Personal Loan

Techmin Consulting offers a unique solution that can help MSMEs save money on operations, reduce costs, and prevent losses.

A personal loan is a loan that does not require collateral or security and is offered with minimal documentation. You can use the funds from this loan for any legitimate financial need. Like any other loan, you must repay it according to the agreed terms with the bank. Normally this can include a few months to a few years in easily equated monthly installments.

What is a personal loan used for?

You are free to use the funds you get from a personal loan any way you wish – fund a holiday, buy a gadget, pay for medical treatment, use on home renovation, spend on a wedding, finance your children’s education, etc.

How do personal loans work?

A personal loan works pretty much the same way as most loans. You apply for a loan, submit the documents, the bank checks your creditworthiness, and makes a loan offer. If you accept it, the funds are transferred to your bank account, and you can use them any way you like.
You must repay the loan in equated monthly installments (EMI), which will depend on factors such as loan amount, tenure, and interest rate.

What about interest rates, tenure, etc?

Interest rates on personal loans: Interest rates can range will depend on your credit history, tenure, income, occupation, etc. The rates are fixed and not floating rate.
Tenure and repayment: You can get a loan for a tenure that suits your needs. You must repay the loan in equated monthly installments or EMIs in a fixed sum every month. The EMI will depend on the loan amount, tenure, and interest rate. You can check your eligibility here.

Applications can be submitted for personal loans from the following banks.

Apply Now

PaySence

  •  Age between 22-55 years
  •  Salary should be more than Rs.20000/-
  •  Salary should be credited in the bank.
  •  T&C Apply
Apply Now

Money Wide

  • Age More than 21 years
  • Salary should be more than Rs.20000/-
  • Salary should be credited in the bank.
  • T&C Apply
Apply Now

LoanTap

  • Age More than 23 years
  •  Salary should be more than Rs.20000/-
  • Salary should be credited in the bank.
  • T&C Apply
Apply Now

HDFC Bank

  • Age More than 21 years
  • Salary should be morethan Rs.20000/-
  • Salary should be credited in the bank.
  • T&C Apply
Apply Now

Finnable

  • Age More than 23 years and if CIBIL is -1 then 25 years
  •  Salary should be more than Rs.20000/-
  •  Salary should be credited in the bank.
  • T&C Apply
Apply Now

Cashe

  • Age More than 21 years
  • Salary should be more than Rs.15000/-
  • Salary should be credited in the bank.
  • T&C Apply
Apply Now

Aditya Birla Finance

  •  Age More than 21 years
  • Salary should be more than Rs.20000/-
  • Salary should be credited in the bank.
  • T&C Apply
Apply Now

Axis Bank

  • Age More than 21 years
  • Salary should be morethan Rs.20000/-
  • Salary should be credited in the bank.
  • T&C Apply
Apply Now

Ant Creditex Technologies P Ltd

  • Age More than 21 years
  • Salary should be morethan Rs.20000/-
  • Salary should be credited in the bank.
  •  T&C Apply
Apply Now

Bajaj Finserve

  • Age More than 21 years
  • Salary should be more than Rs.20000/-
  • Salary should be credited in the bank.
  • T&C Apply
Apply Now

Capital First

  • Age More than 21 years
  • Salary should be morethan Rs.20000/-
  • Salary should be credited in the bank.
  • T&C Apply
Apply Now

Chitamani Finance Ltd

  •  Age More than 21 years
  • Salary should be morethan Rs.20000/-
  • Salary should be credited in the bank.
  •  T&C Apply
Apply Now

Citybank

  • Age More than 21 years
  • Salary should be more than Rs.20000/-
  •  Salary should be credited in the bank.
  • T&C Apply
Apply Now

DCB Bank

  •  Age More than 21 years
  • Salary should be morethan Rs.20000/-
  • Salary should be credited in the bank.
  • T&C Apply
Apply Now

Excel Sales & Marketing

  •  Age More than 21 years
  • Salary should be more than Rs.20000/-
  • Salary should be credited in the bank.
  • T&C Apply
Apply Now

Finnov

  •  Age More than 21 years
  • Salary should be more than Rs.15000/-
  • Salary should be credited in the bank.
  •  T&C Apply
Apply Now

Faircent

  • Age More than 21 years
  • Salary should be morethan Rs.20000/-
  • Salary should be credited in the bank.
  • T&C Apply
Apply Now

Fullerton India

  • Age More than 23 years
  • Salary should be more than Rs.25001/-
  • Salary should be credited in the bank.
  • T&C Apply
Apply Now

HDB Financial Services

  • Age More than 21 years
  •  Salary should be morethan Rs.20000/-
  • Salary should be credited in the bank.
  • T&C Apply
Apply Now

Hero Fincorp

  • Age between 23-58 years
  •  Salary should be more than Rs.20000/-
  • Salary should be credited in the bank.
  • T&C Apply
Apply Now

Hero Housing Finance

  • Age More than 21 years
  •  Salary should be more than Rs.20000/-
  •  Salary should be credited in the bank.
  •  T&C Apply
Apply Now

Home Credit

  • Applicant should be an Indian Citizen between 18 to 65 years of age
  •  Applicant should have a valid identity and address proof
  • Should have an active source of income
  • Should have a gap of 90 days between 2 Home Credit Applications
Apply Now

I2I Funding

  • Age More than 21 years
  •  Salary should be morethan Rs.20000/-
  • Salary should be credited in the bank.
  • T&C Apply
Apply Now

ICICI Bank

  •  Age More than 21 years
  •  Salary should be morethan Rs.20000/-
  • Salary should be credited in the bank.
  •  T&C Apply
Apply Now

ICICI Direct

  • Personal Loan Interest Rates – 11.25% to 22.00% per annum
  • Age – 28 years (self-employed individuals) and 25 years (for doctors); Maximum age – 65 years
  • Minimum Turnover – Rs. 40 lakhs for non-professionals; Rs. 15 lacs for professionals; as per audited financials
  •  Minimum Profit After Tax – Rs. 2 lacs for Proprietorship Firm/Self-employed Individuals and Rs. 1 lac for non-professionals as per audited financials
  • Business Stability – In current business for at least 5 years and a minimum of 3 years for doctors
  • Existing relationship with ICICI Bank – Minimum 1-year liability relationship (current or savings account) or Asset relationship (loan) either live or closed in the last 36 months; repayment track as required
  • tenure from 12 to 60 months
  • Salaried individuals with a minimum monthly income of Rs.40000
  • T&C Apply
Apply Now

IDFC Bank

For Salaried Individuals:

  • Minimum Age: 23 years
  • Maximum Age: at the time of loan maturity – 60 years or retirement, whichever comes first

For Self-Employed Individuals:

  • The business must have been in existence for a minimum period of 3 years
  • Minimum Age: 25 years
  • Maximum Age: 65 years at the time of loan maturity
Apply Now

IIFL Finance

  • Age More than 21 years
  • Salary should be more than Rs.20000/-
  • Salary should be credited in the bank.
  • T&C Apply
Apply Now

InCred

  • Age More than 21 years
  • Salary should be more than Rs.20000/-
  • Salary should be credited in the bank.
  •  T&C Apply
Apply Now

India Lends

Personal loans are an unsecured form of credit that is popular to meet immediate requirements. It is multi-purpose in nature and therefore can be used for various purposes including wedding, home renovation, travel purposes and more. Moreover, there is no restriction for the amount borrowed and can be used for any purpose they want. In fact, a personal loan can help you build your credit faster when compared with other forms of credit. This is because of the risk it carries due to being unsecured.

Apply Now

Indiabulls

  • Age More than 21 years
  • Salary should be morethan Rs.20000/-
  • Salary should be credited in the bank.
  • T&C Apply
Apply Now

Indus Ind Bank

  • Collateral-free loan
  • Speedy approval process and quick disbursal
  •  Interest rates ranging from 10.49% -29.50% p.a.
  • Loans from Rs. 30,000 to Rs. 50 lakhs
  •  Loan tenure-12 to 60 months
  •  Minimal documentation process
  • Professional and Self-Employed Business Monthly income: Rs. 25,000+
  • Age Group: 25-60
  •  Credit Score: 725+ CIBIL
  •  T&C Apply
Apply Now

Kotak Mahindra Bank

  • Age More than 21 years
  • Salary should be morethan Rs.20000/-
  • Salary should be credited in the bank.
  •  T&C Apply
Apply Now

Loan Singh

  • Age More than 21 years
  • Salary should be more than Rs.20000/-
  •  Salary should be credited in the bank.
  •  T&C Apply
Apply Now

Muthoot

  • Salaried Employees
  • Salaried doctors
  •  Employees of public and private limited companies
  • Cat A Salary -15,000(Net) Cat B/C Salary – 25000(Net)
  • Government sector employees including Public Sector Undertakings, Central and Local bodies
  • Age 25-50 – Preferable average is 26 years
  •  The minimum CIBIL required is 700
  •  -1 CIBIL also can be done
  • T&C Apply
Apply Now

Money View

  • Age More than 23 years
  • Salary should be more than Rs.20000/-
  •  Salary should be credited in the bank.
  •  T&C Apply
Apply Now

OML

  • Age More than 21 years
  •  Salary should be more than Rs.20000/-
  •  Salary should be credited in the bank.
  • T&C Apply
Apply Now

RBL Bank

  • Age More than 21 years
  • Salary should be more than Rs.20000/-
  • Salary should be credited in the bank.
  • T&C Apply
Apply Now

Shubh Loans

  • Age More than 23 years
  •  Salary should be more than Rs.12000/-
  •  Salary should be credited in the bank.
  •  T&C Apply
Apply Now

Standard Chartered

  •  Age More than 21 years
  •  Salary should be more than Rs.20000/-
  •  Salary should be credited in the bank.
  • T&C Apply
Apply Now

Stashfin

  • Age More than 21 years
  • Salary should be more than Rs.20000/-
  • Salary should be credited in the bank.
  • T&C Apply
Apply Now

Tata Capital

  • Age More than 21 years
  •  Salary should be morethan Rs.20000/-
  • Salary should be credited in the bank.
  •  T&C Apply
Apply Now

Thazhayil Finance

  • The age limit of the applicant should be between 21 to 45 years.
  • Salary should be through Bank Account.
  •  Minimum Rs.12000/- p.m. take-home salary.
  • A minimum of one co-applicant is mandatory (preferably relative).
  • Loan Amount: Rs.10,000 to Rs.2,00,000
  • T&C Apply
Apply Now

Upwards

  • Age More than 21 years
  • Salary should be more than Rs.20000/-
  • Salary should be credited in the bank.
  • T&C Apply
Apply Now

WeRize

  • Salaried Employees working in Public Ltd / Private Limited / Government
  •  Employees of LLP/Partnership Firm/NGO/ Hospital are not eligible
  •  The minimum Salary should be 12000 and Employed at your current job for at least 6 months
  •  Salary through cheque/cash is not eligible
  •  Minimum of 1 year’s work experience without any gap in the service period
  •  Age 21 -55 Years
  •  Interest rate starts from 15%, but will vary based on the profile of the customer
  •  The current total EMI of the customer should be less than 50% of their net in-hand salary
  •  Customers should not have a current overdue on any loan
  •  T&C Apply
Apply Now

Yesbank

  • Age More than 21 years
  •  Salary should be more than Rs.20000/-
  • Salary should be credited in the bank.
  •  T&C Apply
Apply Now
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