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Personal Loan

Personal Loan

We Are SurePath Financial Pvt Ltd

Quick and flexible, for emergencies, weddings, travel, or other personal needs. No collateral needed, but interest rates are usually higher .

Get instant financial assistance with a personal loan designed to meet your needs. Whether for emergencies, travel, education, or debt consolidation, enjoy competitive interest rates, flexible repayment terms, and hassle-free approvals. Apply today and take control of your finances! Let me know if you'd like any refinements.


Eligibility Criteria for Personal Loans in India

✅ Age : 18 - 60 years

✅ Salary : At least Rs 15,000 per month for salaried customers

✅ Income : At least Rs 5 lakh p.a. for self-employed customers

✅ Credit Score : Preferably 750 and above as having higher credit scores improve the chances of loan approval

✅ Employment Stability : Usually 1 year with some lenders requiring longer work experience

✅ Business Continuity : Usually 3 years of business continuity with some lenders requiring longer period of business continuity

✅ Employment Type : Salaried employees working with government, public sector undertakings, MNCs and other reputed corporates

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Features and Benefits of Personal Loan

We Are SurePath Financial Pvt Ltd

Personal loan is a preferred credit option for financing lifestyle goals and fund shortages due to their easy accessibility, minimal documentation and quicker disbursals. Here are the key features and benefits of personal loans:


Collateral-free loan

No end-use restriction

Loan amount of up to Rs. 40 lakh, which can exceed depending on lenders' discretion

Repayment tenure up to 60 months, which may exceed on case-by-case basis

Top up loans for additional requirements are offered by many lenders

Minimal documentation

Quick disbursals

Frequently Ask Questions


While you can apply for a personal loan directly with banks/NBFCs, making direct loan applications with multiple lenders can significantly reduce your credit scores and thereby, reduce your chances of getting the loan. To avoid this, you should visit online financial marketplaces like Paisabazaar, which allows you to compare personal loan offers from multiple partner lenders without adversely impacting your credit scores.
Personal loan interest rates offered by leading banks and NBFCs start from 10.49% p.a. depending on the credit profile of their loan applicants. However, some public sector banks may offer lower interest rates to their personal loan applicants.
Banks and NBFCs check an applicant’s personal loan eligibility based on his age, credit score, income, loan repayment capacity, occupation profile, employer’s profile, etc. Due to varying credit risk policies, the eligibility criteria may vary across lenders. Therefore, applicants would have to check their eligibility by individually visiting the branch or website of various banks and NBFCs.
For most individuals, a lender offering the lowest interest rate on personal loans would be the best as it will help them save on the overall interest cost of the loan. However, besides considering the interest rates, parameters such as the loan amount, tenure, processing fees and the time taken for loan approval and disbursal must also be considered when looking for the best bank for availing a personal loan.

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