Personal Liquidity

Premium Personal
Capital Facilities.

Unsecured, high-velocity liquidity solutions designed for salaried individuals, specialized professionals, and corporate executives. Zero collateral required.

Check Your Eligibility Calculate EMI

Up to ₹50L High limit approvals

12 - 72M Flexible tenures

Digital Paperless process

The Unsecured Advantage

No Collateral: Access funds based entirely on your credit and income profile.
Speed of Execution: Minimal documentation leads to approvals within 24-48 hours.
Zero End-Use Restriction: Use the capital for weddings, medical emergencies, travel, or debt consolidation.

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. Withdraw funds instantly as needed, and pay interest strictly on the utilized amount, providing a permanent liquidity safety net.

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 run a precise assessment to match you with the right bank on the *first* try.

Employer Mapping Banks offer special rates if your company is "CAT A" listed. We find the bank that rates your employer highest.

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

Net Monthly Income Minimum income requirements vary by city and bank, typically starting from ₹25,000/month.

Credit Score (CIBIL) A score of 720+ is preferred for unsecured loans to secure the lowest interest rates.

FOIR (Obligation Ratio) Your existing EMIs should generally not exceed 50-60% of your net monthly income.

Employment Stability Banks look for 1-2 years of total work experience, with at least 6 months in your current company.

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 assess your income, employer category, and credit score without impacting your CIBIL.

02 · MATCH

Select Lender

We present options from the banks most likely to offer you the highest limit at the lowest rate.

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.

Loan Amount ₹5,00,000

₹1L₹50L

Interest Rate 10.5%

10%24%

Tenure (Months) 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. Most banks allow foreclosure after a lock-in period of 6 to 12 months. Note that banks usually charge a foreclosure fee ranging from 2% to 5% on the principal outstanding. We help you choose banks with the lowest pre-payment penalties if you plan to clear the loan early.

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?

Every time you formally apply for credit, the bank does a "hard pull" on your CIBIL, which temporarily dips your score. This is why using an advisory service like Finyra is crucial—we assess your profile internally and only apply to the bank where your approval probability is highest, protecting your score.

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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Premium Personal Capital Facilities.