Personal Loan

Personal Loans Built Around Your Income, Not Just Your Score

Borrow for any personal need — from medical bills to weddings — with minimal paperwork and a decision in hours, not weeks.

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Live Estimate

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Estimated EMI for the loan below

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Features & Benefits

What you get with the Personal Loan

Key Features

✓Loan amounts from ₹25,000 up to ₹20 lakh
✓Tenure flexibility from 6 to 60 months
✓100% unsecured — no collateral required
✓Fully digital application via WhatsApp or web

Benefits

✓No advance or hidden processing fees
✓Funds disbursed directly to your bank account
✓Prepay or foreclose anytime after lock-in
✓Dedicated advisor for the full process

Eligibility & Documents

Who can apply, and what you'll need

Eligibility Criteria

✓Age 21–58 years
✓Minimum monthly income of ₹15,000
✓Salaried, self-employed or business owner
✓Valid bank account and KYC documents

Documents Required

✓PAN Card and Aadhaar Card
✓3–6 months' bank statements
✓Latest salary slip or income proof
✓Passport-size photograph

The Process

How to get your personal loan

Check Eligibility

Share basic details to see your estimated eligibility instantly.

Submit Documents

Upload KYC and income proof securely through WhatsApp or our portal.

Profile Review

Our credit team reviews your profile and shares offer terms.

Disbursal

Approved funds are transferred directly to your bank account.

Apply For Personal Loan

Tell us a little about your requirement and we'll get back on WhatsApp.

FAQs

Common questions about the Personal Loan

How much personal loan can I get?+

Loan amount depends on your income, obligations and credit profile, typically ranging from ₹25,000 to ₹20 lakh.

Can I prepay my personal loan early?+

Yes, most personal loans allow part-prepayment or full foreclosure after an initial lock-in period.

Is collateral required for a personal loan?+

No, personal loans from Bharat Funds are unsecured and don't require any collateral.

How long does disbursal take after approval?+

Once approved, funds are typically disbursed within 24 hours to your linked bank account.