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Personal Loan
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Attractive interest rates
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Get a Personal Loan up to 50 Lakhs
What is a Personal Loan?
A personal loan is an unsecured loan. You can raise a personal loan to meet your different short-term financial needs. You do not need to pledge any collateral for it. There is no restriction when it comes to the use of a raised loan. The amount of loan and rate of interest depends on several factors. Through InvestKraft – the dedicated online platform, you can apply for a personal loan online with multiple lenders.
You can choose to apply for a personal loan from a bank or NBFC subject to fulfillment of the minimum eligibility criteria. Salaried individuals can apply for an instant personal loan online from the comfort of their homes using our online application method. We at InvestKraft have served millions of consumers across India through our customized solutions and simple loan application process.
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A Personal Loan with Numerous Features & Benefits
InvestKraft, the extensively sought online platform provides customers the option to apply low interest personal loans with multiple banks and NBFC. This increases your chances of getting tailored loan solutions with competitive interest rates and flexible repayment plans for your borrowing needs. Access hassle-free application processes and dedicated customer support, ensuring a seamless experience. Gain a financial partner committed to your success.
You can learn about the benefits of a personal loan through InvestKraft which helps you meet your different financial needs. So why wait, rush personal loans apply online. Take a personal loan with us today.
The Benefits of Applying for a Personal Loan
Financial Flexibility
Personal Loan empowers borrowers with financial flexibility. You can consolidate debt, cover unexpected expenses, or pursue personal goals with instant personal loans online.
No risk to Assets
Personal loans do not have collateral requirements. Borrowers can secure the funds they need without putting on risk their valuable assets by getting instant personal loans.
Improved Credit Score
Responsible repayment of the personal loan impacts the borrower's credit score. It can help you go for better financing options in the future.
Minimum Documentation
Personal loans minimise the need for documentation. You can easily apply online using your PAN, Aadhaar, and a few other documents.
Quick Access to Funds
The swift approval and disbursement process make sure borrowers can access the personal loan options easily. It enables them to get instant personal loans without any hassle.
Customised Repayment Plans
A lender allows borrowers to choose from a range of personal loan repayment plans reducing the likelihood of financial strain.
Digital Convenience
Digital convenience allows a borrower to apply for personal loans online from the comfort of their homes and keep track of their loan through the digital platform.
Financial Empowerment
Whether it is investing in education, covering medical expenses, or realising personal dreams, getting a personal loan is the right solution for you.
Instant Personal Loan For All Your Needs
Choose from our specially curated personal loans for every need, like vehicle, shopping, travel, wedding and others.
Personal Loan Eligibility Criteria
The need for a short-term fund can arise at times. But there is no need to worry. If you are a working professional, you can go for an instant personal loan through InvestKraft. You just need to meet the minimum eligibility criteria.
Personal loans are easy to avail of and have a faster approval process. Also, there is zero collateral need and no end-use restrictions. You can easily get an instant loan if you match some standard eligibility criteria.
Every loan provider has different personal loan eligibility criteria for different individuals. These criteria determine your creditworthiness and pay out the loan amount accordingly. Here is a list of common eligibility criteria for lenders at InvestKraft. Submit your personal loan application today!
- Age: He or she should have completed 21 years of age. The maximum age limit to apply for a personal loan is 57 years.
- Citizenship: Applicants must be residents of India.
- Employment: Individuals must have a stable income status at a public/private company.
- Experience: Individuals must possess work experience of a minimum of 1 year with at least 1 month of stable employment.
- CIBIL score: Individuals must have a CIBIL score of 700 or above
List Of Documents Required For Personal Loan
The documentation required to process and sanction a personal loan application is standard and uniform across Financial Institutions. However, it may vary with different lenders based on a few factors. To get a personal loan through lenders at Investkraft, the personal loan documents required are:
- Identity Proof: PAN card, Aadhaar card, Voter ID card, Passport, or driver's license are all acceptable forms of identification.
- Residence Proof:The acceptable forms of residential proof include the Aadhaar card, Voter ID card, passport, property documents, maintenance bills, or driving license. You can also furnish a rent agreement, an electricity bill, or a telephone bill.
- Income Proof: The last three months bank statements or the last three months salary slips are acceptable forms of proof of income.
- Employment Continuity Proof: Employment Certificate of current employers, Experience Letters, and Relieving Letters from past employers.
- Other Documents: Two recent passport-size photos
Now Get a Personal Loan Online
IN 3 EASY STEPS
Your dreams matter to You and Us. We strive to ensure our every user gets the required online personal loan on priority.
Apply Personal Loan
1Check eligibility
You can use our personal loan eligibility calculator to check your eligibility.
2 Submit the docs
Next, submit the required documents online and click Submit to process your personal loan application.
3 Submit application
Verify the submitted information and click on Submit for further processing.
Interest Rates & Charges
InvestKraft facilitates personal loans with competitive interest rates. You can take advantage of low processing fees, a simple approval process, and speedy loan disbursements. Whether you have a wedding, home renovation or vacation in mind, lenders at InvestKraft can help you fulfil your needs. Personal loans are available starting at Rs. 50,000 and going up to Rs. 20 lakhs, with less paperwork required.
Experts at InvestKraft advise users to carefully review the personal loan interest rates to make an informed decision. The rates and fees may vary based on the duration of your loan. You are free to opt for a personal loan with the lowest interest rates.
Keep in mind that apart from the interest, there is a processing fee, and other charges subject to a specific lender. There are charges applied for missed payments and early loan closure. Prepayment. It is important to carefully consider both the interest rates and fees when evaluating a personal loan online to get the most out of it. Let us have a look at some common charges for a better understanding:
| Rate of Interest | 10.49% to 21% per annum |
| Repayment instruction / Instrument return charges | Rs.339/- per instance of dishonor of cheque /SI/ECS/NACH debit instruction + GST as applicable |
| Swap charges (Cheque/Instrument) | Rs.500/- per instance + GST as applicable |
| Penal Interest | @ 24% per annum i.e. 2% per month on the overdue installment. |
| Duplicate statement issuance charges | Rs.250/- per instance per set + GST as applicable. |
| Duplicate Amortization schedule issuance charges | Rs.250/- per instance per set + GST as applicable. |
| Credit Information Companies (CICs) Report Issuance Charges | Rs. 50/- per instance per set + GST as applicable. |
| No Dues Certificate generation charges (Duplicate) | Rs.50 per instance per set + GST as applicable. |
| Stamp Duty Charges | As per State Stamp Act |
| Part Payment / Pre-Payment Charges | 5% + GST (As applicable) *Pre payment charges shall be charged on principal outstanding. *Part payment charges shall be charged on the amount of part payment. |
Get Cash at Your Fingertips With Our Personal Loan. Apply Now!
Low Rates. Fast Approval. Easy Repayment Options.
Frequently asked questions
Investkraft may consider applications with lower credit scores, but interest rates could be higher.
No, you are required to submit the latest salary slip as part of the Personal Loan application process to take your loan application ahead.
Yes, Investkraft allows prepayment of personal loans, and we may have specific terms and conditions associated with it.
Yes, self-employed individuals can apply, and they need to provide business-related documents.
The approval process varies, but it often takes a few days after submitting all required documents.
Some loans have prepayment penalties; it’s essential to clarify this with Investkraft.
Investkraft offers competitive interest rates, transparent terms, flexible repayment options, and personalized customer service for a hassle-free borrowing experience.
Timely payments are crucial. Missing an EMI may attract penalties and impact your credit score.
With Investkraft, you can borrow up to 20 lahks as a personal loan.
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