Fulfil Your Dreams with KreditMudra Personal Loans
Whether it's a dream vacation, wedding expenses, home renovation, or any personal need, KreditMudra offers flexible and affordable personal loans to help you achieve your goals. Our hassle-free application process and quick disbursal ensure you get the funds you need, when you need them.
Interest rate
10.25% p.a. onwards
Loan amount
Up to ₹50 Lakh
Tenure
12 – 84 months
Personal Loans: every variant
Select a product to see how it works and how we help you secure it.
Loan for Personal Use
Are you looking for an immediate short-term loan? A personal loan can help you take a breather. KreditMudra supports and guides the loan process by connecting you to reliable and genuine financial institutions (banks and NBFCs) with quick disbursal, lower interest rates, and flexible repayment options.
A personal loan is an ideal choice for managing financial challenges and doesn't require collateral, making it beneficial for salaried individuals. We provide professional assistance with eligibility checks, the application process, document verification, and final disbursement.
Key highlights
Unlock the best personal loan offers to meet your personal goals
No collateral required
Best eligibility offers from multiple lenders
Best interest offers from multiple lenders
Quick disbursal
Flexible repayment tenure
Eligibility criteria
Salaried individuals aged 21–60, or self-employed aged 25–65
Minimum net monthly income of ₹25,000 (varies by city and lender)
At least 6–12 months with the current employer
CIBIL score of 720 or above for the sharpest rates
Comfortable existing obligations-to-income ratio
Documents required
PAN and Aadhaar
Last 3 months' salary slips and Form 16
Last 6 months' salary account statements
Employment proof or business continuity proof
Recent passport-size photograph
Criteria and documentation vary between lenders. We confirm the exact requirement for your chosen lender before you submit anything.
Estimate your Personal loan EMI
Adjust the amount, rate and tenure to see what the repayment would look like.
Your monthly EMI
₹27,249
- Principal₹25 L
- Total interest₹24.05 L
- Total payable₹49.05 L
Indicative only. Your actual EMI depends on the lender's final approved rate, processing fees and insurance.
Get offers at this amountPersonal Loans: common questions
For a salaried applicant with a clean profile and complete documents, sanction can come the same day and funds can land within 24–72 hours. Pre-approved offers from your salary account bank can be even quicker.
No. It is fully unsecured, meaning no collateral or guarantor is pledged. That is also why the rate is higher than on a secured product like a loan against property.
Mainly by your employer category (CAT A/B/C corporate, government or SME), monthly net salary, CIBIL score and current debt-to-income ratio.
Yes. Each formal application triggers a hard enquiry, and several in a short window pull your score down. This is precisely why we pre-check your profile against lender policies and log in only where approval is likely.
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