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Overview Eligibility Features & Benefits Fees & Charges Documents FAQs Terms & Conditions

Product Overview

InCred Finance Personal Loan is offered by InCred Finance to provide quick financial assistance for needs like medical emergencies, travel, wedding, or other personal expenses. It features a fully digital process, quick approval, and flexible repayment options for salaried individuals.

With fast processing, minimal documentation, and easy eligibility, it is a reliable option for entrepreneurs and individuals looking for quick financial assistance.

Eligibility Criteria

Applicant must be an Indian resident
Age: 21 to 60 years
Salaried individual (primary target segment)
Minimum monthly income: ₹15,000+ (varies by city/profile)
Minimum work experience: 6–12 months
Good CIBIL score (700+ required, 750+ preferred)

Features & Benefits

Loan Amount: ₹50,000 to ₹15,00,000 (based on eligibility)
Interest Rates starting from ~16% p.a. onwards
Quick approval & fast disbursal
100% digital & paperless application process
No collateral required (unsecured loan)
Flexible repayment tenure up to 60 months (5 years)
Minimal documentation required
Suitable primarily for salaried individuals
Multi-purpose usage (no restriction on end use)

Fees & Charges

Processing Fee: Upto 2% – 5% + GST
Interest Rates: ~16% – 36% p.a. (profile-based)
Processing Fee: Up to 2% – 5% of loan amount (+GST)
Tenure: 12 to 60 months
Foreclosure Charges: Applicable as per lender policy
Penal Charges: Applicable on overdue EMIs

Documents Required

Identity Proof (PAN Card mandatory)
Address Proof (Aadhaar / DL / Voter ID etc.)
Income Proof (Salary Slip / Form 16)
Bank Statements (last 3–6 months)
Employment details

FAQs

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You can get ₹15 lakh or more depending on eligibility.

Interest rates generally start from around 16% per annum and vary based on profile.

Loans are usually disbursed quickly after approval and verification.

No, it is an unsecured loan and does not require any security.

Primarily salaried individuals with stable income can apply.

Terms & Conditions

Loan approval is subject to internal credit policies of InCred Finance
Interest rates and loan terms vary based on applicant profile
Processing fees are non-refundable
Late payments may attract penalties and impact credit score
Final approval is at the discretion of the lender

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Why Choose InCred Finance?
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