Personal Loan up to ₹25 Lakhs — Check Your Eligibility in 5 Minutes

Compare offers from our RBI-registered lending partners. The eligibility check takes about 5 minutes and does not affect your credit score.

  • No impact on credit score
  • 5-minute eligibility check
  • Multiple lender offers
  • ₹50,000 to ₹25 lakhs
Check My Eligibility

Personal Loan — Key Details

Loan amount
₹50,000 to ₹25,00,000
Repayment tenure
Minimum 12 months, Maximum 72 months
Interest rate
Starting at 10.99% p.a. (reducing balance)
Annual Percentage Rate (APR)
10.99% to 48% p.a.
Maximum APR
48% p.a. — inclusive of interest, processing fee and all other charges
Processing fee
Up to 5% of the loan amount + GST
Other charges
Prepayment, foreclosure and late payment charges vary by lending partner and are shown to you by the lender before you accept any offer.

Representative Example

A loan of ₹1,00,000 at 18% p.a. for 36 months, with a processing fee of ₹3,540 (3% + 18% GST).

Loan amount
₹1,00,000
Interest rate
18% p.a. (reducing balance)
Tenure
36 months
Processing fee
₹3,540 (3% + 18% GST)
Net amount disbursed
₹96,460
Monthly EMI
₹3,615
Total interest
₹30,140
Total repayment
₹1,30,140
Total cost of the loan (interest + fees)
₹33,680
APR
20.61%

This example is illustrative. Your actual loan amount, interest rate, processing fee and tenure depend on the lending partner's assessment of your profile.

GyanDhan is a loan facilitator and not a lender. All loans are offered, sanctioned and disbursed by RBI-registered lending partners, who make the final credit decision. The final interest rate, fees and tenure depend on the lending partner's assessment of your profile. GyanDhan does not charge borrowers any fee for this service.

How It Works

  1. 1

    Verify Your Identity

    Enter your phone number and PAN. We verify your identity securely.

  2. 2

    Share Your Details

    Tell us about your income and employment. Upload your bank statement.

  3. 3

    Get Your Offer

    See your eligible loan amount. A loan counsellor guides you through the next steps.

Frequently Asked Questions

Will checking eligibility affect my credit score?

No. We perform a soft credit check that does not affect your credit score.

What documents do I need?

Your PAN and 6 months of bank statements (PDF). That is all for the eligibility check.

How long does the process take?

The eligibility check takes about 5 minutes. If eligible, a loan counsellor contacts you within 24 hours to guide you through the next steps.

What loan amounts are available?

Personal loans from ₹50,000 to ₹25,00,000, depending on your eligibility.

Who are the lending partners?

We work with RBI-registered NBFCs and banks. The lending partners available to you depend on your profile and location, and the specific partner is disclosed to you before you apply.

What interest rate and APR will I pay?

Interest rates start at 10.99% p.a. on a reducing-balance basis. The Annual Percentage Rate (APR), which includes interest, the processing fee and all other charges, ranges from 10.99% to 48% p.a. Your actual rate depends on the lending partner's assessment of your credit profile, income and loan amount.

What is the minimum and maximum repayment tenure?

Repayment tenures range from a minimum of 12 months to a maximum of 72 months. The tenure offered to you depends on the lending partner and your profile.

What fees and charges apply?

The lending partner charges a processing fee of up to 5% of the loan amount plus GST, which is deducted from the amount disbursed to you. Prepayment, foreclosure and late payment charges vary by lending partner. All applicable charges are shown to you by the lending partner before you accept an offer. GyanDhan does not charge borrowers any fee for this service.

How do I raise a complaint?

You can write to us at contact@gyandhan.com or call +91 93111 24830 (Monday to Friday, 10am to 7pm). If your complaint is not resolved, you may escalate it to the RBI through the Sachet Portal at sachet.rbi.org.in.