Your Instant Personal Loan in
Bangalore

General Criteria

• •
  Age: Typically 21 to 60 years at loan maturity.
• •
  Credit Score: A strong score (generally 700+) significantly boosts your personal loan eligibility and unlocks better offers.
• •
  Monthly Income: A stable minimum income, usually ₹20,000 or more, is a common requirement for personal loans.

Employment & Experience

For Salaried Individuals:

• •
  Minimum 6-12 months of employment at the current company.
• •
  Overall work experience may also be considered by lenders for personal loan approval.

For Self-Employed Individuals:

• •
  Established business tenure of at least 3 years (continuous operation).
• •
  Consistent Income Tax Returns (ITR) for the last 3 years as robust income proof.

Digital Identity & Address Proof

• •Aadhaar Card (for both identity and address)
• •PAN Card (for financial transactions)
• •Any other single government-issued ID (e.g., Driving License, Passport, Voter ID) if Aadhaar is not used.

Digital Income Proof (e-statements)

For Salaried Individuals:

• •Bank statements (digital, showing salary credits for last 3-6 months).
• •Digital Salary Slips for the last 3-6 months.

For Self-Employed Individuals:

• •Last 6-12 months' bank statements (digital, personal and business).
• •Digital ITR for the last 2-3 years.