due to usage of information from this website.  And further that user’s use of links to such external websites are subject to the terms of use and privacy policies located on those sites.

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