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Personal Loans for whatever life needs

Compare personal loan offers from trusted lenders across India — minimal paperwork, fast disbursal, and funding from ₹50,000 up to ₹5 Crore.

Multiple Offers Pan India Rate starts @ 10.25%
Personal Loan at a glance
Interest rate
10.25% p.a. onwards
EMI
₹2,137/lakh
Loan tenure
Up to 7 years
Loan amount
₹50K – ₹5 Cr
Minimum monthly income ₹30,000
Interest Rate
10.25%* p.a. onwards
EMI
Starts at ₹2,137/Lakh
Monthly Income
₹30,000/month min.
Loan Tenure
Up to 7 years
Loan Amount
₹50K to ₹5 Cr
Zero Paperwork
24/7 online loan
Top-Up Loans
Eligible after 9 months
Occupation
Salaried individuals
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Funds for your priorities, without collateral

A personal loan is unsecured — no property or asset needs to be pledged. Lenders assess it purely on your income and credit history, which is what makes it one of the fastest ways to access funds when you need them.

Whether it's a wedding, medical expense, home renovation, travel, or simply consolidating existing debt into a single, more manageable EMI, a personal loan gives you flexibility with no restriction on how the money is used.

Popular uses
Medical & Emergencies
Fast disbursal when you can't afford to wait.
Wedding & Travel
Fund big life moments without dipping into savings.
Debt Consolidation
Combine multiple high-interest dues into one EMI.
Why It Makes Sense

Why a personal loan works for most people

No collateral, no restriction on end-use, and money in your account within days.

Fast disbursal

Minimal documentation means funds can reach your account within a day or two of approval.

No collateral needed

Being unsecured, you don't have to pledge property, gold, or any other asset.

Flexible tenure

Repayment terms up to 7 years let you pick an EMI that suits your monthly budget.

Use it your way

No restriction on end-use — medical, travel, wedding, renovation, or anything else.

Builds your credit history

Timely EMIs help strengthen your credit score for future borrowing.

Need more later?

A top-up loan is available on your existing personal loan after 9 months of clean repayment.

Know more
What lenders typically check
Age
Usually 21 to 60 years
Occupation
Salaried individuals; self-employed considered case by case
Monthly income
Minimum ₹30,000/month, verified via salary slips or bank statements
Credit score
700+ CIBIL improves approval odds and pricing
Eligibility

Who can get a personal loan?

Since there's no collateral involved, lenders lean heavily on your income stability and credit history. Meeting the basics — age, a steady salary, and a reasonable credit score — is usually enough to get started.

Check my eligibility
How Ekuity Helps

Personal loan shopping, made simple

Comparing lenders and figuring out how much you actually qualify for can eat up time you don't have. Ekuity brings it together in one place.

Compare offers from multiple lenders in one place
Know your eligibility based on income instantly
Guidance on documents so your file doesn't get rejected
A smooth path from application to disbursal
Paperwork

Personal loan documents checklist

Keep these handy to speed up your approval.

Identity & Address

  • Aadhaar / PAN / Passport / Driving Licence
  • Address proof
  • Passport-size photos

For Salaried

  • Latest 3 months' salary slips
  • Form 16 or ITR
  • Bank statements (last 3–6 months)
  • Employment details

For Self-Employed

  • ITR for the past 2 years
  • Business proof
  • GST details (if applicable)
  • Bank statements (last 6 months)

Additional

  • Signed loan application form
  • Existing loan statements (if any, for consolidation)
  • Cancelled cheque / bank mandate for EMI
Good to know
Loan amount: ₹50,000 – ₹5 Crore
Tenure: up to 7 years
No collateral required
Repayment: always via monthly EMIs
FAQ

Frequently asked questions

Most lenders on Ekuity require a monthly income of at least ₹30,000 for salaried applicants, though this can vary by lender and city.
Yes, though most current offers are best suited to salaried individuals. Self-employed applicants are evaluated case by case using ITRs and business documents.
With minimal documentation and an online process, disbursal can happen within 24–48 hours of approval, depending on the lender.
A shorter tenure means higher EMIs but less total interest; a longer tenure (up to 7 years) means smaller EMIs but more interest overall. Choose based on what fits your monthly budget.
Yes — top-up loans are typically available after 9 months of clean, on-time repayment on your existing loan.