Personal Loan for Salaried Employees

Get a Personal Loan
Up To ₹1 Lakh

100% digital process. Quick decision, subject to eligibility. All charges disclosed upfront — no surprises, ever.

Apply for Quick Personal Loan

Complete 4 quick steps — we'll assess your eligibility

1
Mobile No.
2
OTP Verify
3
Personal Info
4
Loan Details
5
Review & Submit

Enter Your Mobile Number

We'll use this to keep you updated on your application

Please enter a valid 10-digit mobile number.
Please select the checkbox to proceed.

OTP Verification

Enter the 4-digit OTP sent to your mobile number

Sent to: +91 XXXXXXXXXX
Resend OTP in 60s

Your Personal Details

Please enter a valid email address
Minimum ₹40,000 required
Enter valid 12-digit Aadhar
Enter valid PAN (ABCDE1234F)
Please select date of birth
Please select gender
Please select a state
Please select a city
Enter valid 6-digit pincode
Please select employment type
Self-employed users are not eligible

Loan Amount & Purpose

Please enter a valid loan amount
Please select a purpose

Review Your Details

Application Submitted!

Thank you! Our team will review your application and contact you shortly.

TCE-XXXXXX

Rates & Charges

Minimum Loan Amount

₹10,000

Minimum Loan Amount

Maximum Loan Amount

₹1,00,000

Maximum Loan Amount

Repayment Tenure

3 to 12 Months

Repayment Tenure

Processing Fee

Up to 10%

Processing Fee

Prepayment Charges

NIL

Prepayment Charges

APR

15% to 34%

APR Annual Percentage Rate

Cheque Bounce Charges

₹1000

Cheque Bounce Charges

Transparent Charges

100%

Transparent Charges

Representative Example

₹1,00,000

Loan Amount

📅

12

Tenure (Months)

%

27% per annum

Interest Rate

📄

10% + GST (₹10,000)

Processing Fee

📊

34% per annum

APR, Effective

💸

₹90,000 (after fee deduction)

Amount Disbursed

₹9,135

Monthly EMI

🧾

₹15,620

Total Interest

🛡

₹1,15,620

Total Repayment Amount

DISCLAIMER: The above representative example is for illustrative purposes only. Actual loan amount, interest rate, APR, processing fee, and EMI will vary based on your credit profile and eligibility. All loans are subject to approval.

Eligibility Criteria

Personal Loan Eligibility

Quick checks before you apply — see if you qualify in seconds.

📅

21 – 60

Age (in years)

💼

Salaried

Employment Type

650

CIBIL Score Required

💳

₹40,000+

Monthly Salary (min.)

📄

Documents Required: Aadhaar Card, PAN Card, last 3 months' salary slips, last 6 months' bank statements, passport-size photograph. All documents can be uploaded digitally.

🛡 100% Secure Quick Process Minimal Documentation
SIMPLE PROCESS

Get Your Loan in 4 Easy Steps

From application to disbursal — our entire process is 100% digital and takes less than 24 hours.

01

Fill the Form

Complete the simple online application with your personal and financial details in under 5 minutes.

02

Instant Eligibility Check

Our system instantly verifies your details and checks your eligibility based on salary and credit score.

03

Loan Approval

Get your loan approved within hours. Our team reviews your application and confirms the loan amount.

04

Money in Your Account

Approved loan amount is credited directly to your bank account within 24 hours of approval.

INTEREST INFORMATION

APR & Rate Details

We follow RBI guidelines for complete fee transparency. Here's how our rates are calculated and applied.

UNDERSTANDING APR

How to Calculate the APR

APR (Annual Percentage Rate) includes the rate of interest, principal amount, processing fees, and the loan tenure. It gives you the true cost of the loan annually. Our APR ranges from 15% to 34% depending on your credit score and income.

15% - 34% Annual Percentage Rate applicable
OUR PRICING POLICY

Rate of Interest & Fees

We offer competitive interest rates starting at 15% per annum (approx. 1.25% per month). The final rate depends on your CIBIL score, monthly income, and existing liabilities. All rates and fees are fixed and disclosed before loan acceptance — no surprises, no hidden costs.

15% - 27% Interest rate per annum (excl. fees; 15%-34% APR incl. fees)
WHY CHOOSE US

What Makes Right Rupee Different

Fast, transparent, and completely online — built for salaried professionals who need funds without the hassle.

01

Approved & Disbursed in 24 Hours

Urgent financial need? Our automated system approves eligible applications within hours and credits the amount directly to your bank account — no waiting, no delays.

✓ Same-day disbursal possible
02
🛡

RBI Registered & Fully Secure

Right Rupee operates as a registered NBFC under the Reserve Bank of India. Your data is encrypted with bank-grade SSL. We never share your information with unauthorised third parties.

✓ RBI compliant NBFC
03
📄

Minimal Documents, 100% Online

No physical branch visits. No piles of paperwork. Just your PAN, Aadhaar, salary slips and bank statements — submitted digitally from your phone or laptop in minutes.

✓ Zero paperwork
REQUIREMENTS

Eligibility & Documents

Simple criteria. Minimal documents. Fully online verification.

Eligibility Criteria

You must meet all of the following to apply

  • Minimum age of 21 years
  • Salaried employee with salary credited to bank account
  • Minimum monthly salary of ₹40,000
  • Indian resident with valid address proof
  • CIBIL score of 650 or above

Documents Required

Keep these ready — all submitted digitally

  • PAN Card (mandatory)
  • Aadhaar Card (for identity & address verification)
  • Last 3 months' salary slips
  • Bank statements (last 6 months — salary account)
  • Residence proof: Passport / Voter ID / Utility Bill