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Airtel Personal Loan

Airtel Finance offers instant personal loans up to Rs. 10 lakh with interest rates starting from 12% p.a. Airtel Personal Loan provides multiple benefits to borrowers, including quick disbursal, zero documentation and flexible repayment options.
Paisabazaar Promise
Quick Disbursal & Low EMI

Get up to ₹50 Lakhs starting at 9.99%

Provider Highlights
Interest Rate

Interest Rate

12% p.a. onwards

Processing Time

Processing Time

1 - 2 Days

Processing Fee

Processing Fee

Up to 5%

Max Loan Amount

Max Loan Amount

₹10 Lakh

4.5/5

15.7L Reviews

6cr+Satisfied Customers
30+Lending Partners
₹65k Cr+Loans Disbursed

Airtel Personal Loan: Key Highlights

The key highlights of Airtel Personal Loan are given below:

  • Loan amount: Up to Rs. 10 lakh
  • Interest rate: Starting from 12% p.a.
  • Tenure: 60 months
  • Processing fees: Up to 5%
  • Application process: Online

Know About the Airtel Finance Personal Loan

Airtel Finance is Bharti Airtel's financial services platform. Both Airtel and non-Airtel customers can access personal loans, credit cards, and other services via the Airtel Thanks app.

Airtel functions as a digital lending platform for personal loans. Your application is sent to one of Airtel Finance's partner banks or NBFCs when you apply for a loan. The lender determines your interest rate, verifies your eligibility, approves the loan, and collects your EMIs.

Is Airtel Finance safe? Who actually gives the loan?

Yes, Airtel Finance is a completely safe and regulated digital lending platform. It is an RBI-registered financial partner and is listed in the RBI's Digital Lending Apps (DLA) directory.

Airtel Finance has partnered with multiple RBI-registered lenders. These lenders provide loans through the Airtel Digital Lending Platform or loan App.

Airtel Personal Loan Interest Rates 2026

Airtel Personal Loan interest rate starts from 12.00% p.a. To get the best interest rate on your personal loan, you can visit the Paisabazaar website and compare personal loan offers from top lenders.

You can also use the Paisabazaar loan app to compare personal loan offers

Factors that affect your Airtel loan interest rate

Multiple factors can affect the interest rate of an Airtel personal loan, including

  • Credit score of the borrower: A lower credit score can attract a higher interest rate or may lead to rejection. A higher credit score can help borrowers get lower interest rates.
  • Existing debt-to-income ratio: Lenders usually prefer a debt-to-income ratio of 50-55%. A higher debt-to-income ratio may attract higher interest rates.
  • Income stability: A steady and consistent income is seen as low risk by lenders, attracting lower interest rates.
  • Repayment history: A strong history of timely repayments shows financial discipline and attracts lower interest rates.

How to calculate the real cost of your Airtel loan

To calculate the real cost of your instant personal loan, consider other charges along with the interest rate. For example:

Particulars Amount
Loan amount sanctioned Rs. 1,00,000
Interest rate 12% p.a.
Loan tenure 12 months
Monthly EMI Rs. 8,884.88
Total repayment through EMIs Rs. 1,06,618.56
Total interest payable Rs. 6,618.56
Processing fee (2%) Rs. 2,000
GST on processing fee (18%) Rs. 360
Total amount deducted as charges Rs. 2,360
Net loan amount disbursed Rs. 97,640
Total repayment Rs. 1,06,618.56

This means that although the sanctioned loan amount is Rs. 1 lakh, you will receive only Rs. 97,640 after upfront deductions and repay Rs. 1,06,618.56 through EMIs. Thus, your actual borrowing cost will be around Rs. 9000, including interest and processing charges. Consider these additional costs while evaluating the affordability of an instant personal loan rather than comparing offers based on interest rates alone.

Airtel Personal Loan Eligibility Criteria

Airtel Personal Loan eligibility criteria are mentioned below:

  • Credit score: 650 and above
  • Minimum age: 21 years
  • Maximum age: 60 years at the time of loan maturity
  • Minimum monthly income: Rs. 25,000 p.m
  • Employment Duration: A total of 2 years of employment, with at least 1 year with the current employer.
  • Residency: If renting, at least a year at the current address.

What is the minimum CIBIL score for an Airtel loan?

For an Airtel Personal Loan, you need a minimum credit score of 650. If your credit score is low, try rebuilding it before applying for the personal loan to improve your chances of approval.

Can I get an Airtel personal loan with a low salary?

For an Airtel Personal Loan, you require a minimum salary of Rs. 25,000 and above. If your income is lower, you can show additional proof of income to boost your approval chances or apply on the Paisabazaar loan app.

Do I need to be an Airtel customer?

No, you do not need to be an Airtel customer to avail the Airtel Personal Loan.

Documents Required for Airtel Personal Loan

You will need to provide the following documents for the Airtel Personal Loan:

  • KYC Documents: Aadhaar, PAN card
  • Address proof: Rent agreement, Utility bill, etc.
  • Income proof: Salary slip, bank statements, etc.

How to Apply for Airtel Personal Loan (Step-by-Step)

To apply for an Airtel Personal Loan, follow the steps mentioned below

  • Visit the official website of Airtel Finance.
  • Enter basic information
  • Check your eligibility
  • Select the offer and apply

You can also apply for an Airtel Personal Loan using their official loan app named ‘Thanks’.

Why Choose Paisabazaar?
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FAQs

Is Airtel personal loan safe?

Yes, Airtel Personal Loan is safe and secure to use. 

What is the interest rate on an Airtel personal loan?

The interest rate starts from 12% p.a. for an Airtel personal loan. 

How much personal loan can I get from Airtel?

Airtel Finance offers a maximum personal loan of up to Rs. 10 lakh. The maximum loan amount that you can get will depend on multiple factors, including your income, credit profile, debt-to-income ratio, etc. 

Do I need an Airtel SIM to get an Airtel Finance loan?

No, you do not need an Airtel SIM to get an Airtel Finance Loan.

How fast is Airtel personal loan disbursal?

Airtel Personal Loan is disbursed in as little as 30 minutes to 24 hours. 

What is the minimum salary for an Airtel personal loan?

Applicants need to have a minimum salary of Rs. 25,000 to be eligible for an Airtel Personal Loan.

Does applying for an Airtel loan affect my credit score?

Yes, applying for a loan can affect your credit score

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What our customers say

Get My Personal loan disbursed

I would like to give a huge shoutout to Munni Nayak from Paisabazaar for her incredible support in helping me get my personal loan disbursed within just a few days. She was extremely cooperative throughout the entire process and demonstrated great knowledge by explaining every step in detail with patience and clarity. I truly appreciate her dedication, professionalism, and the smooth experience she provided. Thank you so much, Munni, for all your help and support!

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Preeti BhattMay 16, 2026

Smooth & hassle-free loan approval experience

I want to express my gratitude for your exceptional support & guidance throughout my loan application process to Aman (EW17239). Your professionalism & clear communication made the journey smooth and manageable. I appreciate how you helped during loan approval & fast-tracked the documentation. It is rare to find someone so committed to their clients. I truly value the effort you put into ensuring a successful outcome. Thanks again for your invaluable help.

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Sanjay Kumar GuptaMar 30, 2026

Exceptional guidance throughout the process

I’d like to express my sincere appreciation for Mr. Aman Kumar (EW32023) for the excellent assistance provided. His professionalism & willingness to help made the experience smooth & pleasant. Aman Kumar demonstrated patience & clarity while addressing queries and ensured that everything was handled efficiently. Such dedication & customer-focused service truly deserve recognition. Please convey my thanks and appreciation to him for his outstanding support.

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Jyotirmoy SinghaMar 23, 2026

Very helpful and easy to reach

I really wants to appreciate Mohankumar Dhandapani for closing my loan requirement in such a short time and nice manner. He is very much approachable helped me based on my requirements. He explained me all the options in very short time even one option failed immediately helped me to get other options worked. Excellent job done by Mohankumar Dhandapani all the best keep you same way approachable you will get more customers. Thanks to Paisabazar too.

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Kirubagaran GanesanFeb 24, 2026

Reliable help when i needed it most

I am writing this email to express my sincere thanks for your excellent support and guidance on Paisabazaar. My experience was very smooth and satisfying because of your help. You explained everything clearly and made the whole process easy and comfortable for me. I truly appreciate your professionalism, patience, and quick response. I am very happy with the service and would definitely recommend to others because of the great support I received from you. Thank you once again

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DharmeshFeb 22, 2026

Committed support that made everything easy

I’d like to appreciate the Paisabazar team for the excellent loan service. I especially want to recognize one of your agents, Mr. Prince Kumar, for his outstanding support. For more than a month, he continuously followed up with me and assisted me. His commitment & professionalism made the experience smooth & hassle-free. I appreciate his efforts and dedication. Kindly acknowledge his performance and consider rewarding such a sincere employee.

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BhupendraFeb 18, 2026

My Trust in Paisabazaar has Increased

I would like to take a moment to share my sincere feedback regarding the support I received from your team. The executive who assisted me was extremely professional, polite, and knowledgeable. They patiently understood my concern, explained the process clearly, and guided me step by step toward the right solution. I truly appreciate the transparency, timely responses, and genuine effort shown to help me.

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Lalit MaviFeb 12, 2026

Best Place for Taking Loans

I contacted customer care with a few queries, and I am very satisfied with the support I received. The representative was polite, patient, and explained everything clearly. My questions were resolved properly, and the overall experience was smooth and helpful. Thank you for the excellent customer service

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Kokil BarnwalFeb 12, 2026

Easy loan approval with good guidance

Thank you for the support provided for getting personal loan approval. During this process I worked with Mr. Aman Bajpai (EW17239) who was co-ordinator for this entire process of Personal loan, I was incredibly impressed by his efficiency and problem-solving skills. He went out of their way to ensure all my questions were answered and that the disbursement timeline stayed on track. His coordination was really appreciable.

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Riyaj AtarFeb 9, 2026

Apne higher education ke liye loan liya tha

Muhje higher education ke liye loan chahiye tha. Paisabazaar pe apply kiya. Got it at the right time. Quite helpful.

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Puja DanuJan 22, 2026
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Sushmita Mishra profile
Written ByLinkedIn icon
Sushmita Mishra
Shamik Ghosh profile
Reviewed ByLinkedIn icon
Shamik Ghosh
Disclaimer

Paisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners.

The APR (Annual Percentage Rate) of a personal loan is its annualised cost of borrowing, which includes the interest rate as well as the processing fees, documentation fees and other fees charged during the loan origination. The APR is expressed in the form of a percentage and thus, allows personal loan applicants to detect personal loan schemes offered at lower interest rates but with higher processing fees and/or other charges.

The APR of personal loans usually ranges between 11.29% to 35%. For example, assume that you have availed a personal loan of Rs. 5 lakhs @ 10.50% p.a. with a repayment tenure of 5 years. The processing fee charged for this loan is 1.5% of the loan amount, which amounts to Rs 7,500. Therefore, the total borrowing cost of your personal loan will be Rs 1,52,317 and its APR will be 11.16%.

Address: Paisabazaar Marketing & Consulting Pvt. Ltd. 135 P, Sector 44, Gurugram (HR) 122001

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