Unsecured Borrowing

Nirvah Personal Loans

Fund medical emergencies, weddings, home improvements, or travel expenses with paperless processing, competitive rates, and customized repayment schedules.

Apply for Personal Loan Estimate EMI
✓ 100% digital process ✓ No collateral required ✓ Fast account credit
Designed around you

Simple borrowing. Smarter freedom.

Everything you need to plan, apply and manage your personal loan with complete clarity.

Loan Amount
Up to ₹ 25 Lakhs

Flexible borrowing limit

Interest Rate
From 10.5% p.a.

Based on credit profile

Tenure Range
6 to 60 Months

Convenient monthly EMIs

Approval Time
Within 24 Hours

Direct account credit

Eligibility Criteria

Clear Qualifications
  • Citizenship Resident Indian
  • Age Bracket 21 to 58 Years
  • Employment Type Salaried / Self-Employed Professional
  • Minimum Net Monthly Income ₹ 25,000 / month
  • Minimum CIBIL Score 650 or higher

Required Documents

100% Digital Upload
  • Identity Proof:
    Valid PAN Card (Mandatory for credit verification)
  • Address Proof:
    Aadhaar Card, Passport, or Voter ID
  • Income Proof:
    Last 3 months salary slips or Form 16 / ITR
  • Bank Statements:
    Latest 6 months operative salary bank account statement (e-PDF)

Fees & Charges Schedule

Fee Head Applicable Charges Remarks
Interest Rate 10.5% - 18.0% p.a. Fixed or floating based on loan agreement
Processing Fee 1.5% to 2.5% of sanctioned loan amount Deducted from disbursed amount (one-time)
Pre-payment / Foreclosure 0% after 6 completed EMI payments Part-prepayment allowed without charges
Late Payment Penalty 2.0% per month on overdue EMI Applicable only on default beyond grace period

Ready to get your personal loan approved?

Check your instant pre-approved limit in under 3 minutes without impacting your credit score.

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