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Personal Loan up to INR 50 Lakhs
Quick Disbursal -
Lowest Interest Rates
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Completely Online Process
Why InvestKraft?
We are India’s fastest growing fintech company with all BFSI services on one platform.
Get a Personal Loan up to 50 Lakhs
What is a Personal Loan?
A personal loan is an unsecured loan you can take from a bank or NBFC to meet your financial needs, like medical bills, travel, or education.
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Personal Loan EMI Calculator
Wondering how much you will pay every month on your personal loan? InvestKraft's Personal Loan EMI Calculator gives you an instant answer.
Best Personal Loan with Lowest EMI
We have a personal loan for all your occasions, needs and emergencies.
( Click on your preferred personal loan now)
Benefits of Personal Loan from InvestKraft
There are literally hundreds of personal loan app and small loan app in the market, yet we suggest that InvestKraft is the best instant loan app for the following reasons:
Financial Flexibility
Get an instant personal loan online to manage emergencies, pay debts, or fund personal goals - on your terms.
No Risk to Assets
Our unsecured personal loans do not need any collateral. Apply without risking your home or valuables.
Improved Credit Score
Repay on time and boost your credit score. A personal loan can improve your eligibility for future financing.
Minimum Documentation
Apply easily with just PAN, Aadhaar, and basic details. No heavy paperwork needed.
Quick Access to Funds
Get funds in your account fast with our quick approval and disbursal process. No waiting.
Customised Repayment Plans
Choose flexible EMIs that suit your income. Personalised loan tenures reduce financial stress.
Digital Convenience
Apply for a personal loan online anytime, track your status, and manage repayments on our secure platform.
Financial Empowerment
From education to emergencies, get the funds you need - fast, easy, and 100% online.
More Details About Personal Loan
Let us understand more about personal loans from InvestKraft:
- A personal loan is an unsecured loan, which means you do not have to pledge any security in order to get a loan. A security can be your property, fixed deposit or other government bonds.
- Personal loans are basically for short-term financial emergencies, wherein you need instant money for certain situations.
- The money you get from a personal loan is directly deposited into your bank account.
- The amount of loan and rate of interest depends on several factors, like tenure, your CIBIL score and more.
- With InvestKraft, an instant personal loan is quick and smooth with minimum paperwork.
Personal Loan Eligibility Criteria
The following are the eligibility criteria you need to meet in order to get a personal loan:
- Age: Between 21 to 57 years
- Citizenship: Must be a resident of India
- Employment:Must have a stable job in a public or private company
- Work Experience: At least 1 year of total work experience and 1 month in your current job
- CIBIL score: 700 or above for faster approval
However, when you apply with InvestKraft, these eligibility criteria are relaxed, and we do our best to get your personal loan as early as possible. Apply for a personal loan now on InvestKraft and get quick disbursal.
With InvestKraft, we get your personal loan done with low CIBIL score and relaxed eligibility criteria.
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
These documents help our partner lenders verify your eligibility and process your loan quickly.
How to Get a Personal Loan?
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 and Charges for Personal Loan
We make sure that you remain focused on your goals when you take a personal loan from us, as our charges are very low.
| 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. |
Whether you have a wedding, home renovation or vacation in mind, InvestKraft can help you fulfil your needs. Many a time we have heard questions like,” How much personal loan can I get? ” and to answer that, we assure you that from INR 50,000 to INR 50,00,000, we got you covered, depending upon your application.
Important Points to Note When Applying for a Personal Loan
Taking a personal loan to fulfil your goals and ambitions is a great thing, but before you proceed, there are certain things we would like you to know, so that you can make an informed decision:
- Variable Interest Rates: We strongly suggest that you check and compare personal loan interest rates before proceeding with your application, as these are subject to change and depend on the market conditions.
- Charges Depend on Your Application: Loan processing fees, interest rates, and other charges vary depending on your CIBIL score, your financial repayment capacity, the amount of loan, duration and certain other factors
- Other Charges: Apart from the interest, there are other charges like processing fees, which depend on the lender you choose for your personal loan.
- Late Payment Penalty: Also, there are charges for missing or delaying your monthly EMI, which is again lender-dependent. We strongly recommend that you check these charges before proceeding.
- Pre-closure Charges: If you repay your entire loan before the tenure, then there are foreclosure charges or pre-closure charges. These charges depend on the lender and are mentioned in the sanction letter.
Get an Instant Cash Loan with InvestKraft. Apply Now!
Low Interest, Fast Approval, Flexible Repayment
Get an Insta Personal Loan Anywhere in India
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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 INR 50 lakhs as a personal loan.
Digital Journey
Lower Interest Rates
Easy Documentation Process
