Your go-to answer for financial emergencies — cover urgent expenses with an instant personal loan, strengthen your credit score along the way, and enjoy competitive interest rates with Janmudra.
Quick & Easy Application
Purpose: Your data is collected exclusively to check your loan eligibility and securely connect you with your chosen lending partner. We process this information strictly in accordance with RBI guidelines to facilitate your application. We do not sell your data, and it is used exclusively to facilitate your loan application.
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A personal loan is unsecured credit that covers planned or surprise expenses — a wedding, a medical emergency, a trip or a home makeover — without asking you to pledge any collateral. You repay it through fixed monthly EMIs over a tenure you choose.
Janmudra shortens the distance between you and your goals: apply online or offline and we match you with the lowest interest rate for your requirement, all in minimal time.
Upload your documents online, then sit back — verification and approval move quickly with no branch visits needed.
The moment your loan is cleared, the sanctioned amount lands digitally in your bank account.
Nothing you own is put at stake, so you can borrow with complete peace of mind.
Only a handful of essential, easy-to-find documents are needed, keeping things applicant-friendly.
Pick a floating or a fixed rate — whichever suits the way you plan your money.
The journey is fully online, so a trip to the bank branch never makes your to-do list.
Choose any tenure from 12 to 84 months to match your income and expenses — just note longer terms can add interest.
Under RBI guidelines, floating-rate personal loans carry no foreclosure charges; fixed-rate loans may still attract lender-specific fees.
— Eligibility —
Meeting these simple requirements is all it takes:
Applicant should be between 21 and 65 years
Earnings of at least ₹20,000 per month
Credit score of 700 or more
Salaried or self-employed professional
Resident of India with valid proof of address
— Documents —
Keep these basics ready for a fast online approval:
Apply online in just a few simple steps
Search Janmudra Personal Loan on Google and open the Janmudra result.
Hit the Apply Now button.
Share your basic details — name, address and income.
Keep copies of the required documents handy and upload them here.
Sit back and wait for instant approval — once cleared, the amount goes straight to your account.
Repayment generally happens in one of the following forms:
Pay only the interest each month, then clear the principal in one lump sum — an option offered to select borrowers only.
A fixed monthly instalment that bundles principal and interest into one predictable payment.
Pay more than one EMI at a time to knock down the outstanding principal faster.
Close the loan early by paying the full outstanding amount — check the applicable charges before committing to this route.
The charges that apply across different parts of the loan are tabled below:
| Particulars | Charges |
|---|---|
| Loan Processing Fee | 0.5% to 4% of principal amount |
| Interest Rate | Starting from 9.99% per annum |
| Pre-payment / Partial payment / Foreclosure charges | Floating Rate: Nil · Fixed Rate: usually around 2% – 5% on the principal outstanding |
| Legal Fees | Depends on actuals |
| Stamp Duty | As per actuals |
| EMI / Cheque Bounce | Approx INR 400 per bounce |
Whatever the moment calls for, there is a flexible, fast option built to back it.
Handle urgent hospital bills with quick approval and speedy disbursal.
Learn MorePull extra money whenever you need it through a convenient overdraft.
Learn MoreRates, tenures and charges vary between lenders and states — compare through Janmudra without touching your credit score.
| Bank | Interest Rates | Loan Duration | Loan Amount | Processing Fee |
|---|---|---|---|---|
| State Bank of India | 10.05% - 15.05% pa | Up to 7 Years | Up to ₹50 lakhs | Up to 1.50% |
| HDFC Bank | 9.99% - 24.00% pa | Up to 6 Years | Up to ₹40 lakhs | ₹6,500 + GST |
| ICICI Bank | 9.99% - 16.50% pa | Up to 6 Years | Up to ₹50 lakhs | Up to 2% |
| Kotak Mahindra Bank | 10.99% - 30.00% pa | Up to 6 Years | Up to ₹35 lakhs | Up to 5% |
| Axis Bank | 9.99% - 22.00% pa | Up to 7 Years | Up to ₹40 lakhs | Up to 2% |
Everything you need to know about Personal Loans from Janmudra.
Discover how Janmudra has helped thousands of individuals across India achieve their dreams with seamless personal loan solutions.
Verified Customer
Mumbai
"I took Janmudra Business loan and my decision was perfectly alright for my business."
Amount
₹5,00,000
Purpose
Business Loan
Verified Customer
Bangalore
"Took Medical Loan from Janmudra when my CIBIL was low, and got my loan approved within a day."
Amount
₹7,50,000
Purpose
Medical Loan
Verified Customer
Delhi
"They are providing quick financial aid services and even have a portal to track the loan process."
Amount
₹12,50,000
Purpose
Wedding Loan
Verified Customer
Bangalore
"Just got my personal loan worth Rs. 5 lakh disbursed within a day."
Amount
₹5,00,000
Purpose
Personal Loan
Verified Customer
Bangalore
"Taking Business Loan has become easier with Janmudra thanks to their transparent services."
Amount
₹5,00,000
Purpose
Business Loan
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On the ground in every major city, with instant personal loan support built around your growth.
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