Personal Loans


  • Transfer of an existing personal loan from another bank in India
  • Home renovation or other home related expenses
  • Marriage expenses
  • Travel expenses
  • Transferring an existing loan from another bank
  • Purchasing consumer durables or equipment
  • Any other personal needs and contingencies


  • Loan amount upto INR 15 lacs
  • Fixed rate of Interest - Interest charged on monthly reducing basis
  • Tenure up to 60 months
  • No security, no collateral
  • Loan payable in Monthly Easy Installments ,through Auto-debit / ECS / PDC

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Why InCred?

Product Benefits

  • A human approach to lending
  • Respectful and caring
  • World class customer service

Customer Focused

  • A human approach to lending
  • Respectful and caring
  • World class customer service

Simple & Easy

  • A human approach to lending
  • Respectful and caring
  • World class customer service

Product FAQs

What Is A Personal Loan?

A personal loan is an unsecured loan for your financial needs like medical emergencies, planning a holiday or a wedding, purchasing a consumer durable or meeting an unexpected cash flow need. Loan ticket sizes range from Rs 50,000 to Rs 7.5 lakhs.

What Are The Documents Required To Apply For A Loan?

As per RBI guidelines, we require a Proof of Identity, Proof of Address, PAN card for KYC requirements and a Bank Statement for the past 6 months to evaluate your loan eligibility.

What Is The Usual Loan Tenure?

Loan tenure ranges from 3 months to 3 years depending on your requirement.

How Do I Pay Back The Loan?

Once your loan is approved, and disbursed, you will be required to pay back the loan in Equal Monthly Installments (EMI), which will be automatically debited from your bank account via ACH.

Is It Possible To Pre-Pay My Loan Early?

InCred personal loans can be pre-paid early. There is a pre-payment fee that applies which is part of our loan documentation.

Can My Application Be Rejected?

If you are a genuine borrower, with no intent for fraud, a clean or new credit history, and documented incoming, then it is very rare for your application to be rejected. That said, fraudulent characters, and people with tainted credit histories, and past records of default often apply for loans on InCred, and our system is forced to reject such applications.

How Will The Loan Be Disbursed?

Post approval, your loan amount will be transferred digitally to your bank account.

What Happens If I Miss An EMI Payment?

Missing payments is a bad thing - you will have to pay a bounce fee, and a late payment penalty. Your credit history may also be impacted, and as such this is not something you should plan to do. If there are genuine circumstances, such as loss of job or other emergency, then please call us in advance so that we can re-structure your loan to fit the circumstances.