विनियमित एनबीएफसी (Regulated NBFC)वेतनभोगी कर्मचारी (Salaried)स्वीकृति गति: Within 24 hours.सत्यापित: 2026-09-28 (180-दिवसीय SLA)

इनक्रेड पर्सनल लोन

InCred digital personal loan for salaried professionals up to ₹15 Lakhs.

ऋण राशि सीमा₹50,000 to ₹15,00,000

ब्याज दर (APR)11.49% - 24.00% p.a. (risk-grade fixed)

पुनर्भुगतान अवधि12 to 60 months

प्रोसेसिंग शुल्कUp to 2.50% of loan amount + GST

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

उत्पाद का संक्षिप्त विवरण

InCred Financial Services' tech-driven personal loan offering customized credit solutions for salaried professionals working in private corporations and startups.

प्रमुख लाभ एवं विशेषताएं

• High loan quantum up to ₹15 Lakhs without pledging assets • 100% digital paperless onboarding via InCred mobile app • Fast sanction and disbursement within 24 hours • Flexible repayment terms from 12 to 60 months.

📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)

पात्रता की शर्तें एवं आय आवश्यकताएं

Salaried corporate employees with minimum 1 year total work experience. Min Age: 21, Max Age: 58. Min Net Monthly Salary: ₹20,000. Min CIBIL: 700.

प्रीपेमेंट एवं फोरक्लोजर नियम (Prepayment & Foreclosure)

Prepayment allowed after 6 months; 3% to 4% foreclosure charges apply.

📂आवश्यक दस्तावेज (Required Documents)

• Identity Proof: PAN Card and Aadhaar Card • Employment Proof: Employee ID card, appointment letter • Financial Proof: Last 3 months payslips, latest Form 16 • Bank Statement: Last 6 months bank statement showing salary credits.

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

• Foreclosure lock-in of 6 full months. • Foreclosure penalty of 3% to 4% + GST applies. • Minimum net monthly income requirement of ₹20,000.

🚀आवेदन के चरण (How to Apply)

1. मौजूदा बैंक ग्राहक:

1. Open InCred App > Personal Loan banner. Select amount and e-sign via OTP.

2. नए ग्राहक (ऑनलाइन):

1. Visit incred.com > Personal Loans. Submit mobile number, PAN, and link bank statement via Account Aggregator.

3. बैंक शाखा में जाकर:

1. Visit nearest InCred branch with payslips and bank statements.

आधिकारिक बैंक पोर्टल पर जाएं आधिकारिक KFS दस्तावेज देखें↗

❓अक्सर पूछे जाने वाले प्रश्न (FAQs)

What is the maximum loan limit in InCred?

Up to ₹15 Lakhs depending on your net monthly salary and credit score.

What is the foreclosure charge?

3% to 4% plus GST on the principal outstanding after the initial 6-month lock-in period.

What is the minimum credit score required?

A minimum CIBIL score of 700 is recommended.