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Personal Loan upto
₹15 lakhs

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Looking for a hassle-free
personal loan for your needs?

We're committed to getting you the best personal loan that suits your needs and lifestyle.

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Whether it's financing a dream destination, planning a wedding, or renovating your home, we've got you covered. With InCred Finance, applying for a personal loan takes just minutes, with minimal documentation and quick disbursals. We believe in transparent lending with no hidden fees and dedicated customer support.

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Check your credit score for free
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With credit score, you'll get personalized loan eligibility

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Features & Benefits

Loan upto 15 lakhs

Get instant personal loan authorizing up to ₹15 lakh within minutes to manage all your expenses.

Instant approval in seconds

Our paperless process confirms your eligibility in seconds and ensures immediate loan approval.

Quick Disbursements

Once approved, get the amount disbursed to your bank account within 24 hours of verification.

No hidden charges

Experience a transparent process with no extra or additional hidden costs at any point.

No Collateral Required

Apply for your personal loan without any guarantor or collateral needed.

Flexible Tenure

Choose a repayment tenure that suits you, ranging from 12 to 60 months with ease.

Eligibility Criteria & Documentation

Personal Loan eligibility
  • To qualify for a personal loan, you must be an Indian citizen or resident
  • Age must be 23 to 55 years
  • You must be a salaried individual
  • Minimum net monthly income of ₹25,000
Documents required

When you apply for a personal loan, the following documents are required:

KYC Documents PAN Card Aadhaar Card Salary Slips Last 3 months' experience Aadhaar OTP

Personal Loan EMI Calculator

₹ 3,00,000
₹10,000₹15,00,000
18%
10%36%
3 years
1 yr5 yrs
Benefits of using EMI calculator →
Annual Percentage Rate (APR)
18% – 30%
Personal Loan Tenure
1 year – 5 years

Your monthly EMI

₹10,547
Principal Amount ₹3,00,000
Total Interest ₹79,692
Total Payable ₹3,79,692

Quick Loan Breakup Example

For a loan amount, for ₹3,00,000 you pay only ₹10,547 per month and your total credit cost is only 12% APR for the 3 year loan tenure.

The above example is indicative. Actual APR, EMI amount, and total amount payable will depend on your profile and credit assessment.

Loan Summary
Principal₹3,00,000
Interest Rate18% p.a.
Tenure36 months
Monthly EMI₹10,547
Total Interest₹79,692
Total Payable₹3,79,692
Apply Now

Steps to apply for InCred Personal Loan

1
Visit "Apply Now" to submit your application

Click on 'Apply Now' button and enter your mobile number to begin

4
Enter your employment and income details

Add your employment information and company details

2
Fill in your personal details with the best offer

Enter your name, DOB, PAN card and other required details

5
Get one-time password (OTP) from e-Aadhaar

We use your Aadhaar OTP to verify your identity securely

3
Select your loan amount, tenure and proceed

Choose the loan amount and tenure best suited for you

6
Complete e-sign and KYC for loan disbursal

Complete your e-sign on the agreement and get the amount disbursed

Blogs

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Why a Personal Loan to CIBIL Score: Know the Impact for Your Financial Health for Your Big Ticket Buys
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Top 10 Benefits of Taking a Personal Loan from NBFCs – Why NBFCs Are a Smart Choice
Tips
How to Use a Personal Loan as a Down Payment – A Complete Guide for Home Buyers

Frequently asked questions (FAQs)

A personal loan is an unsecured loan that you can use for any purpose — from medical emergencies to travel, home renovation, or debt consolidation. You borrow a fixed amount and repay it in equal monthly installments (EMIs) over a set period, with interest.

Personal loan interest rates typically range from 10.99% to 36% per annum depending on your credit score, income, employment type, and other factors. InCred Finance offers competitive rates starting from 16% p.a.

You can apply for a personal loan online through InCred Finance by clicking 'Apply Now', filling in your personal and employment details, choosing your loan amount and tenure, completing your KYC, and getting approval within minutes.

Consider a personal loan for planned big-ticket expenses like home renovation, medical emergencies, weddings, or education. It is also useful for consolidating high-interest debt into a single, manageable EMI.

You can use a personal loan for home renovation, medical bills, travel, wedding expenses, education, gadget purchases, debt consolidation, and virtually any personal financial need — no end-use restrictions.

Customer Success Stories

"

InCred Finance has been a lifesaver! I got my personal loan approved in just a few minutes and the disbursement was incredibly fast. Highly recommended for anyone who needs quick financial assistance.

★★★★★
RK
Ramesh Kumar
Business Analyst
"

Excellent service! The process was smooth and completely online. I didn't have to visit any branch. The customer support was also very helpful in guiding me through each step.

★★★★★
PS
Priya Sharma
Software Engineer
"

I was skeptical at first, but InCred Finance made the entire loan process transparent and simple. No hidden charges, no lengthy documentation. Money was in my account within 24 hours!

★★★★★
AM
Aditya Mehta
Marketing Manager

Get Instant Personal Loans
with the India Fincare

Download the app and get access to the best personal loan offers tailored for you.

Apply for loans from ₹10,000 to ₹15 lakhs

Amount credited within 5 minutes

Easy loan repayment on the InCred App

Apply Now ₹15 Lakhs