Unsecured Personal Loans tailored for Your Life Goals
Personal loans provide quick, un-collateralized funding for medical expenses, education, weddings, travel, or debt consolidation. Dwarikadhish assists you in comparing pre-screened partner bank offers for optimal interest rates and terms.
Key Benefits of Personal Loan
No Asset Security Required
No need to pledge property, gold, or financial securities as collateral.
Flexible Tenure Options
Select loan repayment tenures ranging from 12 months up to 72 months.
Transparent Processing
Clear breakdown of interest rates %, partner bank processing fees, and GST.
Multi-Bank Options
Single application compares pre-eligibility across multiple partner Banks & NBFCs.
Suitable Applicant Profiles
- Salaried professionals with minimum net monthly income of ₹18,000+
- Self-employed individuals / professionals with minimum 2 years vintage
- Borrowers seeking quick liquidity without pledging asset collateral
- Applicants with CIBIL score of 650+ seeking competitive rate structures
Eligibility Evaluation Criteria
| Eligibility Parameter | Standard Lender Requirement |
|---|---|
| Age Limit | 21 years to 60 years at loan maturity |
| Minimum Net Income | ₹18,000/month (Salaried) | ₹2.5 Lakhs/year ITR (Self-Employed) |
| CIBIL Credit Score | 650+ preferred for competitive partner bank interest rates |
| Work Experience | Min 1 year total work exp (min 6 months in current organization) |
* Note: Specific parameters may vary based on chosen partner Bank or NBFC internal policies.
Required Documentation Checklist
KYC Proofs
- Aadhaar Card
- PAN Card
- Passport / Voter ID
Income Proofs (Salaried)
- Last 3 months Salary Slips
- Last 6 months Bank Statement
- Form 16 / ITR
Income Proofs (Self-Employed)
- Last 2 years ITR with Computation
- 6-12 months Current Bank Statement
- Business Registration Proof
Residence Proof
- Utility Bill / Rent Agreement / Electricity Bill
Frequently Asked Questions (Personal Loan)
Is collateral required for a Personal Loan?
No. Personal loans are collateral-free unsecured loans based on your income profile and credit evaluation.
Does Dwarikadhish guarantee Personal Loan sanction?
No. Final sanctioning and interest rates are determined solely by the underwriting division of partner Banks/NBFCs.
Are there any upfront charges payable to Dwarikadhish?
No. Our consultancy services are 100% free for applicants. We never collect upfront processing fees.
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