Get a Personal Loan up to 20 lakhs

Looking for a personal loan to meet your diverse financial requirements? Submit your application for a Personal Loan with Investkraft.

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What is a Personal Loan?

A personal loan is an unsecured loan that tends to help borrowers meet their financial obligations. It is easy to avail of a personal loan as you are not required to pledge any collateral and it comes with very few restrictions on how you use the money.

Investkraft offers personal loans online with reasonable interest rates to those who qualify. Salaried individuals can choose to apply for a personal loan from the comfort of their homes using our online application method. We have served millions of consumers across India thanks to our customized solutions and open processes.

Listed Below are Some Advantages of Our Instant Personal Loan:
  • Online personal loan applications are available, and the entire procedure is paperless.
  • Collateral-free loans are offered at competitive rates, with minimum paperwork and adjustable payback terms
  • Any reason is permitted with a instant personal loan, including home improvements, wedding expenses, self-employed company needs, family vacations, debt consolidation, and unexpected medical costs.
  • Investkraft India offers attractive interest rates on its personal loan. The personal loan interest rates are adjudged by several factors such as the applicant's credit score, age, repayment capability, employment status, previous association with lenders, and occupation. Other than interest rates, there are minimum processing charges and prepayment charges that are quite affordable.
Things to Keep in Mind While Applying for a Personal Loan on Investkraft

Before you begin your application to apply for a personal loan on Investkraft, you must keep these important pointers in mind:

  • Finalize the loan amount you need
  • Ask yourself if you need the loan amount in your bank account or your lender’s account
  • Finalize the tenure of your loan
  • Check the interest rate offered by your lender
  • How much is the loan origination fee?
  • Check your credit score
  • Look if there are any alternate options available to you

A Personal Loan with Numerous Features & Benefits

Welcome to Investkraft personal loans, offering tailored solutions with competitive 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.

Learn about the benefits of a personal loan from Investkraft to meet your financial needs. Take a personal loan with us today.

Features of Personal Loan

  • Flexible repayment tenure: Whether it's for a medical emergency, education expenses, or a dream vacation, borrowers have the freedom to decide the loan amount within the specified range. Paying back your loan should be convenient, and you can experience this convenience with our instant personal loan. It comes with a flexible repayment tenure ranging from 12 months to 60 months. You have the freedom to choose the tenure as per your repayment capacity.
  • Fast confirmation and payment: In the fast-paced world, time is of the essence. Investkraft understands this, and its online personal loan product is designed for quick approval and disbursement. The application process is streamlined, and eligible borrowers can check their loan eligibility and expect funds in their accounts in a relatively short time frame.
  • No Collateral Requirement: Our Unsecured Personal Loan sets itself apart from some traditional loans that might demand collateral. This allows borrowers to access funds without pledging assets, providing a convenient option for those without valuable collateral to offer.
  • Easy Repayment Options: Investkraft prioritizes borrower convenience, and this is evident in the flexible repayment options available. Borrowers can choose from various repayment tenures, allowing them to align their loan repayment with their financial capabilities.
  • Online Application and Management: Investkraft embraces technology to simplify the borrowing experience. The personal loan application can be completed online, saving borrowers the hassle of visiting a physical branch. Additionally, the online platform provides easy access to loan terms repayment schedules, and other relevant information.
  • Transparent Fee Structure: Transparency is a cornerstone of Investkraft's approach to lending. The fee structure associated with the personal loan is clearly outlined, ensuring that borrowers are aware of all applicable charges. This transparency fosters trust between the borrower and the lending institution..

Benefits of Personal Loan

  1. Financial Flexibility: Our Personal Loan empowers borrowers with financial flexibility. Whether it's consolidating debt, covering unexpected expenses, or pursuing personal goals, this loan product provides the financial support needed to navigate life's various challenges.
  2. No risk to Assets: The absence of collateral requirements means that borrowers can secure the funds they need without risking valuable assets. This is particularly advantageous for individuals who may not possess substantial assets or are hesitant to put them on the line for a loan.
  3. Improved Credit Score: Responsible repayment of the personal loan can positively impact the borrower's credit score. As timely payments are made, the borrower demonstrates financial discipline, which is reflected in an improved credit history. This could open the door to better financing in the future.
  4. Quick Access to Funds: We understand the urgency often associated with the need for personal loan. The swift approval and disbursement process ensures that borrowers can access the funds they require promptly, enabling them to address time-sensitive financial needs.
  5. Customized Repayment Plans: Recognizing that one size does not fit all, Investkraft allows borrowers to choose from a range of repayment plans. This customization ensures that borrowers can select a plan that aligns with their income and financial commitments, reducing the likelihood of financial strain.
  6. Digital Convenience: The online application and management platform make the entire borrowing process convenient and accessible. Borrowers can apply for personal loan online from the comfort of their homes and monitor their loan details with ease through the digital platform.
  7. Financial Empowerment: Ultimately, our Personal Loan is designed to empower individuals by providing them with the financial means to pursue their aspirations and navigate life's challenges. Whether it's investing in education, covering medical expenses, or realizing personal dreams, this loan product serves as a catalyst for financial empowerment.

Ways to Use Our Personal Loan?

  • Debt Consolidation: Use our instant personal loan to consolidate high-interest debts into a single, more manageable loan with a potentially lower interest rate.
  • Pay medical bills Medical emergencies can take a toll on your finances. Even if you have health insurance, it may not cover all medical expenses during an emergency you may need prompt financial assistance to pay off hefty medical bills and, in such instances, Investkraft offers a quick medical emergency loan with flexible loan tenure.
  • Travel Funding: Plan and finance your dream vacation or travel experiences with a personal loan.
  • Host a wedding- As a result of the rise in inflation, weddings have become more expensive. You can take out a Personal Loan to cover these high-cost wedding expenses.
  • Special Occasions: Mark important milestones or celebrations by using the loan for special events or gifts.

Fast loan Approval with Simple Eligibility Criteria and Minimal Documentation

Investkraft’s personal loan eligibility criteria make the process easy for applicants. Apply for the loan and receive a high-value sanction with minimal documentation. Ensure you meet the basic eligibility criteria and gather the necessary documents for a hassle-free application

Personal loans are flexible and can be used for various purposes such as weddings, travel, education, vehicles and home renovation. They have a shorter repayment tenure of 1 to 5 years and are popular among many borrowers.

Personal Loan Eligibility Criteria

Getting a personal loan is a one-stop solution for all your financial crises. Personal loans are easy to avail of and have a faster approval process with zero collateral needs 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 of Investkraft for granting personal loans.

  • Age: He or she must be minimum 21 years old and above. The maximum age limit to apply for 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: Individual must possess the work experience of a minimum of 1 year with at least 1 month 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 are standard and uniform across Financial Institutions, but it may vary with different lenders on the basis of a few factors. To get the personal loan from 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: Aadhaar card, voter ID card, passport, property documents, maintenance bills, or driver’s license are all acceptable forms of residential proof. You can furnish the owner with a rent agreement, an electricity bill, or a telephone bill.
  • Income Proof: The last three months’ bank statements or the last three months’ wage 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

Profile Verification

Documentation required for a personal loan application varies on the basis of the credit-risk profile of a personal loan applicant. For salaried individual’s documentations are simpler compared to a self-employed individual or professionals.

Further the complexity of the personal loan documentation changes the basis of the type of organization. A self-employed individual is owning a proprietorship/partnership firm, Private limited company, public limited company or LLP. It also varies per the loan amount required. Some other points are consider are:

  • Repayment Track on existing Loans and Cards: Repayment tracks of the loans and cards may be required
  • Resident Type: Some documents may vary on the basis of resident type of loan applicant
  • Age of loan applicants: While accepting a personal loan application, Banks and other types of lenders require 3 types of documents which includes banks internal documents, KYC documents and financial documents.

Interest Rates & Charges

Investkraft offers personal loans with competitive interest rates, low processing fees, a simple approval process and speedy disbursements. Whether you have a wedding, home renovation or vacation in mind, Investkraft can help you achieve your goals. Personal loans are available starting Rs. 50,000 and go up to Rs. 20 lakhs, with less paperwork required

Make sure to carefully review the personal loan interest rates and fees provided below to make an informed decision. The rates and fees may vary based on the duration of your loan and any additional charges that may apply, if you modify your payment terms, will also be outlined

In addition to the bank loan interest rates, there are also fees associated with late or missed payments, as well as fees for making extra payments or paying off the loan early. It is important to carefully consider both the interest rates and fees when evaluating a loan to get the most out of it.

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.

Monthly EMI

₹ 8,676

Loan amount


Rate of interest (p.a)

1 %

Loan tenure

1 Years
30 Years

Instant Personal Loan For All Your Needs

Zero Worries About Money

Choose from our specially curated personal loans for every need, like vehicle, shopping, travel, wedding and others.


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Your dreams matter to You and Us and we promise to do our best to help you achieve those dreams!

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1Check eligibility

Use our personal loan eligibility calculator to check your eligibility.


2 Submit the docs

Next, submit the required documents online and click Submit


3 Submit application

Verify the submitted information and click on Submit for further processing.


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Frequently asked questions

A. Investkraft may consider applications with lower credit scores, but interest rates could be higher.

A. No, you are required to submit the latest salary slip as part of the Personal Loan application process to take your loan application ahead.

A. Yes, Investkraft allows prepayment of personal loans, and we may have specific terms and conditions associated with it.

A. All applicants must be Indian nationals, between 21 and 57 years of age, have a monthly income of at least ₹20,000, have job experience of 1 year, and have current employment continuity at an approved company for at least 1 month.

A. Yes, self-employed individuals can apply, and they need to provide business-related documents.

A. The approval process varies, but it often takes a few days after submitting all required documents.

A. Some loans have prepayment penalties; it’s essential to clarify this with Investkraft.

A. Investkraft offers competitive interest rates, transparent terms, flexible repayment options, and personalized customer service for a hassle-free borrowing experience.

A. Timely payments are crucial. Missing an EMI may attract penalties and impact your credit score.

A. With Investkraft, you can borrow up to 20 lahks as a personal loan.


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