Personal Loan

Overview

Funds for life's unplanned chapters.

Life doesn't always align with payday. A medical emergency, a wedding deadline, an overseas course fee, a tempting debt-consolidation opportunity — sometimes you need a lump sum quickly and without pledging assets.

A personal loan is designed for exactly these moments. We help you compare offers across digital and traditional lenders, so you don't overpay just because you needed funds in a hurry.

Talk to an Advisor

Key Features

Why Personal Loan With SHF

No Collateral

Unsecured — no property, no guarantor, no asset pledge. Based purely on income and credit profile.

Quick Turnaround

For strong salaried profiles, disbursal can happen within 48 hours of complete documentation.

Flexible End-Use

Wedding, medical, education, renovation, travel, consolidation — no restriction on how you spend the funds.

Minimal Documents

PAN, Aadhaar, salary slips and bank statements for salaried. ITRs and business proofs for self-employed.

Debt Consolidation

Roll multiple high-interest credit-card or small loans into one comfortable EMI — often a big monthly saver.

Self-Employed Too

Not just salaried — proprietors and business owners with clean filings can also access personal loan products.

FAQs

Commonly Asked

Most mainstream personal loan products want a CIBIL score of 700 or above. A lower score narrows the pool but doesn't automatically disqualify — we'll check your report and suggest remedies if needed.

Generally no — unless the funds are used for a specific purpose like home construction, business, or higher education. Documentation and intent matter. Talk to your CA for specifics.

Depends on the lender. Many allow part-prepayment after 6–12 months with zero or nominal charges. We'll flag the clause before you sign.