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Personal Loan

Unsecured personal loans up to ₹40 L — Bajaj, HDFC, ICICI, Kotak compared in one place.

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Run the numbers — no phone needed

Why Personal Loan via Praarabdh

Pre-approval check, no CIBIL ding

Soft-pull eligibility check before formal application — so a 'no' from one lender doesn't bruise your score.

Honest fee disclosure

Processing fee, GST, prepayment terms — laid out before you say yes. None of the 'fine print' surprises.

Real human, real call

A SEBI/IRDAI-aligned advisor on WhatsApp / call. Not a bot. Not 12 different relationship managers.

Top 3 partner options — Personal Loan

Bajaj Finserv

10.49% p.a.
2.99% processing fee
Salaried + self-employed

HDFC Bank

10.75% p.a.
2.50% processing fee
Existing customer offers

Kotak Mahindra

10.99% p.a.
2.50% processing fee
Doorstep document pickup

Indicative figures. Actual offer depends on your profile. Praarabdh is a Data Fiduciary under the DPDP Act, 2023.

Personal Loan — frequently asked

What's the maximum loan I can get?

Up to ₹40 L unsecured for salaried profiles. Self-employed can go higher with income proof.

How fast is disbursal?

Pre-approved customers see same-day disbursal. Fresh applications typically 24-48 hours after documentation.

Can I prepay or foreclose?

Most partners allow foreclosure after 12 EMIs with 2-4% foreclosure charge. We surface this before you sign.

Will checking eligibility hurt my CIBIL?

No — we use soft-pull eligibility checks until you formally apply. Your CIBIL is unaffected during comparison.

Ready to apply for Personal Loan?

One short form. We compare the panel for your profile. A real Praarabdh advisor calls within 48 hours.

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