Apply for personal loan

  • 10.99% - 22%

    Interest Rate
  • 0.50 To 1.25%

    Processing Fee
  • Max 50L

    Loan Amount
  • 1 Year 6 Years

  • Know More

Special Offers

Personal Loan up to 50 lakhs starting from 10.25% Processing fee 3999/- only

Offer eligibility

  • Minimum salary required 25,000
  • For Employees of GOVT/PVT/PSU

Eligibility Criteria

  • Employees of selected private limited companies, employees from public sector undertakings, including central, state, and local bodies are eligible to apply for a personal loan
  • Age of the Individuals must be between 21 to 60 years
  • Loan Tenure 12 to 60 months.
  • Individuals must have had a job for at least 2 years, with a minimum of 1 year with the current organization or employer
  • Salary requirement:
    • For HDFC Bank Salary account holder: Customer must be earning a minimum of ₹ 25,000 net income per month
    • For NON-HDFC Bank Salary account holder: Must be earning a minimum of ₹ 30,000 net income per month

Interest Rates and Other Charges

  • Rack interest rate: Salaried: 10.75% to 21.30%
  • Loan processing charges: Up to 2.50% of the loan amount subject to a minimum of ₹ 2,999/- & maximum of ₹ 25,000/- for salaried customers
  • Prepayment in Part or full: Salaried- No pre-payment in part or full permitted until repayment of 12 EMIs Part-payment allowed up to 25% of principal outstanding. It is allowed only once in the financial year and twice during the loan tenure.
  • Pre-payment charges (on principal outstanding) / Part-payment charges [on part-payment amount] : Salaried- 13-24 months - 4% of principal outstanding, 25-36 months - 3% of principal outstanding >36 months - 2% of principal outstanding
  • Overdue EMI interest 2% per month on EMI / principal overdue
  • Cheque bounce charges ₹ 550/- per cheque bounce
  • 11.99% - 18%

    Interest Rate
  • 0.50 To 2.5%

    Processing Fee
  • Max 30L

    Loan Amount
  • 1 Year 5 Years

  • Know More

Special Offers

  • Personal Loan up to 25 lakhs starting from 11.49% Processing fee 1.50% only

Offer eligibility

  • Minimum salary required 15,000
  • For Employees of GOVT/PVT/PSU

Eligibility Criteria

  • Salaried employee of a private limited company or public sector undertaking, or self-employed with a minimum turnover as per the current policy
  • Age of the Individuals must be between 21 to 60 years
  • Loan Tenure 12 to 60 months.
  • Minimum Income for Loan Eligibility:
    • For salaried: 25,000 per month in Mumbai/ Delhi, 20,000 per month in rest of India
    • For self-employed: a minimum yearly profit after tax determined based on profession/industry
  • Individuals must have had a job for at least 1 year.

Interest Rates and Other Charges

  • Interest rate: Salaried: 11.99% to 36%
  • Loan processing charges: Between: 0% - 6% of the loan amount
  • Prepayment charges: Personal loan prepayment is allowed within 1 -17 months: 7%, 18 - 23 months: 5%, 24 - 35 months: 3%, After 36 months: Nil
  • Late Payment Charges upto 2% per month of the overdue amount calculated on day to day basis plus applicable taxes
  • Cheque bounce charges ₹ 300/- per cheque bounce
  • 22% - 30%

    Interest Rate
  • 2% + GST

    Processing Fee
  • Max 2.5L

    Loan Amount
  • 1 Year 3 Years

  • Know More

Special Offers

  • Instant Personal Loan From Upwards up to 2.5 Lacs

Eligibility Criteria

  • The applicant must be a citizen of India
  • Should either be an employee of a private limited company or public sector undertaking or be gainfully self-employed
  • Must be between 21 and 60 years of age
  • Further, the minimum income of the applicant should be:
    For Salaried Professionals:
    • 25,000/Month: if residing in Mumbai or Delhi
    • 20,000/Month: if residing in the rest of India


  • Easy online processing and instant approval
  • Amount of up to Rs. 2.5 lakhs can be availed as loan
  • Repayment tenure ranges between 12 to 36 months
  • Money is credited in the respective bank account within 24 hours of approval
  • 12.49% - 18%

    Interest Rate
  • Up to 1.50%

    Processing Fee
  • Max 25L

    Loan Amount
  • 1 Year 5 Years

  • Know More

Special Offers

  • Personal Loan up to 25 lakhs starting with 10.99% interest rate
  • Accepting documents via Digital Mode

Offer eligibility

  • Minimum salary required 20,000
  • For Employees of GOVT/PVT/PSU

Eligibility Criteria

  • Employees of selected private limited companies, employees from public sector undertakings, including central, state, and local bodies are eligible to apply for a personal loan
  • Age of the Individuals must be between 21 to 60 years
  • Loan Tenure 12 to 60 months.
  • Individuals must have had a job for at least 2 years, with a minimum of 1 year with the current organization or employer
  • Credit card Balance transfer is also accepted

Interest Rates and Other Charges

  • Rack interest rate: Salaried: 10.99% to 18.00%
  • Loan processing charges: Up to 1.50% of the loan amount subject to a minimum of ₹ 2,999/- & maximum of ₹ 20,000/- for salaried customers
  • Part-payment & zero foreclosure (after 1 year on any loan amount) facility available*
  • Zero part payment up to 50% of the outstanding amount is allowed after 3 months. For more than 50%, the charges would be 2.00%*
  • Overdue EMI interest 2% per month on EMI / principal overdue
  • Cheque bounce charges ₹ 550/- per cheque bounce
  • L&T
  • 11% Onwards

    Interest Rate
  • Upto 3% + GST

    Processing Fee
  • Max 7L

    Loan Amount
  • Upto 48 Months

  • Know More

Special Offers

  • Loan Limit: Minimum 50K and Maximum 7 Lakhs
  • Processing Fees: Upto 3% + GST
  • Loan Tenure: Upto 48 Months
  • Interest Rate: 11% Onwards

General information


Personal information

Code Verified

Appointment Date & Time

Current Address Details

Is current address same as permanent address

Permanent Address Details

Terms & conditions *

Company Information

Office Address

  • Yes
  • No



KYC Documents:-
  • PAN Card
  • Aadhar Card
  • Residence proof
Job Continuity Proof Anyone from the following:-
  • Current Job Appointment letter (if it is less then 1 year)
  • Experience Certificate (including your previous job certificate or appointment and relieving letter)
  • Latest passport size photo
Income Proof:-
  • Last 2 months salary slip
  • FORM-16 (Last 2 years)
  • Last 6 months bank statement where the salary has been credited
  • Last 12 month personal loan statement (In case of balance transfer)

Terms & Conditions

  1. Stamp duty at actual as per applicable law.
  2. Interest rate of sub. (subject to change as per terms and conditions /agreement) as per lender (monthly reducing)
  3. Processing charge of the borrower will be according to the lender.
  4. Govt. tax and levy as per applicable government laws would be charge on all fees and charges.
  5. Cheque/SI/ECS return charges (without prejudice to the civil and criminal rights and remedies of the bank for the dishonor)  As per lender
  6. Default interest / late payment charge: as per lender
  7. Legal repossession and incidental charges: At actual
  8. Duplicate amortization/ repayment schedule: as per lender
  9. Cheque /Si/ESI swapping charges: As per lender
  10. Details of security  As per lender
  11. Taxes at actual, applicable presently or in future.
  12. Date on which annual outstanding balance statement will be issued:31st may
  13. Loan cancellation charges:  As per lender Interest would be charged for the interim period between the date of disbursement and date of loan cancellation
  14. Gap interest will be recovered from disbursement amount where the number of the days between account credit date (i.e. of the disbursement amount ) and first EMI date is more that 30/31 days


Instant Approval

No Collateral Required

Flexible Tenure

Affordable Interest Rates

Overdraft Facility

Personal Loans Provider in India at Low Interest Rate

Personal Loans are given by most significant banks and money related organizations to people without requesting for prerequisite need in India. Real Finserv interfaces you to a system of qualified and prepared Personal Loan providers in India. It is important to recover your life on track in a matter of seconds, so you can proceed with the spotlight on the vital things. We don't take a charge or commission from your amount when you apply for personal credit online in India. We guarantee you that you get the best set of personal advice in India by looking at your points of interest against the qualification criteria of different banks and NBFCs. Our wide skill in this cluster enables us to offer assistance according to your demand. Our personal loans are accessible for a scope of various amounts and have diverse reimbursement terms in India. The reimbursement time frame relies upon the amount and the motivation behind the advance. The most extreme amount one can benefit depends from one loan specialist to another. You can likewise check your personal advance qualification by visiting our site. Also, we have a proficient personal credit EMI calculator which allows you to get a thought of how much advance money you ought to acquire. Further, you can likewise profit from our free credit report benefit before applying for an advance which gives a top to bottom investigation of your credit history.

People often land up in situations where they feel the need for financial help. A personal loan can help to overcome a financial crisis without providing any security or collateral. Also, a personal loan can fulfill many needs and clear your way to a stress-free life.

With so many deals available in the market, it can be a little confusing to choose the best option for you. Also, the application process for a personal loan may seem a bit hectic to some. Real Finserv solves all these problems for you. 

We are the leading financial service marketplace in Jaipur. We are the corporate channel partner of reputed financial institutions with a wide range of financial services and an assurance to provide you the best deal. 

Our services cost you nothing at all. We aspire to make common people self-reliant by being on their side in tough economic conditions. We make the process of getting a personal loan easy by enabling you to compare and choose from a variety of financial products. You can compare various options and secure a deal at the best rates. 

Key Features:

  • The Loan amount of a personal loan ranges from thousands to lakhs.
  • You can apply online for a personal loan in order to save time.
  • Contactless documentation and Fast processing.
  • No collateral, security or guarantor required.
  • Various loan offers of leading Banks and NBFCs.
  • On the spot approval and speedy disbursement.
  • Flexible tenure for repayment of the loan.
  • Special offers for selected professionals.
  • Special offers for current customers.

Benefits of Personal Loan:

  • Personal loans are versatile and hence can be used for various purposes. Unlike a car or mortgage loan, you can use the personal loan for repairs, medical bills, dream vacation, debt consolidation, and much more.
  • Personal loan is affordable because of the lower interest rates. The personal loan rates are more suitable as compared to the interest rates on credit cards.
  • Yet another benefit of getting a personal loan is that there are a variety of lenders offering them. You can borrow personal loans from traditional sources like banks or from online lenders or NBFCs.
  • Even with a low credit score, it is possible to get a personal loan. Some lenders offer personal loans to people with not-so-good credit score but at a higher rate of interest.
  • The interest rates for personal loans are fixed, and the payment remains the same every month.
  • A personal loan is instantly approved, while a mortgage and home equity loan can take at least a month to get approved. After the approval of a personal loan, the money gets deposited in your account within a few days.
  • Various lenders offer different repayment terms. They have multiple repayment options for personal loans. The term can vary from 1 year to 7 years, depending on the lender and your credit score.

How to get Personal loans at low-interest rates?

The personal loans with lower interest rates are usually offered to people with a good credit history. The interest is determined based on a few factors such as credit score and credit history of the applicant, amount of loan, income, loan tenure, and policies of the lender. If you wish to get a personal loan approved at low interest rates and other benefits, it is important to have a good credit score. In case of low credit score, you must improve your score first and then plan to apply for a personal loan.



  • Valid identity proof- Passport, Aadhar Card, Driving License, Voter Id, PAN card.
  • Valid address proof- Passport, Ration card, Lease/ rent agreement, Driving License, Utility bill, Bank statement.
  • Income proof documents- Salary slip of last 6 months and the latest form 16 needs to be submitted.
  • Bank statement- Bank statement for the past 6 months needs to be submitted along with salary credit.
  • Employment proof such as offer letter, relieving letter, etc.

+ More

Frequently Asked Questions

Personal loans can be used for any purpose such as medical emergency, wedding expenses, business expansion, house renovation, vacation expenses etc. It can be utilized towards debt consolidation, paying for the down payment of new house or meeting educational expenses. The uses for which personal loan can be utilized is limitless. The banks do not put any restrictions on its use. This is the very primary reason that demand for a personal loan is high as any kind of expenses can be met without much burden on its users. Hence personal loan is becoming the first choice of many people.

For applying for Personal Loan, one must need to follow certain requirements such as there must be a regular source of income whether you are salaried or self-employed. This is an essential factor as it determines whether you are capable of repaying the loan back or not. Another important requirement in case of a salaried employee is the company where he/she is working, and also, the credit history plays an important role in determining the rate of interest. Also, one must be minimum of 21 years of age and not exceeding 60 years of age. One can easily apply and get personal loan online as well.

The minimum amount that one needs to borrow in case of a personal loan varies from bank to bank. It depends upon different banks procedures and policy and also depends upon other factors as well. But usually, the minimum amount of easy personal loan varies from Rs. 25000 to Rs.30000. It may vary, but this is the standard limit. It is advisable to go through different lenders to choose the one which fulfils your requirements. Sometimes it also depends upon the source of income of one applying for the personal loan.

The maximum amount that one can avail through personal loan varies from person to person. It usually depends upon the financial capability of the person in repaying the loan. For salaried employees, the maximum amount is decided on the basis of their salary. The loan amount is decided in such a way that it EMI of the personal loan should not exceed 30 to 40 per cent of their salary. And in the case of self-employed, the maximum amount of personal loan is calculated on the basis of their profit. For this statement of profit and loss is analysed.

 Also, if there are other loans, then they are also taken into consideration. Credit history also plays an important role in availing a low-interest personal loan.

A personal loan is high in demand not only because it can be put to multiple uses without any restrictions imposed by the bank but also the flexible tenure it can be borrowed for. The tenure for which personal loan can be availed is from 12 months to 60 months. One can choose the time period as per their requirement, and it also depends upon the uses for which personal loan is borrowed. In some situation, a shorter or longer time period than the standard can be allowed by the lenders.

The documents that are required for the personal loan may vary from bank to bank. But some key documents are required by every bank or financial institution. These includes:

  • Document showing the proof of income.
  • Proof of Address
  • Documents related to the proof of identity
  • Any other documents as specified by the lender.

It is important to go through all the requirements of the lender before applying for the loan so that there is no headache afterwards. The whole process has been made simpler by applying for a personal loan online.

The process of personal loan approval is very easy. It does not involve a number of lengthy and cumbersome steps, and the loan can be availed within a few days which was not possible earlier as one has wait for a longer time to get the loan approved. The approval process depends upon the lender to lender. The process can be completed within 48 hours, or it might take a week or two but not more than that. All one needs to get it documents ready so that process of personal loan can be approved at a fast rate and you can then put the amount of loan to use. Moreover, it has become easier through personal loan online approval.

Personal loans are unsecured form of loans, i.e. one does not have to mortgage security in order to get the loan. Being an unsecured loan, the rate of interest charges on them are slightly higher when compared to other types of secured loans. The prevailing interest rates are different as per banks discretion, but the lowest personal loan rate charged is around 10.99 per cent. There are certainly other factors that also affect the rate of interest such as credit history of the applicant, the income level of the applicant, tenure for which loan is applied for and also other loans that are being taken by the applicant also affect the rate of interest on this loan.

The interest rates charged on personal loans differ from bank to bank as it depends upon a number of factors. One must compare the interest rate of different banks and other financial institutions to get  low interest personal loan. One can compare the interest loan rate of different banks through Real Finserv that provides you with all the details that are required in order to make an informed decision. In order to get the lowest rate on personal loan, one may consider Real Finserv for all the guidance.

As more and more banks, as well as other financial institutions, are offering personal loan, one can compare the interest and thus get the lowest interest rate as per their requirements. Earlier one has to go physically to different banks and financial institution in order to know about the interest rate, which made it difficult to get the best deal. It has now been made easier through the platform of Real Finserv that makes available the different rate interest of various banks or NBFCs so you can choose the best interest rate for loan.