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Guide · Personal loan basics

How to get a personal loan online in India

To get a personal loan online: check that you meet basic eligibility (age, income, a PAN card), compare offers from RBI-registered lenders, choose one, complete KYC with Aadhaar and PAN, read the Key Fact Statement, and accept. The lender then pays the money directly into your bank account. Finriseo lets you compare offers from several lenders in one form.

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Step by step

  1. Decide how much you need and the EMI you can afford
  2. Check your credit score — 700+ gives the most choice
  3. Compare offers from RBI-registered lenders (Finriseo shows the ones you match)
  4. Apply to one lender and complete KYC with Aadhaar and PAN
  5. Read the Key Fact Statement: APR, fees, EMI and tenure
  6. Accept and receive the money in your bank account

Basic eligibility

  • Indian citizen, usually aged 21 to 58
  • A regular income — salaried or self-employed
  • A PAN card in your own name and a bank account

Common mistakes

  • Applying to many lenders at once — each hard enquiry is recorded
  • Choosing the longest tenure without seeing total interest
  • Paying an “approval fee” to an agent — genuine lenders never ask for one

Frequently asked questions

How long does a personal loan take?

Digital lenders can approve and disburse quickly once KYC is done; the exact time depends on the lender.

What is the minimum personal loan amount?

It varies by lender. On Finriseo you can request from ₹1,000.

Explore more

Finriseo is a loan comparison platform, not a lender. Loans are given by RBI-registered NBFCs and are subject to their approval, rates and terms.

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