Any dream. No collateral.
Instant personal loans up to ₹40 Lakhs, approved in as fast as 10 minutes. 100% digital and paperless — no collateral, no branch visits, no hidden charges. One application reaches every lender through ONDC.
- Max loan
- ₹40 Lakhs
- Approval
- 10 min
- Rate
- from 10.99%
- Tenure
- 12–84 mo
Live lender rates compared for you.
| Lender | Rate p.a. | Tenure | Max amount | Processing fee |
|---|---|---|---|---|
| Bajaj Finserv | 10% – 31% | 12–84 mo | ₹40 Lakhs | up to 3.93% |
| Aditya Birla Capital | 10.99% – 30% | 12–84 mo | ₹40 Lakhs | up to 3% |
| Aspire Finance | 24% – 36% | 6–12 mo | ₹5 Lakhs | 2–4% |
*Indicative ranges. Your offer depends on your credit profile and each lender's assessment.
Why this loan
Built to fund this dream properly.
Approval in 10 minutes
AI credit engines approve most applications online in about ten minutes.
No collateral
Fully unsecured — no guarantor, no assets pledged.
Rates from 10.99%
Lenders compete via ONDC, so strong profiles get the sharpest rates.
24-hour disbursal
Funds land in your account within a day — same-day for pre-approved offers.
Minimal documentation
PAN, Aadhaar and bank statements — uploaded digitally, verified instantly.
Flexible EMIs
Choose any tenure from 12 to 84 months to suit your repayment capacity.
Are you eligible? Most people are.
- ✓Indian citizen or resident, aged 21–58 years
- ✓Salaried or self-employed
- ✓Minimum monthly income ₹15,000
- ✓CIBIL score 650+ (750+ for the best rates)
- ✓PAN and Aadhaar linked
- ✓Active bank account with 3+ months history
- ✓1 year work experience (salaried) or 2 years business vintage (self-employed)
Documents you'll upload once.
- ✓PAN card (mandatory)
- ✓Aadhaar card for e-KYC
- ✓Bank statements — last 3 months
- ✓Salary slips — last 3 months (salaried)
- ✓Address proof (utility bill, rental agreement or passport)
- ✓Employment certificate, if applicable
The honest math
Know your personal loan EMI before you commit.
FAQ
Personal Loan questions, answered.
What is a personal loan?
An unsecured, lump-sum loan repaid in fixed EMIs. There's no collateral and no restriction on how you use it — medical needs, weddings, travel, renovation or debt consolidation.
How much can I borrow?
From ₹10,000 up to ₹40 Lakhs, depending on your income, credit profile and existing liabilities.
What interest rate will I get?
Rates range from 10.99% to 36% p.a. A CIBIL score of 750+ typically unlocks the lowest rates.
How fast is approval and disbursal?
Approval takes about 10 minutes; funds are usually disbursed within 24 hours, and same-day for pre-approved customers.
Can I prepay the loan?
Yes. Fixed-rate loans may carry a 2–5% prepayment charge; floating-rate loans are often free to prepay under RBI rules.
What if my credit score is low?
Some lenders on the network consider scores as low as 600, at higher interest rates. Improving your score first gets you better offers.
Is Samridhya a lender?
No — Samridhya is an ONDC-powered aggregator. Your application reaches RBI-registered banks and NBFCs who compete to fund it.
What is the processing fee?
Typically 0.5%–4% of the loan amount plus GST, disclosed by the lender before you accept an offer.
Ready to fund this dream?
Apply once — 10+ RBI-registered lenders compete for your personal loan through ONDC.