Bindaas / Loans / Personal loan
Personal loan

The loan for life happening.

₹10,000 to ₹10,00,000 over 6 to 36 months, from 12.5% p.a. reducing. Money in about ten minutes, no branch visit.

See your EMI first

Move the slider, pick a tenure. This is the same math your offer uses.

Personal loans cover the things that do not wait for payday: a wedding, a deposit, a repair, or replacing costlier debt with one clean EMI. You see the number before you share anything.

I need
₹2,00,000
For
Monthly EMI
₹17,817
at 12.5% p.a.
Total interest ₹13,804
Open the full calculator
Indicative at 12.5% p.a. Your exact rate is in your KFS.

What people use it for

Weddings

Book the venue, pay the caterer, cover the deposits, without draining savings you meant for later. A ₹3,00,000 wedding loan over 24 months is about ₹14,192 a month at 12.5% p.a.

Home renovation

New kitchen, a fresh coat, that leak you keep postponing. Spread it over EMIs instead of one painful bill. A ₹1,50,000 renovation over 18 months is about ₹9,182 a month.

Travel

The trip you keep pushing to next year. Book it now, pay it down calmly. An ₹80,000 travel loan over 12 months is about ₹7,127 a month.

Debt consolidation

Swap two or three costlier EMIs and a credit-card balance for one lower one. A ₹2,00,000 consolidation over 24 months is about ₹9,461 a month, often less than the bills it replaces.


Who can apply, and what you need

EligibilityAge 21 to 58 Income ₹15,000+ per month Salaried or self-employed PAN + Aadhaar-linked mobile

What we ask for

  • PAN
  • Aadhaar-linked mobile
  • A bank account

When we might ask for more

  • A bank statement if you are self-employed
  • A salary slip for loans above ₹5 lakh

Most applicants upload nothing at all. Full detail on eligibility and documents.


The complete cost

Every charge, in one place

Interest rate12.5% to 24% p.a., reducing balance
Processing fee1% to 2% + GST
Prepayment / foreclosure₹0, anytime after the first EMI
Late payment₹450 + GST per missed EMI, on the overdue amount only
Anything elseNothing. This is the complete list.

Representative example

Loan amount₹1,00,000
Tenure12 months
Interest rate14% p.a. reducing
Processing fee2%
Monthly EMI₹8,979
Total interest₹7,748
Effective APR17.9%

Three steps, zero branch visits

01

Tell us the number

Pick your amount and tenure. See your exact EMI before you share anything.

02

KYC in two minutes

Aadhaar and PAN, fully digital. Your offer is checked without touching your CIBIL score.

03

Money lands

Straight to your bank account, on average ten minutes after approval.

FAQ

Questions people ask

Often, yes. Once you have repaid a few EMIs on time, a top-up offer may appear in the app, subject to your lender and your updated eligibility. Checking it does not affect your score.

Yes, any time after your first EMI, with no charge. A part-payment reduces your principal, which lowers either your remaining EMIs or your tenure, your choice.

Usually just PAN, an Aadhaar-linked mobile and a bank account. For some profiles or larger amounts we may ask for a recent bank statement, requested inside the app.

Your rate reflects your bureau score, income stability, existing EMIs, tenure and the product. The full model is on our interest rate policy page.

Ready when you are.

Check your offer in 2 minutes. No CIBIL impact.

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