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Key Features & Benefits

A completely digital-friendly process that saves you from endless paperwork.

Eligibility Criteria

To ensure a high approval rate for your personal loan application, please check the following criteria

Criteria

For Salaried Individuals

For Self-Employed

Age

21 to 58 years

25 to 65 years

Employment

Min. 1 year in current job

Min. 3 years in current business

Monthly Income

₹20,000+ (varies by city)

Stable annual turnover/profit

Credit Score

700 or above preferred

700 or above preferred

Residency

Indian Citizen

Indian Citizen

Documents Required

We keep it simple. To process your instant personal loan, we generally require:

Aadhaar Card, PAN Card, Passport, or Voter ID.

Utility bills (Electricity/Water), Rental Agreement, or Passport.

Last 3 months' salary slips and 6 months' bank statements.

Last 2 years' ITR, P&L statement, and 6 months' bank statements.

Recent passport-sized color photographs.

Interest Rates & Charges

At Singhal Finco, we believe in "No Hidden Surprises." While interest rates vary based on your credit profile and income, here is what you can expect:

Competitive rates based on your CIBIL score and repayment capacity.

A nominal one-time fee deducted at the time of disbursal.

Options available for early repayment (subject to terms and conditions).

Last 2 years' ITR, P&L statement, and 6 months' bank statements.

Applicable only if EMIs are missed.

Step-by-Step Application Process

Getting your funds is as easy as 1-2-3:

Use our online portal to see your eligible loan amount in minutes.

Fill out the digital form and upload the necessary soft copies of your documents.

Our experts will quickly review your profile and conduct a digital or physical verification if needed.

Receive the loan offer, sign the agreement (E-sign), and get the money in your account!

Why Choose Singhal Finco?

Why do thousands of Indians trust us with their financial needs?

  • Expert Guidance: We aren’t just an automated portal; our financial experts guide you to the best product for your profile.

  • Transparency: Every clause, fee, and charge is explained upfront. No “fine print” shocks.

  • Customer-First Approach: We pride ourselves on a high approval rate and personalized service.

  • One-Stop Shop: Beyond loans, we handle your GST filing and taxation, making us a holistic partner for your financial health.

Frequently Asked Questions (FAQs)

The loan amount depends on your income, existing liabilities, and credit score. Typically, we offer loans ranging from ₹50,000 to ₹25,00,000.

While a score of 700+ is ideal, we evaluate every application on its own merit. If you have a stable income, we may still be able to assist you.

Yes! While it is a "personal" loan, you are free to use the funds for business expansion, stock purchase, or working capital.

At Singhal Finco, we aim for "Same Day Approval" for most digital applications with complete documentation.

Absolutely not. All processing fees and interest rates are clearly mentioned in your loan sanction letter.

Ready to Empower Your Finances?

Don’t let a lack of funds hold you back. Whether it’s an urgent medical bill or a long-awaited vacation, Singhal Finco is here to support you with an instant personal loan in India.

Apply Now for a Personal Loan & Get a Free Consultation with our Experts

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