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Benefits & Features
Interest rate starting at 11%
Benefit from low interest rates, ensuring affordability and savings.
100% Digital Process
Effortlessly manage your loan with our digital process.
Flexible Tenure upto 60 Months
Tailored repayment options up to 60 months for your convenience.
Get Personal Loan up to ₹5 Lakh in 5 mins!
Benefits & Features
Interest rate starting at 11%
100% Digital Process
Tenure up to 60 Months
Get Money in your Bank Account Instantly
Enter Mobile Number
An OTP will be sent for verification
By continuing, I agree to CIBIL Terms and Conditions and authorize HTDS and its Partners to collect and store the Credit Bureau data for checking my eligibility for loan.
By continuing, I agree to the Privacy Policy and Terms and Conditions of HTDS and its Partners, and I consent to receive communications via SMS, E-mail, and WhatsApp. I hereby confirm that my preferred language of communication would be English.
Our Lending Partners
Loan Solutions from Our Trusted Lenders
Your loan is 3 steps away
Enter Basic Details
Choose & Apply Loan Offers
Instant Cash in Bank
Personal Loan Eligibility
Age:
21 - 65 years
Income:
Minimum Rs 15,000/month for salaried applicants
Resident:
A resident of India
Why Choose Us
Trusted by 1M+ users daily
Your Money, Our Expertise
Mint: India’s Trusted Financial Expert
100% Digital Loans
No Paperwork, No Collateral
Best Loan Offers
Lowest Rate, Flexible tenures
RBI Registered Partners
Borrow securely from Reliable lenders
Rates & Charges Loan Terms
Finance Amount
₹5,000 - ₹20,00,000
Processing Fee
1.5% of loan amount upto 5%
Pre Closure Charges
2% of outstanding principal
Tenure
6 months - 5 years
Interest Rates & Penalty Charges
Monthly ROI
0.9% to 3%
Annual APR
10.5% to 45% other charges
Cheque Bounce
₹500 per instance
Late Payment
2% per month on overdue EMI
Illustrative Annual APR Calculation
The Annual Percentage Rate (APR) ranges from 10.5% to 45%. The Annual Percentage Rate is the total annual cost of your loan expressed in percentage. It includes the yearly rate of interest charged by the lender and other fees levied such as processing fees, administrative charges, loan insurance costs, etc.
Case 1
For example, assume that you have availed a personal loan of Rs. 5 lakhs @ 10% p.a. with a repayment tenure of 5 years. The processing fee charged for this loan is 1.5% of the loan amount, which amounts to Rs 7,500. And you have taken an insurance guarantee for loan of Rs 1,500 and there are administrative charges of Rs 1,000 Therefore, the total borrowing cost of your personal loan will be Rs 1,47,411 and its APR will be 10.88%.
Case 2
For example, assume that you have availed a personal loan of Rs. 5 lakhs @ 10% p.a. with a repayment tenure of 12 months. The processing fee charged for this loan is 1.5% of the loan amount, which amounts to Rs 7,500. And you have taken an insurance guarantee for loan of Rs 1,500 and there are administrative charges of Rs 1,000 Therefore, the total borrowing cost of your personal loan will be Rs 37,495 and its APR will be 13.84%.
Variable
Case 1
Case 2
Loan Amount/Principal
₹5 Lakhs
₹5 Lakhs
Tenure
60 Months
12 Months
Interest Rate
10% p.a
10% p.a
Monthly EMI
₹10,643
₹43,643
Total Interest (A)
₹1,37,411
₹27,411
Processing Fee (B)
₹7,500
₹7,500
Insurance Cost (C )
₹1,500
₹1,500
Admin Cost (D)
₹1,000
₹1,000
Total Borrowing (A+B+C+D)
₹1,47,411
₹37,411
APR
10.88%
13.88%
Disclaimer:
Mint is a loan aggregator and is authorized to provide services on behalf of its partners.
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