 3 (2)-1758084631816.avif)
Personal Loan
Personal Loan
Fulfill your financial needs with a Personal Loan from Laxmi India Finance Ltd. (LIFC). Whether it’s for a medical emergency, home renovation, wedding expenses, travel, or debt consolidation, our instant personal loans come with minimal documentation, quick approvals, and flexible repayment options.
With our unsecured personal loan, you can get funds without collateral and repay conveniently in easy EMIs.
 (1)-1759561070725.avif)
Features & Benefits
Loan Amount:
Avail loans up to ₹4 lakh based on your eligibility.
No Collateral Required:
100% unsecured loan with no need for asset security.
Flexible Repayment Options:
Loan tenure ranging from 12 to 36 months.
Quick Disbursal:
Fast loan approval and fund transfer within 24-48 hours.
Affordable Interest Rates:
Competitive rates for salaried & self-employed individuals.
Minimal Documentation
Simple and hassle-free application process.
No Restrictions on Usage:
Use the loan for any personal financial requirement.
Prepayment Facility:
Option to foreclose or part-prepay the loan with minimal charges.
Eligibility
To apply for a Personal Loan, the following criteria must be met:
Age
- Salaried individuals: 21 – 60 years (at loan maturity).
- Self-employed individuals: 21 – 65 years (at loan maturity).
Employment Type
- Salaried employees, professionals, and self-employed individuals.
Minimum Monthly Income
- Salaried: ₹15,000 per month (varies by city & employer).
- Self-Employed: Minimum annual income as per business financials.
Employment Stability
- Salaried: At least 1 year of continuous employment with the current employer.
- Self-employed: Minimum 2 years of business continuity.
Credit Score
- A minimum CIBIL score of 650+ is preferred.
Documents Required
Identity Proof:
Aadhaar Card / PAN Card / Passport / Voter ID
Address Proof
Aadhaar Card / Utility Bill / Rent Agreement
Income Proof
Last 3 months' salary slips & 6 months’ bank statements
Employment Proof
Offer letter or employment certificate
Photographs
2 passport-size photos
Vehicle Loan Calculator
Use our Vehicle Loan Calculator to estimate your monthly installments based on:
Total Amount Payable:
₹15,85,809
Total Interest Payable:
₹5,85,809
Personal Loan FAQ
 (2)-1758605712446.avif)
Frequently Asked Questions
Salaried employees, self-employed professionals, and business owners who meet the income and credit score criteria.
Customer Support:
Email: