The problem
A borrower who needs financial support for personal goals, emergencies, or planned expenses — without the complexity of group-based lending. The individual needs a transparent, documented loan process.
Our answer
An Individual Loan is designed for borrowers who need financial support for personal goals, emergencies, or planned expenses — without the complexity of group-based lending. The process is built around responsible lending: clear documentation, standard KYC, and transparent loan disclosures (such as Key Fact Statement) before final acceptance.
Who it serves
- Salaried or self-employed individuals
- Borrowers needing financial support for personal and household needs
- Those seeking transparent and documented loan process
- Individuals building financial discipline and credit confidence
How it works
Three steps. No surprises.
01
KYC-led onboarding
Standard identity verification and documentation collection as per applicable KYC requirements. Simple onboarding flow.
02
Repayment capacity assessment
Clear documentation including Key Fact Statement provided before loan acceptance. Transparent terms and charges disclosed upfront.
03
Quick disbursement
Fast and convenient process designed to reduce turnaround time. Structured repayment behavior supports stronger credit discipline over time.
Eligibility
- ID proof & address proof (as per KYC policy)
- Mobile number and basic profile details
- Salaried: salary slips / bank statement / Form 16
- Self-employed: ITR / business proofs as required
- Income proof if applicable
Indicative terms
- Purpose
- Personal / household / income-generating
- Tenure
- 12 – 36 months
- Repayment
- Monthly
- Documentation
- KYC-based onboarding
Verify with your nearest branch for current rates and terms.
Individual Loans Portfolio Metrics
Active Loans
1,840
Active Customers: 1,650
Portfolio Amount
₹14,25,00,000
Disbursement: ₹14,10,00,000
Avg. Ticket Size
₹75,000
For micro-enterprises
Avg. Interest Rate
21.50%
Risk-based pricing
Performance & Repayment Summary
Total Closed Loans
185
Closed Amount: ₹1,42,50,000
Accrued Interest
₹22,40,000
Recognized portfolio yield
Paid Interest
₹18,75,000
Collected collections
Ready to apply for an Individual Loan?
Apply online and our team will guide you through eligibility, documentation, and next steps.
Apply for Individual Loan