The key highlights of Airtel Personal Loan are given below:
Airtel Personal Loan
Get up to ₹50 Lakhs starting at 9.99%
Interest Rate
12% p.a. onwards
Processing Time
1 - 2 Days
Processing Fee
Up to 5%
Max Loan Amount
₹10 Lakh
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Airtel Personal Loan: Key Highlights
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
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:
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:
How to Apply for Airtel Personal Loan (Step-by-Step)
To apply for an Airtel Personal Loan, follow the steps mentioned below
You can also apply for an Airtel Personal Loan using their official loan app named ‘Thanks’.
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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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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%.
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Get up to ₹50 Lakhs starting at 9.99%*
Get up to ₹50 Lakhs starting at 9.99%*















