When it can make sense
Planned expenses such as medical needs, education or home renovation, where you are confident about repaying from regular income.
What affects eligibility and cost
Income, employer or business profile, credit history and existing EMIs are commonly considered. Rates are usually higher than secured loans and vary widely between lenders.
Compare the full cost
Look beyond the EMI: processing fees, prepayment and foreclosure charges, and late-payment charges all matter.
Documents lenders commonly ask for
Typically identity and address proof, income proof (salary slips or income-tax returns and bank statements), and property or business documents where relevant. Exact requirements differ by lender.
Borrow carefully
Keep total EMIs at a level you can sustain. Missed payments can hurt your credit score.
Documents checklist
Tap your category. Exact requirements vary by lender, and we confirm the final list for your case.
Salaried
- 1 selfie photo
- Payslips: last 3 months
- Bank statement: latest 6 months till date
- PAN card
- Aadhaar card (clear copy)
- Present address proof
- Company ID card
- Form 16 (if available)
Details to keep ready
- Full name
- Father’s name and mother’s name
- Contact number
- Personal email ID and official email ID
- Office address, landmark and landline number
- Present address and landmark
- Total work experience and present experience
- Number of dependents and qualifications
- Current company and designation
- How long you have lived in Bangalore and at the present address
- Current residence: owned or rented
- PAN number and date of birth
- Net salary and gross salary
- Two references (name, phone number and address)
- We do not promise approval, rate or loan amount
- Never share OTPs, card PINs or net-banking passwords with anyone, including us
- Compare more than one offer where possible
Business Links facilitates loan-related enquiries and assistance. It is not a bank or NBFC unless separately authorized. Loan eligibility, approval, interest rates and disbursement are determined by the respective lending institution.
EMI Calculator
Results are indicative and use the standard reducing-balance method. The starting values are only an illustration, not an offer. Actual lender terms, fees and rates may differ.