Key Loan Terms & Parameters
Interest Rates
10.5% - 21% p.a.
Max Loan Amount
Up to ₹40 Lakhs
Loan Tenure
1 to 6 Years
Processing Fee
1.5% to 2.5% of loan amount
Eligibility Criteria
Lending partners verify these criteria during physical or telephonic authentication:
- Age: 21 to 60 years
- Employment: Salaried or Self-employed professionals
- Min. Net Monthly Income: ₹25,000 (Metros) / ₹20,000 (Non-metros)
- Min. CIBIL Score: 700+
Required Documents Checklist
No File Uploads Needed: Perfect Lender is purely informational and referral. We will never ask you to upload PAN, Aadhaar, or statements on this website. Keep these copies ready for bank agents when they visit or contact you.
- Proof of Identity: PAN Card (Mandatory), Aadhaar Card, Passport, or Voter ID
- Proof of Address: Utility bills, Rent agreement, or Aadhaar Card
- Income Proof: Last 3 months salary slips, Last 6 months bank statements, Form 16
- Employment Verification: Employee ID card or Business registration certificate
Lender Rates Comparison (5 Partners)
| Bank / Partner | Featured Rate (p.a.) | Processing Fee Estimate |
|---|---|---|
| HDFC Bank | Starting 8.4% | 1.5% to 2.5% of loan amount |
| ICICI Bank | Starting 8.5% | 1.5% to 2.5% of loan amount |
| Axis Bank | Starting 8.6% | 1.5% to 2.5% of loan amount |
| Bajaj Finserv | Starting 10.99% | 1.5% to 2.5% of loan amount |
| Tata Capital | Starting 9.25% | 1.5% to 2.5% of loan amount |
Calculate Personal Loan EMI
Loan Amount (₹)₹5,00,000
₹50,000₹40,00,000
Interest Rate (% p.a.)10.5%
5.0%25.0%
Tenure (Years)3 Years (36 Mos)
1 Year6 Years
Estimated Monthly EMI
₹16,251
Total Cost₹5,85,044
Principal₹5,00,000
Interest Cost₹85,044
Have Questions?
Speak directly to our referral desk. We coordinate with HDFC, ICICI, SBI, and other partners to resolve your queries instantly.