Unexpected expenses
Sudden medical or family needs where quick, unsecured credit may suit.
PERSONAL LOANS
Personal finance that starts with what you need.
Pick the amount and EMI you are comfortable with first. Then we help you find lenders whose criteria fit your profile.
- UnsecuredNo collateral typically required
- Monthly EMITenure varies by lender
- Profile-led pricingDepends on lender and eligibility
- Flexible useSubject to lender policy
EMI PLANNER
Start with an EMI you're comfortable with.
Monthly EMI₹0
- Principal ₹0
- Interest ₹0
- Total payable ₹0
Illustration only. The rate is your assumption, not an offer. Actual rate, fees and terms are set by the lender based on your profile.
WHAT IT'S FOR
Borrowing should start with purpose.
Personal loans can support planned or unexpected expenses. The right structure depends on income stability, existing obligations, credit profile and the lender's underwriting approach.
Home improvements
Repairs, interiors or upgrades without tying the loan to the property.
Learning & upskilling
Eligible course, certification or education-related costs.
Debt consolidation
Combine eligible obligations into a single repayment structure, if it truly reduces cost.
Weddings & events
Plan large one-time expenses with a repayment schedule you control.
Travel & life goals
Fund a trip or milestone, while keeping the EMI comfortably affordable.
YOUR PROFILE
What lenders look at depends on who you are.
What lenders review
Employment stability
Tenure with your employer and the type of employer can influence lender fit.
Income & obligations
Monthly take-home against existing EMIs sets your repayment capacity.
Credit behaviour
Credit history and repayment track record shape terms and approval.
Keep these ready
- PAN and Aadhaar or other accepted KYC
- Recent salary slips
- Bank statements showing salary credits
- Current address proof, where required
What lenders review
Business vintage
How long the business or practice has operated indicates stability.
Income & profitability
ITR and financials show consistent earnings and repayment capacity.
Credit behaviour
Personal and business credit conduct both matter.
Keep these ready
- PAN and Aadhaar or other accepted KYC
- ITR and financial statements
- Business proof or registration, as applicable
- Bank statements showing business inflows
BORROW SMARTLY
Borrow for the requirement, not the maximum available.
A lower sanctioned amount can be the better fit if it keeps repayments comfortable.
Do this
- Estimate a comfortable EMI first
- Compare total cost, not only the headline rate
- Keep existing monthly obligations in view
- Choose a tenure you can actually sustain
Watch for
- Processing and other upfront fees
- Prepayment and foreclosure charges
- Late-payment penalties
- Add-ons or insurance you did not ask for
ASK AWAY
Questions people ask first.
Do I need collateral for a personal loan?
Personal loans are typically unsecured, so collateral is not usually required. Some lenders may ask for additional support depending on your profile.
How is my EMI decided?
It follows from the amount, tenure and interest rate. The rate depends on the lender and your profile, which is why comparing total cost matters more than headline rates.
What affects my eligibility?
Income and its stability, existing obligations, credit history and banking behaviour. The exact criteria differ from lender to lender.
Can I prepay or foreclose early?
Often yes, but charges and conditions vary by lender. Ask about prepayment and foreclosure terms before you accept.
Will enquiring affect my credit score?
Sharing your requirement with us does not, by itself, run a credit check. Lenders may check your bureau record when you move to a formal application.
Is Shubhbank the lender?
No. Shubhbank helps you plan and connect with suitable lenders. Approval, rate and final terms are decided by the lender.
Ready to see what fits your profile?
Share your requirement and we'll help you compare suitable lender options.
Start my personal loan enquiry