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About SIMFINN Personal Loan

A personal loan from SIMFINN is a flexible financial solution designed to help individuals meet their urgent and planned expenses with ease. Whether you need funds for medical emergencies, home renovation, travel, wedding expenses, or debt consolidation, our personal loan offers quick disbursal, competitive interest rates, and minimal documentation. With a hassle-free online application process and flexible repayment options, we make borrowing simple and convenient for all.

At SIMFINN, we believe in empowering individuals with financial freedom by offering unsecured personal loans that do not require collateral. Our loan approval process is fast and transparent, ensuring that you get access to funds when you need them the most. Whether you are a salaried employee or a self-employed professional, our personal loan solutions cater to a wide range of financial needs, helping you achieve your goals without financial stress.

Features & Benefits of Personal Loan

Quick Loan Disbursal

Get funds in your bank account within 24 to 48 hours after approval, ensuring financial support when you need it the most.

No Collateral Required

Our personal loans are 100% unsecured, meaning you don’t have to pledge any assets or security to avail of the loan.

Flexible Loan Amount

Borrow amounts ranging from ₹50,000 to ₹25 Lakhs, depending on your eligibility and financial requirements.

Affordable Interest Rates

Enjoy competitive interest rates that make repayment easier and reduce the overall cost of borrowing.

Easy Repayment Options

Choose from flexible tenure options of 12 to 60 months, allowing you to repay comfortably as per your budget.

Minimal Documentation & Hassle-Free Process

With a simple online application and minimal paperwork, you can get a fast and seamless loan approval experience.

Personal Loan Eligibility Criteria

Age Criteria

The applicant must be between 21 and 60 years old at the time of loan application to ensure repayment capability within the working age.

Employment Type

Both salaried individuals (working in private or government sectors) and self-employed professionals (business owners, freelancers) are eligible to apply.

Minimum Income Requirement

A stable monthly income of at least ₹20,000 (for salaried individuals) or a consistent annual income (for self-employed) is required to ensure repayment ability.

Work Experience / Business Stability

Salaried applicants should have at least 1 year of work experience, while self-employed individuals must have a minimum of 2 years of business continuity.

Credit Score

A CIBIL score of 650 or above is preferred for better chances of approval and lower interest rates. A good credit history ensures financial credibility.

Resident Status

The applicant must be an Indian citizen with a stable residence and a valid address proof to be eligible for a SIMFINN personal loan.

Loan EMI: 0 INR

Total Interest: 0 INR

Total Payment: 0 INR

Our Clients

Our home loan clients trust us to provide tailored financial solutions that make homeownership more accessible and affordable. With competitive interest rates, flexible repayment options, and a seamless application process, we help individuals and families achieve their dream of owning a home. Our commitment to customer satisfaction ensures personalized service and expert guidance at every step.

98%

Satisfied Customers

84%

Home Loans Disbursed

88%

Loan Approval Rate

Documents Required For Personal Loan

  • Aadhaar Card
  • PAN Card
  • Voter ID
  • Passport
  • Driving License
  • Aadhaar Card
  • Utility Bill (Electricity/Water/Gas – Recent 3 Months)
  • Rental Agreement
  • Passport

For Salaried Individuals:

  • Last 3 months’ salary slips
  • Latest Form 16 or Income Tax Return (ITR)
  • Last 6 months’ bank statements showing

 

Salary credits
For Self-Employed Individuals:

  • Last 2–3 years’ ITR
  • Profit & Loss Statement and Balance Sheet (audited if applicable)
  • Last 6–12 months’ bank statements

For Salaried:

  • Offer letter, employee ID card, or work experience certificate


For Self-Employed:

  • Business registration certificate, GST certificate, or trade license
Duly filled and signed SIMFINN personal loan application form

Take Next Step & Manage Your Immediate Financial Needs Now. Turn Your Dream into Reality with SIMFINN!
Affordable Personal Loans with Easy Approvals & Flexible EMIs

Apply Now

FAQs About Personal Loan

You can avail a personal loan ranging from ₹50,000 to ₹25 Lakhs, depending on your income, credit score, and repayment capacity.

Once your application and documents are verified, the loan is typically approved and disbursed within 24 to 48 hours.

No, our personal loans are 100% unsecured, meaning you do not have to pledge any assets or collateral.

A minimum CIBIL score of 650 is preferred for loan approval. A lower score may affect approval chances or result in higher interest rates.

Yes, you can prepay or foreclose your loan, but prepayment charges may apply as per the loan terms. Check with SIMFINN for exact details.

You can choose a flexible repayment tenure between 12 months to 60 months based on your financial convenience.