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Personal Loan

Medical emergencies, education, travel, home renovation — DealGini gets you a personal loan from 21 lenders matched to your income and credit profile, with minimal documentation.

Loan Amount ₹50,000 – ₹40 Lakh
Tenure 12 – 60 months
Processing Fee 1% – 3%
Turnaround 1–3 working days
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Loan Details

Everything you need to know
before you apply.

Key Figures
Loan Amount₹50,000 – ₹40 Lakh
Repayment Tenure12 – 60 months
Processing Fee1% – 3% of loan amount
Typical Turnaround1–3 working days
Principal Partners21 Banks & NBFCs
Interest RateDiscussed at application
Loan Types Covered
Emergency Medical Expenses Education & Skill Development Wedding & Family Events Home Renovation Travel & Holidays Debt Consolidation
Who Can Apply

Eligibility criteria.

These are general guidelines. DealGini works with multiple lenders — if you don't meet one lender's criteria, we find another that fits your profile.

Age
21–60 years (salaried) / 21–65 years (self-employed)
Applicant Type
Salaried employees, self-employed professionals, business owners
Income — Salaried
Minimum ₹15,000/month net; government / PSU / MNC preferred
Income — Self-employed
Minimum ₹2 Lakh annual net income with ITR proof
Credit Score
700+ for best rates; 650+ considered by select NBFCs
Employment
Minimum 1 year current employment / 2 years business vintage
What to Prepare

Documents checklist.

Keep these ready before applying. Our team will guide you on exactly which documents your chosen lender needs.

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Identity Proof
Aadhaar Card + PAN Card (mandatory)
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Address Proof
Aadhaar / Utility Bill / Passport / Rent Agreement
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Income — Salaried
3 months salary slips + 6 months bank statements + Form 16
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Income — Self-employed
ITR last 2 years + 6 months bank statements
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Employment Proof
Offer letter / Employee ID / Company HR certificate
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Photographs
2 recent passport-size photographs
EMI Calculator

Estimate your monthly payment.

This is an indicative calculation only. Actual EMI depends on the lender's interest rate and your profile.

Loan Amount ₹10,00,000
Interest Rate (% per annum) 12%
Tenure 36 months
Estimated Monthly EMI
₹33,214
₹10,00,000
Principal
₹1,95,704
Total Interest
₹11,95,704
Total Payable

* Indicative only. Actual rate depends on lender, credit profile and loan type. Contact DealGini for a precise quote.

Common Questions

Frequently asked
questions.

How quickly can I get a personal loan?+
With complete documentation, many lenders disburse within 24–72 hours. DealGini ensures your file is complete before submission to avoid delays.
Is collateral required for a personal loan?+
No. Personal loans are unsecured — no property or asset needs to be pledged.
Can I get a personal loan with a low credit score?+
Some NBFCs consider applicants with scores below 700, particularly if income is strong. DealGini will identify the right lender for your profile.
What happens if I want to prepay the loan?+
Most lenders allow prepayment after 6–12 EMIs with a foreclosure charge of 2%–5%. Some NBFCs offer zero prepayment charges.
Can I apply if I am self-employed?+
Yes. Self-employed professionals and business owners can apply with ITR proof. Some lenders also assess bank statement cash flows for informal income.
Also Available

Other products you
might need.

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📋 Important Financial Information & Disclosures
Repayment Period
Minimum 12 months — Maximum 84 months
(varies by product & lender)
Interest Rate Range (APR)
10.50% — 28% per annum
(based on profile, lender & product)
Loan Amount Range
₹50,000 — ₹5,00,00,000
(subject to lender eligibility)
Processing Fees
0.5% — 3% of loan amount
(charged by lender, varies)
📊 Representative Loan Cost Example
A Business Loan of ₹5,00,000 at an interest rate of 14% per annum over a repayment period of 36 months would result in an approximate monthly EMI of ₹17,087. Total repayment: ₹6,15,132. Total interest payable: ₹1,15,132. Processing fee (approx. 1%): ₹5,000. Actual rates and EMI will vary based on lender, applicant profile, and loan terms.
⚠️ No loan product facilitated by DealGini requires full repayment within 60 days of disbursement. All loans have a minimum repayment tenure of 12 months. DealGini Private Limited is a licensed Direct Selling Agent (DSA) and does not directly lend money. All loans are sanctioned and disbursed by our partner banks and NBFCs subject to their individual credit policies and eligibility criteria. Loan approval is not guaranteed. CIN: U70200WB2023PTC262166.
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