Collateral-Free Finance
Unsecured Loan
No assets to pledge? No problem! Get funds purely based on your creditworthiness and income. Zero collateral, minimal documentation, and lightning-fast processing.
Unsecured Loan
Quick OverviewLoan AmountUp to ₹20 Lakhs
HighlightNo Collateral
TenureUp to 5 Years
Processing24 Hours
Key Features
What makes our Unsecured Loan stand out from the rest.
No Collateral
Absolutely no asset or property pledge required. Your signature is enough.
Instant Processing
Application to disbursement in as fast as 24 hours with digital verification.
Credit Score Based
Loan amount and rate determined by your credit history and repayment track record.
Minimal Paperwork
Just identity proof, income documents, and bank statements — that's all you need.
Flexible Usage
Use the funds for any purpose — personal, medical, travel, renovation, or debt consolidation.
Pre-approved Offers
Existing customers with good track record get pre-approved loan offers at special rates.
Eligibility Criteria
- Indian citizen aged 23-55 years
- Salaried professional with 2+ years experience
- Minimum monthly income of ₹30,000
- Credit score of 700 or above
- Stable employment with reputed organization
- No defaults or overdue on existing loans
Documents Required
- PAN Card & Aadhaar Card
- Last 3 months salary slips
- Last 6 months bank statements
- Form 16 / ITR (last 2 years)
- Employment letter/ID card
- Current address proof
Frequently Asked Questions
An unsecured loan is essentially a type of personal loan where no collateral is needed. The key differentiator is that approval is heavily based on your credit score and income stability rather than assets.
A minimum credit score of 700 is required for unsecured loans. Higher scores (750+) can qualify you for larger amounts and better interest rates.
Since no collateral is pledged, the lender takes higher risk. This risk is reflected in slightly higher interest rates compared to secured loans. However, our rates are still very competitive.
Yes, after regular repayment of 6+ EMIs, you may be eligible for a top-up loan or limit enhancement based on your repayment history and updated income.
Defaults negatively impact your credit score and may lead to legal recovery proceedings. We recommend contacting us immediately if you face repayment difficulties — we offer restructuring options.