Eligibility criteria
- Age 21–60 years
- Salaried with min ₹12,000/month OR self-employed with 2+ yrs ITR
- CIBIL score 700+ preferred
- Indian citizen, resident in India
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Personal Loan
Instant Personal Loans — rates starting from 9.9%* p.a. onwards
Meet immediate financial requirements without pledging any asset. Medical emergency, wedding, home renovation, or vacation — we arrange unsecured loans from top lenders at competitive rates starting from 9.9%* p.a. onwards.
- Rates starting from 9.9%* p.a. onwards
- Zero collateral
- Minimum documentation
- Disbursement within 24–72 hours
- Tenure 12–60 months
- Loan up to ₹40 lakh
Interest from 9.9%* p.a.
*Starting rate, subject to lender approval, credit profile & loan amount. T&C apply.
EMI calculator
Plan your repayment
EMI Calculator
Live calculationQuick presets
50k50 L
Starting 9.9%*Up to 24%
1 yr5 yrs
No prepayment20% / year
Monthly EMI
₹ 10,599
for Personal Loan · 5 years @ 9.90%
Principal 79% Interest 21%
Principal₹ 5.00 L
Total interest₹ 1.36 L
Total payable₹ 6.36 L
*Indicative EMI based on the selected rate. Final rate, tenure and EMI are at the lender's discretion and depend on your credit profile.
Interest rates mentioned are indicative and final interest rates, eligibility, and approval terms are subject to lender policies and applicant profile.
Documents required
- PAN & Aadhaar
- Last 3 months salary slips (salaried)
- Last 6 months bank statement
- Form 16 / latest ITR
- Address proof
Fees & charges
Processing fee 1–3%* of loan amount, GST extra. Pre-payment 0–5%*.
Why route through Velixa
- Lowest rates from 40+ banks & NBFCs
- Single-window documentation
- Dedicated relationship manager
- Transparent fee disclosure
- Pre-approval eligibility checks
- Post-disbursal servicing support
Explore more
Other loan products
Business Loan
Collateral-free MSME funding up to ₹1 Cr* — rates ranging from 8.00%* to 30.00%* p.a.
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Home Loan
Buy, build or renovate your home — rates starting from 8.35%* p.a. onwards.
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Loan Against Property
Unlock liquidity from residential or commercial property.
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Overdraft (OD) Facility
Dynamic credit line — pay interest only on utilization.
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