Get Your Personal Loan with Attractive Interest Rates
Apply for a personal loan starting from 10.49% with minimal documentation and quick approval process
100% Paperless
Instant Approval
Why Choose Urban Money Personal Loan?
Get access to hassle-free personal loans with competitive interest rates and flexible repayment options
Quick Approval
Get your loan approved within 24 hours with minimal documentation requirements
Flexible EMI Options
Choose from flexible repayment tenures of up to 5 years with affordable EMIs
Competitive Rates
Enjoy interest rates starting from 10.49% with transparent fee structure
Zero Prepayment Charges
Prepay your loan anytime without any additional charges or penalties
No Impact on Credit Score
Check your eligibility without impacting your credit score
100% Digital Process
Complete end-to-end digital process with paperless documentation
Compare Personal Loan Interest Rates
Find the best personal loan rates from top banks and NBFCs in India
| Bank/NBFC | Interest Rate | Processing Fee | Loan Amount | Tenure | Action |
|---|---|---|---|---|---|
|
HDFC Bank
|
10.49% - 24% | Up to 2.50% | ₹50,000 - 40 Lakhs | 12 - 60 months | |
|
ICICI Bank
|
10.75% - 22% | Up to 2.25% | ₹50,000 - 35 Lakhs | 12 - 60 months | |
|
Bajaj Finserv
|
11.00% - 25% | Up to 3.00% | ₹30,000 - 25 Lakhs | 12 - 60 months |
Note: Interest rates and other charges mentioned above are indicative and may vary based on your profile and policies of the lending institutions.
* Processing fee is calculated on the loan amount and may vary based on the bank's discretion.
Check Your Personal Loan Eligibility
Find out how much loan amount you can get based on your income and profile
Eligibility Requirements
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Minimum monthly income: ₹20,000
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Age: 21-65 years
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Employment: Salaried or Self-employed
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Credit Score: 650+
Required Documents
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Identity Proof (Aadhaar/PAN)
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Address Proof
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Income Proof (Salary Slips/ITR)
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Bank Statements (3 months)
Our Banking Partners
Choose from 50+ trusted banking partners for your personal loan needs
Simple Application Process
Get your personal loan approved in 3 easy steps
Fill Application Form
Complete the online application form with your basic details and upload required documents
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Basic personal information
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Employment details
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Income details
Get Instant Approval
Our AI-powered system processes your application and provides instant approval
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Quick verification
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Digital processing
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Instant decision
Get Disbursement
Receive your loan amount directly in your bank account within 24 hours
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Quick transfer
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Direct to account
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Secure process
What Our Customers Say
Real experiences from our satisfied customers
Rajesh Kumar
Business Owner, Delhi
"The entire loan process was incredibly smooth. Got my personal loan approved within 24 hours with minimum documentation. Highly recommend Urban Money!"
Priya Sharma
IT Professional, Bangalore
"The digital process was seamless. The customer service team was very helpful throughout. Got a great interest rate too!"
Amit Patel
Consultant, Mumbai
"Competitive interest rates and transparent process. The EMI calculator helped me plan my finances better. Thank you Urban Money!"
Frequently Asked Questions
Find answers to common questions about personal loans
The minimum salary requirement varies by lender, but typically starts from ₹20,000 per month for salaried individuals. For self-employed individuals, the minimum annual income requirement is usually ₹2.5 Lakhs.
- Identity Proof (Aadhaar Card/PAN Card)
- Address Proof (Passport/Driving License)
- Income Proof (Salary Slips/Form 16)
- Bank Statements (Last 3 months)
The maximum loan amount depends on your income, credit score, and existing obligations. Typically, you can get up to 40 Lakhs based on your eligibility. Use our eligibility calculator to know your exact amount.
With our digital process, you can get instant approval within minutes. The loan amount is typically disbursed within 24-48 hours after document verification and approval.
Still have questions? We're here to help!