Personal Loans

Quick funds for life's every milestone

Unsecured personal loans up to ₹25 Lakhs with approval in 24–48 hours. No collateral, no hassle — just transparent financing tailored to your needs.

Apply Now Calculate EMI
₹25L
Max loan amount
24hr
Fastest approval
10%
Interest from p.a.
60mo
Max repayment tenure
Competitive Interest Rate
Starting 10% p.a.
Fast Turnaround
Within 48 hours
Flexible Loan Tenure
12 to 60 months
Personal Loans Explained

The smart way to fund your life

A Personal Loan is an unsecured borrowing solution designed to meet immediate or planned expenses without pledging any collateral. Whether it's a medical emergency, dream vacation, wedding, or home renovation — Pragati gets you funded fast.

We connect you with 50+ banks and NBFCs to compare rates, negotiate terms, and ensure you walk away with the best deal available — not just the first offer you find.

Medical Emergencies
Wedding Expenses
Travel & Vacations
Home Renovation
Education Fees
Consumer Durables
Festival Expenses
Debt Consolidation
Personal Loan
20K+
Happy loan customers
Why Choose Pragati

Key features of our personal loans

🚫
No Collateral Required

100% unsecured — no property, no guarantor, no asset pledge needed to get approved.

⚡
24–48 Hour Approval

Quick processing for verified applicants. Money in your account within days, not weeks.

📅
Flexible Tenure

Choose repayment from 12 to 60 months — structured around your monthly cash flow.

🏦
50+ Lender Network

We compare across banks and NBFCs to get you the lowest rate and best terms available.

📋
Minimal Documentation

Simple paperwork. We guide you through every document needed for a smooth approval.

💰
Up to ₹25 Lakhs

Borrow from ₹10,000 to ₹25 Lakhs based on income, credit score and repayment capacity.

🛡️
Zero Hidden Charges

Complete fee transparency before you sign. No surprises at disbursement — ever.

🤝
Dedicated Manager

One point of contact from application to disbursal — and available even after.

Eligibility & Documents

Are you eligible?

🎯 Eligibility Criteria
21–60
Age (years)
650+
CIBIL Score
₹20K
Min. Income/mo
  • Indian citizen aged 21 to 60 years
  • Salaried employee, self-employed professional, or business owner
  • Minimum monthly income of ₹20,000
  • Minimum CIBIL score of 650 or above
  • At least 2 years of employment or business history
  • Active bank account with regular salary/income credits
📄 Documents Required
  • PAN Card + Aadhaar Card (KYC)
  • Last 3–6 months salary slips or income proof
  • Bank statements for the last 6 months
  • ITR for last 2 years (self-employed)
  • Address proof (utility bill, rent agreement, or passport)
  • Passport size photograph
  • Employment letter or business registration certificate
Pricing & Charges

Interest rates & charges

Know all applicable rates and charges before you apply. We believe in complete pricing transparency — no surprises, no hidden fees.

Interest Rate 10% p.a. onwards
Loan Amount ₹10,000 – ₹25 Lakhs
Loan Processing Fee Up to 3% of loan amount
Loan Tenure 12 – 60 months
Prepayment Charges Nil to 2% (lender-specific)
Late Payment Fee As per lender norms
Personal Loan Rates
EMI Calculator

Plan your repayments easily

Loan Amount ₹5,00,000
₹10,000₹25 Lakhs
Interest Rate (p.a.) 12%
8%24%
Tenure (months) 24 months
12 mo60 mo

* EMI is indicative only. Actual EMI may vary based on lender, processing fee, and credit profile. Contact our team for an accurate quote.

Monthly EMI
₹23,537
per month for 24 months
Total
₹5.65L
Principal Amount ₹5,00,000
Total Interest ₹64,888
Total Payment ₹5,64,888
Apply Now for This Loan
FAQ

Frequently asked questions

A personal loan is an unsecured loan — meaning no collateral is required — that you can use for any personal expense. Pragati helps you compare and apply across 50+ lenders to get the best rate and fastest approval.
For verified applicants with complete documentation, approval can happen within 24–48 hours. Full disbursement typically takes 3–5 business days depending on the lender.
A CIBIL score of 650 or above is generally required. A higher score (750+) improves your chances of getting a lower interest rate. We can also advise you on improving your score before applying.
Yes, most lenders allow early repayment after a lock-in period of 6–12 months. Prepayment charges typically range from 0% to 2% depending on the lender's policy.
No. Pragati manages the entire process — documentation collection, lender coordination, application submission, and follow-up — so you don't need to visit any bank branch in most cases.
Our initial consultation is completely free. We receive a referral fee from lenders upon successful disbursement — this does not affect your loan cost or terms in any way.
Personal Loan FAQ

Ready to unlock your financial goals?

Take the first step — apply now or speak to our loan specialist for free guidance.

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