Instant Approval · Minimal Documents

Personal Loan up to
₹40 Lakhs — Fast!

Get a personal loan approved in 24–48 hours from India's top banks & NBFCs. Competitive interest rates, zero hidden charges, and a dedicated advisor for you.

💰Up to ₹40 Lakhs
📉From 10.5% p.a.
⚡24–48 hr Approval
📄Minimal Docs
Apply Now — Free 📞 Call Us
₹40L+
Max Loan Amount
For eligible applicants
10.5%
Starting Interest Rate
p.a. from top banks
48hrs
Fastest Approval
For pre-approved profiles
20+
Lender Options
Banks & NBFCs compared
Why Apply With Us

Everything You Need in a Personal Loan

We compare 20+ lenders to find the best rate, fastest approval, and simplest process for your profile.

⚡
Instant Digital Approval
Get in-principle approval within hours. For pre-approved profiles from our partner banks, disbursement happens in as little as 24 hours.
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No Collateral Required
100% unsecured personal loan. No need to pledge property, FD, or any asset. Just your income documents and a good credit score.
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20+ Lender Comparison
We compare offers from HDFC, Kotak, Axis, IDFC, Bajaj Finance, and 15+ more — and recommend the best option for your specific profile.
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Lowest Interest Rate
Starting from 10.5% p.a. Our team negotiates on your behalf with lenders to ensure you get the most competitive rate you qualify for.
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100% Safe & Secure
Your KYC and financial documents are handled with bank-grade security. We are authorised DSAs of all our partner banks.
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Doorstep Service
No need to visit the bank. Our advisor visits you at home or office for document collection. Or submit everything digitally.
Who Can Apply

Eligibility Criteria

Requirements for salaried individuals:

Age21 to 60 years
Min. In-Hand Salary₹40,000/month (net take-home)
CIBIL Score700+ CIBIL score required
Employment TypeSalaried employees only (Private / Government / PSU)
ResidenceIndian citizen residing in India. NRI options also available.
Documents Needed

Minimal Documentation

Just a few basic documents — we guide you on exactly what to submit:

Identity ProofAadhaar Card / Passport / Driving Licence / Voter ID
Address ProofAadhaar / Utility Bill / Rent Agreement / Passport
Income ProofLast 3 months salary slips + 6 months bank statement
Employment ProofOffer letter / Employee ID / Company email confirmation
PAN CardMandatory for all loan applications above ₹50,000
EMI Calculator

Calculate Your Monthly EMI

Use our quick calculator to estimate your personal loan EMI. Adjust the sliders to find the combination that fits your budget best.

🧮 EMI Estimator
Loan Amount ₹5,00,000
Interest Rate 12% p.a.
Tenure 36 Months
₹16,607
Monthly EMI
Total Amount:₹5,97,852
Total Interest:₹97,852
Principal:₹5,00,000
Apply Now — Free
Get Your Personal Loan in 3 Simple Steps
Fill the form — our loan advisor will call you within 30 minutes to discuss your requirements and guide you through the complete process.
✅
100% Free Consultation — No charges to apply
📞
Callback within 30 minutes (Mon–Sat, 9am–7pm)
🔒
Your data is 100% secure and never shared
🏦
We compare 20+ lenders to get you the best deal
⚡
Approval in as little as 24 hours for eligible profiles
Apply for Personal Loan
Fill in your details — takes less than 2 minutes
Secure · Confidential · Free










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    Our Lenders

    Personal Loans from India's Top Banks

    We compare rates from all these lenders to get you the best deal.

    HDFC Bank
    Kotak Mahindra
    Axis Bank
    IDFC First Bank
    Bajaj Finance
    SMFG India Credit
    InCred Finance
    Aditya Birla Finance
    IndusInd Bank
    Yes Bank
    FAQ

    Frequently Asked Questions

    Everything you need to know about personal loans in India.

    What is the minimum CIBIL score for a personal loan?
    Most banks require a minimum CIBIL score of 700+. However, some NBFCs like InCred and SMFG offer personal loans for scores as low as 600–650. We help you find the right lender based on your current credit score.
    How fast can I get my personal loan disbursed?
    For pre-approved customers of partner banks like HDFC and Kotak, disbursement can happen within 4–24 hours. For new applications, it typically takes 48–72 hours after document submission and verification.
    Is there any fee to use Finovo's services?
    No — our services are completely free for borrowers. We earn a referral commission from the bank/NBFC only after your loan is disbursed. You pay zero extra charges to us.
    Can I get a personal loan with a low salary?
    Yes. Some of our NBFC partners offer personal loans for salaries as low as ₹15,000/month. The loan amount and interest rate will vary based on your income, but we have options for all salary ranges.
    What can I use a personal loan for?
    Personal loans are multipurpose — wedding expenses, medical emergencies, home renovation, education, travel, debt consolidation, or any personal need. No end-use restriction required by most lenders.
    Can I prepay or foreclose my personal loan?
    Yes. Most lenders allow prepayment after a lock-in period of 6–12 months. Prepayment charges typically range from 2–5% of the outstanding amount. We clarify all such terms upfront before your application.
    Ready to Apply?

    Get Your Personal Loan Approved
    in 24–48 Hours

    Fill in the enquiry form below or call/WhatsApp us directly. Free consultation, no obligation. We compare 20+ lenders to get you the best rate.

    📞 Call: +91 73040 65366 WhatsApp Us