Instant Personal Loan Without CIBIL: How to Get 50,000 to 5 Lakh Easily

Sometimes, an emergency financial situation comes up, and we suddenly find ourselves out of options. During those critical moments, instant loans help us overcome the situation without harming our livelihood. Consider these real life examples, which will help you get a better idea of how instant loans can be very helpful:

• Rohit from Pune suddenly needed ₹50,000 for his mother’s surgery, but his CIBIL score was low, and he could not get the amount on time.
• Priya in Delhi wanted to revamp her kitchen with a ₹2 lakh modular upgrade, but she had never taken a loan before. Thus, she had to postpone her plans.
• Aman from Hyderabad needed ₹5 lakh for his sister’s wedding, but his bank rejected him due to poor credit history. The entire marriage had to be called off at the last moment.

If the above examples sound familiar? You are not alone. Every month, lakhs of Indians search for instant personal loan without CIBIL score because they either have no credit history or a low score. The good news? In 2026, it is very much possible to get loans ranging from ₹5,000 to ₹5 lakh (and even higher) without a strong CIBIL score.

Read this article till the end, to know the exact steps you need to take to get a loan of Rs.50,000 to Rs.5,00,000 without CIBIL score.

What is a CIBIL Score?

CIBIL score is like your financial report card. It is between 300 to 900. A score above 750 is considered good and makes it easy to get loans. If you have not taken any loans, your CIBIL score will be -1 (or "NH" for "no history"), indicating a lack of credit history, but if you have missed EMIs in the past, your score could be low.

Banks usually reject such cases. But fintech apps like InvestKraft and NBFCs now use alternative data like:

• Bank statements and inflows.
• Utility bills, mobile payments.
• Digital footprints and past repayment behaviour.
• Co-applicant or guarantor backing.

If you meet their internal requirements, you can get an instant loan easily even without CIBIL score at all.

Loan Amounts You Can Get Without CIBIL Score

Without CIBIL score, you can get instant loans from ₹50,000 to ₹5 lakh loans. The following table shows the loan amount with real life examples:

Important Facts About Instant Loan Without CIBIL in 2026

Here are some important facts about small instant loans up to INR 5 lakhs without CIBIL in 2026:

₹50,000 Loan Without CIBIL

• Apps like InvestKraft, MoneyView, NIRA give small ticket loans.
• Perfect for emergencies (medical, travel, gadgets).
• Only Aadhaar, PAN, bank statement required.

₹2 Lakh Loan Without CIBIL

• Common for home renovation (kitchen revamp, bathroom upgrade).
• Lenders check alternate income proof like freelance payments, gig work receipts, or co-applicant.

₹5 Lakh Loan Without CIBIL

• Weddings, debt consolidation, education.
• Slightly stricter – need salary inflow or guarantor.
• EMI around ₹23,500/month (2 years at 12%).

Personal Loans Available with InvestKraft

With InvestKraft, getting your instant loans without a CIBIL score is easy. Depending on your need, you can apply for:

• Wedding Loan: Manage venue, jewellery, and catering.
• Vehicle Loan: Buy a car or bike.
• Travel Loan: Plan domestic/international trips.
• Professional Loan: Special loans for doctors, CAs, freelancers.
• Women Loan: Designed for women borrowers with benefits.
• Self-Employed Loan: For freelancers and business owners without a fixed salary.
• Education Loan: For studies in India or abroad.
• Consumer Durable Loan: Get the latest mobile, AC, or gadget.

You can explore all InvestKraft Personal Loans and choose what fits your need.

How to Apply for an Instant Personal Loan on InvestKraft

You can easily apply for an instant loan from InvestKraft in a few simple steps:

• Step 1: Visit InvestKraft Website.
• Step 2: Select Personal Loan.
• Step 3: Fill in your details and click Apply Now.
• Step 4: Upload Aadhaar, PAN, and bank statements.

Get approval and instant disbursal.

Bonus Section: How to Increase Your CIBIL Score for Future?

While you can get loans without CIBIL, improving your CIBIL score helps for bigger loans later and with ease. Here is how you can increase your CIBIL score for future:

• Always pay EMIs on time.
• Keep credit card usage under 30% of the limit.
• Do not apply for too many loans at once.
• Check your CIBIL regularly. It is free and you can check from the official CIBIL site.

Should You Borrow or Earn?

Sometimes, instead of taking a ₹50,000 loan, you can earn ₹50,000 by becoming an IK Partner. The best part is that you can start with zero investment. Visit our website to learn more about IK Partner.

Conclusion

Getting an instant personal loan without CIBIL score in India is possible. Whether it’s a ₹50,000 emergency loan, ₹2 lakh home renovation, or a ₹5 lakh wedding loan, InvestKraft makes it simple, digital, and fast. But borrow smartly:

• Use the EMI Calculator before applying.
• Choose only what you can repay.
• Or better, start earning with IK Partner.

Frequently Asked Questions

Can I get an instant ₹50,000 loan without CIBIL score?

Yes, InvestKraft and other RBI-approved apps provide ₹50,000 loans with Aadhaar, PAN, and bank statement.

How to get a ₹5 lakh loan without CIBIL?

Add a guarantor or co-applicant, show steady income inflows, and apply on InvestKraft.

Is InvestKraft RBI-approved?

Yes, InvestKraft is RBI-approved and 100% safe.

Can I get a loan without documents?

Basic KYC (Aadhaar, PAN) and bank statement are always needed. Beware of scams that promise “loan without documents.”

Which loan is best for home renovation?

For modular kitchen or bathroom revamp, a Home Renovation Personal Loan from InvestKraft (₹2-5 lakh) works best.

Can students get loans without CIBIL?

Yes, with a co-applicant (parent/guardian) or stipend proof.

Which banks give ₹50,000 loan without CIBIL?

Most banks need CIBIL. But NBFCs/fintech apps like InvestKraft offer instant loans without strict score checks.

Author: Diwakar Kumar Singh

Diwakar Kumar Singh is a finance writer and BFSI specialist with 7+ years of experience in financial content and research. He has authored hundreds of finance articles, published multiple books internationally, and contributed to research publications. A Gold Medalist MBA from IMT, he brings a strong analytical understanding combined with clear, reader-focused communication. His work focuses on simplifying complex financial topics, including IPO analysis, unlisted shares, financial ratios, and company evaluations, providing well-researched and evidence-based insights to help readers make informed financial decisions.