Personal LoanOnline Starting
at
9.99% per annum
Quick
Approval
Quick Disbursal in Bank Account
Loan up to
30 Lakh
Powered By 1Rupay.com
A feature-rich Personal Loan with multiple benefits
1Rupay.com focuses highly on providing a feature-rich Personal Loan for all its customers across the location. Personal Loan is an unsecured loan that helps individuals meet various financial needs. If you are considering taking a Personal Loan, you should first understand some of its important features.
Following are some of the Key Features of a Personal Loan:
 | No collateral/security With our unsecured Personal Loan, you get the necessary funds without pledging any security. It helps you to keep full possession of your assets and borrow money online without any hassles. |
 | Flexible repayment tenure 1Rupay.com’s Lenders Personal Loan offers a flexible repayment tenure ranging from 12 to 60 months. You have the freedom to choose the tenure as per your repayment capacity. |
 | Attractive interest rates We offer a Personal Loan at attractive interest rate, ensuring you save money by paying lower EMIs from our Lenders |
 | Minimal documentation Since a Personal Loan is an unsecured loan with no collateral, it requires minimal documentation. This makes the documentation process for a Personal Loan relatively simple and faster. |
 | Multi-purpose high loan amount with no restrictions on usage With 1Rupay.com’s and our Lenders Personal Loan, you can access a loan amount of up to ₹30 Lakh. These funds can be used for multiple purposes, such as covering medical expenses, renovating a home, financing higher education, etc. |
 | Zero foreclosure/pre-payment charges We don’t levy any pre-payment or foreclosure charges if paid from your own sources. Therefore, borrowers can prepay their loan to reduce their debt burden without paying any additional charges. |
 | No hidden charges There’s nothing hidden in our fine print, and all loan conditions are clearly presented. Our Personal Loan has no additional charges; you only pay what has been transparently communicated to you. |
 | Quick approvals Loan processing can be tedious and time-consuming, but we promise a seamless experience. Thanks to our minimal and relaxed Personal Loan eligibility criteria, you can avail of quick loan when you need funds. We approve loan applications instantly and disburse your approved sanction in no time. |
 | Easy and hassle-free process We leverage technology to minimize the effort required to get a Personal Loan. You can apply online for our offering in just a few easy steps through the user-friendly online journey! |
Get Instant Approval on a Personal Loan
Navigating through unforeseen financial needs just became easy! With 1Rupay.com, you can get a Personal Loan without pledging collateral. Get up to ₹30 Lakh at competitive interest rates starting at as low as 9.9%* p.a.
Whether you are renovating your home, covering medical expenses, or consolidating debt, our Personal Loan empowers you to seize control of your finances and achieve your personal goals. Enjoy a smooth loan journey – from application to disbursal. Apply now!
Personal Loan Interest Rates and Charges
1Rupay.com offers from one of the most competitive Lenders, and the interest rates in the market to support your aspirations, with Personal Loan rates starting at just 9.99%* p.a. Below is a list of our Personal Loan rates and charges
- Interest Rate
0.83% onward p.m.
(9.99% /Years onwards)This rate of interest is prone to fluctuation basis to our lenders internal credit and risk policy,
and as per an algorithmic multivariate scorecard.
- Processing Fee
0% to 2 % Plus
TaxesFor processing and assessing your loan application
- FORECLOSURE CHARGES
₹0 * Foreclosure
Charges*****No charges for prepayment or foreclosure of the loan
*****0% If paid from own sources & 4% If paid from other sources
Personal Loan Eligibility Criteria
Securing a Personal Loan is simple with minimal eligibility criteria, ensuring quick approval and prompt disbursal. The loan is evaluated on five key eligibility factors:
Age
citizenship
Employment
Work Experience
Monthly Income
- Age – Between 22 to 57 years.
- Citizenship – The applicant must be an Indian citizen.
- Employment – Full-time job at specified organizations (Central Govt, PSU, MNCs, Private Limited etc.) required for eligibility.
- Work Experience – Minimum 1 year, with at least 1 month in the current job.
- Monthly Income – Net salary of at least ₹12,000 per month.
Documents Required
To apply for a Personal Loan, just provide the following documents:
KYC documents
Income proof
Address proof
Proof of Employment
- KYC documents – Government-issued IDs such as PAN Card/Aadhaar Card/Driving Licence/Voter ID/Passport.
- Income proof – Latest salary slips for the last 3 months and bank statement of the past three months.
- Address proof – Rent agreement, utility bills, or passport.
- Proof of Employment – Employee ID card or official mail ID.
Personal Loan Features and Benefits
Enjoy a host of features and benefits of getting a Personal Loan from Poonawalla Fincorp:
- Quick Approval: The funds are quickly disbursed, often within a few days.
- Minimal Documentation: Submit your KYC documents, income proof, address proof, and employment proof.
- Zero Hidden Charges: Get a clear breakdown of all fees and charges upfront, ensuring no surprises along the way.
- Flexible Repayment Tenure: Tailor your repayment plan to your financial comfort, with tenure ranging from 12 months to 60 months.
- Collateral-free: No need for you to pledge any assets as collateral.
- Zero Foreclosure/Prepayment Charges: Prepay or foreclose your loan without incurring additional charges.
- No Usage Restrictions: Use the funds for any purpose.
- Attractive Interest Rates: Get loans at competitive interest rates, starting at just 9.99%* p.a.
- Easy Application: Experience a user-friendly application process that guides you through every step.
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