Personal Liquidity

Premium Personal Capital Facilities.

Unsecured, high-velocity liquidity solutions designed for salaried individuals, specialized professionals, and corporate executives. Collateral-free for eligible products and borrower profiles.

Check Your Eligibility Calculate EMI
Up to ₹50L High limit approvals
12 - 72M Flexible tenures
Digital Paperless process
Portfolio Offerings

Bespoke Unsecured Funding.

We map your financial profile to the right lending institution to secure the most competitive interest rates and lowest processing fees.

Salaried Personal Loans

Fast, collateral-free capital tailored for employees in top-tier corporations. Experience paperless approvals and highly competitive interest rates structured around your income profile.

Up to ₹50L Executive

Professional Loans

Exclusive financial instruments underwritten for licensed professionals, including Medical Doctors, Chartered Accountants (CAs), and Architects, offering enhanced limits.

Custom Rates Specialized

Personal Overdraft

Establish a revolving credit line for ultimate agility. Access an approved credit limit when needed; interest is generally based on utilisation, subject to the facility terms.

Pay on Usage Flexibility
Why Finyra

We protect your credit score.

Applying blindly to multiple banks triggers "hard inquiries" that damage your CIBIL score. We assess your profile first so you can avoid unnecessary applications where possible.

Employer Mapping Some lenders may offer different terms based on employer category or existing relationships.
Debt Consolidation We help restructure expensive credit card debt into a single, low-interest personal loan.
End-to-end support From fetching your CIBIL to ensuring the funds hit your account seamlessly.
Approval factors

What lenders evaluate

01
Net Monthly Income Minimum income requirements vary by lender, location, employment profile and product.
02
Credit Score (CIBIL) A stronger credit profile can improve the range of products and pricing available to you.
03
FOIR (Obligation Ratio) Lenders may assess your fixed obligations against net income as part of repayment-capacity analysis.
04
Employment Stability Employment tenure and continuity can influence eligibility, with requirements varying by lender.
Final loan amount, interest rate, and terms are subject to the lender's credit evaluation matrix.
How it works

From application to account.

A frictionless journey engineered for speed.

01 · DISCOVER

Profile Analysis

We review your profile before you decide which lender to formally approach; formal applications can create credit enquiries.

02 · MATCH

Select Lender

We can present relevant lender options based on the information available and their applicable criteria.

03 · APPLY

Digital Journey

Upload basic KYC and income documents via secure, paperless banking portals.

04 · DISBURSAL

Capital Access

Once approved, funds are credited directly to your savings account, often within 24 hours.

Personal loan calculator

Structure your repayment.

Estimate your monthly EMI. A shorter tenure increases your EMI but significantly reduces the total interest paid.

₹5,00,000
₹1L₹50L
10.5%
10%24%
36 Months
12M72M
Check Exact Eligibility →
Estimated Monthly EMI ₹16,252
Total Interest ₹85,081
Total Payment ₹5,85,081
Documents

Digital and paperless.

Unsecured loans require minimal documentation, mostly verified digitally.

Identity Proof

PAN Card and Aadhar Card (preferably linked with active mobile number for e-KYC).

Income Proof

Latest 3 months salary slips for salaried, or latest 2 years ITR for professionals.

Bank Statements

Latest 6 months bank statement showing salary credits (usually fetched via secure NetBanking login).

Company ID

Corporate ID card or official work email verification for salaried applicants.

Frequently asked questions

Personal loans, answered clearly.

How fast can I get a personal loan disbursed?
If your KYC is updated and income documents are verified digitally, disbursals can happen within 24 to 48 hours of application submission for prime profiles.
Can I pre-pay or foreclose my personal loan?
Yes. Prepayment or foreclosure depends on the lender, product, loan stage and applicable charges or conditions. Check the sanction terms before planning an early closure.
What is a Personal Overdraft (OD)?
Unlike a traditional loan where you get a lump sum and pay EMI on the whole amount, an OD gives you a credit limit. You only pay interest on the amount you withdraw, and for the number of days you use it. It acts as an excellent emergency fund.
Will applying affect my CIBIL score?
A formal credit application can create a hard enquiry on your credit report. It is generally sensible to narrow down suitable options before submitting multiple applications.
Take the next step

Ready to unlock your personal liquidity?

Connect with our dedicated advisors to secure a capital facility that perfectly aligns with your income architecture.

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