Growarth Capita
Personal Loan

Funds for Life's Important Moments

Whether it's a wedding, medical emergency, dream vacation, or consolidating existing debt — our personal loans offer quick, collateral-free funding with flexible repayment terms.

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Why Choose Our Personal Loan?

Built around your needs — fast, transparent, and completely digital from application to disbursal.

High Loan Amount

Borrow from ₹50,000 up to ₹25 Lakhs with zero collateral required.

24-Hour Disbursal

Fully paperless process. Funds credited to your account within a day of approval.

Minimal Paperwork

Basic KYC, last 3 months' salary slips, and bank statements are all you need.

No Collateral

Completely unsecured. No guarantor, no security deposit, no asset mortgage.

Loan Details

Loan Amount₹50,000 – ₹25,00,000
Interest RateStarting from 10.5% p.a.
Repayment Tenure12 – 60 months
Processing FeeUp to 2% of loan amount
Prepayment ChargesNil after 6 months

Eligibility Criteria

  • Indian resident aged 21–60 years
  • Salaried or self-employed with stable income
  • Minimum monthly income of ₹20,000
  • Minimum CIBIL score of 650
  • Employment tenure of 1+ year with current employer

Documents Required

We keep the paperwork minimal. Here's everything you need to get started.

Aadhaar Card / PAN Card (identity proof)
Address proof (utility bill / passport / driving licence)
Last 3 months' bank statements
Salary slips of last 3 months
ITR for self-employed applicants

Frequently Asked Questions

Quick answers to common queries about our personal loan product.

Can I prepay my personal loan?

Yes, you can prepay the loan after 6 months with zero prepayment charges.

How long does approval take?

Our AI-based system approves eligible applicants within 2–4 hours of document submission.

Is collateral required?

No. Our personal loan is completely unsecured — no collateral or guarantor needed.

Can I apply with a low credit score?

We consider applications with scores as low as 650, though the rate may vary based on your profile.

Ready to Apply for a Personal Loan?

Submit your application and get a response from our team within 2 hours.

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