Personal Loan Overdraft
Instant, unsecured funding starting at 9.99% p.a. for your every need.
About Personal Loan Overdraft
A personal overdraft loan is a flexible credit line that lets you withdraw money up to a pre-approved limit, with interest charged only on the exact amount and days you use
We are partnered with India's leading Banks and NBFCs to offer you a personal loan of up to ₹1 Crore with interest rates starting from just 9.99% p.a., matched to your net salary and credit profile.
With minimal documentation, a fully digital process and disbursal in as fast as 24 to 72 hours, getting the funds you need has never been simpler or faster.
Medical Emergency
Instant funds for unplanned hospitalisation, treatment or surgery, with quick disbursal to your account.
Wedding Expenses
Fund your dream wedding — venue, catering, jewellery or travel — without dipping into savings.
Travel & Holidays
Plan that domestic or international trip and repay comfortably over a flexible EMI tenure.
Child's Education
Cover tuition, hostel or exam fees for your child's higher education, in India or abroad.
Home Renovation
Renovate, repair or furnish your home without disturbing your existing home loan.
Debt Consolidation
Combine multiple high-interest debts/credit cards dues into one simple, lower-interest EMI.
Features & Benefits
Everything that makes a PaisaEHub.com Personal Loan a smart choice.
Fast Approval
Get in-principle approval within hours and disbursal in as fast as 24 to 72 hours after verification of complete documents and cibil check.
Flexible Amount
Borrow anywhere from ₹1,00,000 up to ₹1 Crore based on your net salary and credit profile.
Attractive Rates
Interest rates starting at 9.99% p.a., among the most competitive in the market.
Flexible Tenure
Choose a repayment tenure from 12 to 96 months to suit your monthly budget.
Minimal Documents
Simple paperless process — PAN, Aadhaar, photo, salary slips and salary account banking is usually all you need.
No Collateral
100% unsecured loan — no property, gold or asset needs to be pledged.
Eligibility & Documents
Check if you qualify and what paperwork you'll need to keep ready.
Eligibility Criteria
| Age | 21 to 60 years at loan maturity or till retirement age |
| Employment | Salaried person getting salary credited in bank account (Cash salary cases not doable) |
| Minimum Income | Minimum ₹30,000/- per month net salary credit in bank account |
| Credit Score | 675 and above CIBIL score required by few NBFCs but most Banks need minimum 700 cibil score |
| Work Experience | Minimum 1 year in current job or 2 years total work experience |
| Residency | Indian resident with a permanent or current address proof |
Documents Required
- ✓PAN Card & Aadhaar Card
- ✓Latest 3 months' salary slips
- ✓Latest 6 months' bank statement with salary credit
- ✓1 Passport size coloured photograph
- ✓Latest Form 16 or Form 26AS
- ✓Office ID card or official mail id
Interest Rate & Charges
Transparent pricing — no hidden costs or login charges
| Interest Rate | 9.99% p.a. onwards |
| Loan Amount | ₹1 Lac – ₹1 Cr. |
| Tenure | 12 – 96 months |
| Processing Fee | Rs. 3,000/- to 2% of loan amount (as per lender policy) |
| Pre-payment Charges | Nil after 12 EMIs in big ticket cases (as per lender policy) |
| Late Payment Charges | 2% per month on overdue EMI |
*Final interest rate and charges depend on the partner bank/NBFC, applicant profile and credit score.
EMI Calculator
Estimate your monthly EMI instantly — calculated on the server with PHP.
Enter your loan details
Your EMI breakup will appear here.
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Apply NowFrequently Asked Questions
Answers to the most common questions about Personal Loan.