विनियमित एनबीएफसी (Regulated NBFC)सभी पात्र नागरिकस्वीकृति गति: Within 24 hours.सत्यापित: 2026-09-28 (180-दिवसीय SLA)

होम क्रेडिट इंस्टेंट पर्सनल लोन

Home Credit personal loan up to ₹5 Lakhs accessible for first-time and new-to-credit borrowers.

ऋण राशि सीमा₹10,000 to ₹5,00,000 (New-to-Credit friendly)

ब्याज दर (APR)15.00% - 36.00% p.a. (risk-grade fixed)

पुनर्भुगतान अवधि6 to 48 months

प्रोसेसिंग शुल्कUp to 3.50% to 5.00% of loan amount + GST

💳उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)

उत्पाद का संक्षिप्त विवरण

Unsecured personal loan from Home Credit India designed for first-time borrowers and emerging consumers, providing accessible credit with minimal documentation even for individuals with limited credit history.

प्रमुख लाभ एवं विशेषताएं

• New-to-credit friendly: Accessible to first-time loan applicants with thin credit files • Disbursal within 24 hours directly to bank account • Simple 2-document onboarding (PAN and address proof) • Flexible tenures from 6 to 48 months.

📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)

पात्रता की शर्तें एवं आय आवश्यकताएं

Salaried or self-employed individuals with verifiable regular income. Min Age: 19, Max Age: 65. Min Net Monthly Income: ₹10,000. CIBIL score: 600+ or New-to-Credit.

प्रीपेमेंट एवं फोरक्लोजर नियम (Prepayment & Foreclosure)

Prepayment allowed after 6 months with 4% to 5% fee + GST.

📂आवश्यक दस्तावेज (Required Documents)

• Identity Proof: PAN Card • Address Proof: Aadhaar Card, Voter ID • Bank Proof: Last 3 months bank statement.

⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Hidden Costs)

• High interest rates starting from 15% and reaching up to 36% p.a. • High processing fees up to 5% + GST deducted upfront from disbursement. • Foreclosure penalty of 4% to 5% + GST applies.

🚀आवेदन के चरण (How to Apply)

1. मौजूदा बैंक ग्राहक:

1. Existing Home Credit durable loan customers apply via Home Credit App with 1-click pre-approved offer.

2. नए ग्राहक (ऑनलाइन):

1. Visit homecredit.co.in or download Home Credit App. Submit mobile number, PAN, and bank details.

3. बैंक शाखा में जाकर:

1. Visit any Home Credit retail partner counter or branch with PAN and bank statement.

आधिकारिक बैंक पोर्टल पर जाएं आधिकारिक KFS दस्तावेज देखें↗

❓अक्सर पूछे जाने वाले प्रश्न (FAQs)

Can first-time borrowers without CIBIL score apply?

Yes, Home Credit specializes in evaluating new-to-credit applicants using proprietary demographic scoring.

What is the minimum age to apply?

Applicants as young as 19 years old with verified income can apply.

What is the maximum loan limit?

Up to ₹5 Lakhs depending on your income profile.