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The term ‘low salary’ is relative and may mean different figures for different people depending on their profession, sector, geographical locations, occupation, etc. Similarly, the minimum income requirement set by the banks and NBFCs for availing personal loans may also vary, ranging from as low as Rs. 10,000 to Rs. 30,000 or even more.
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2839 Reviews
Wide Choice
Curated offers from 30+ lenders
Quick Disbursal
Money in your account instantly
SmartMatch
Offers ranked according to eligibility
Digital Process
Hassle-free & paperless
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Get up to ₹40 Lakh in 5 Simple Steps
Step 1: Enter your mobile number in the application form
Step 2: Provide your personal details
Step 3: Enter OTP to verify your mobile number
Step 4: Select the loan purpose and loan amount
Step 5: Compare offers and apply for the best-suited loan
| Lenders | Interest Rates |
Min. Salary Required |
|---|---|---|
| PaySense | 1.4%- 2.3% per month | Rs. 12,000 |
| Moneyview | 14% p.a. onwards | Rs. 13,500 |
| SBI | 10.10%-15.10% p.a. | Rs. 15,000 |
| Axis Bank | 9.99% p.a. onwards | Rs. 15,000 |
| Tata Capital | 11.50% p.a. onwards | Rs. 15,000 |
| CASHe | 2.79% p.m. onwards | Rs. 15,000 |
| Stashfin | 11.99% - 59.99% p.a. | Rs. 15,000 |
| Fibe (EarlySalary) | 18.00% p.a. onwards | Rs. 15,000 |
Note: Interest rates as of 25 August 2025
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The primary factors that banks and NBFCs consider while evaluating personal loan application would include your credit score, income, age, occupation and employer’s profile. These factors will also largely determine the personal loan interest rates offered to you by the lenders. Below mentioned are the basic eligibility criteria along with documents required to avail personal loan for a low salary:
| Lender | Interest Rates | Min. Salary Required |
|---|---|---|
| KreditBee | 12.00% - 28.50% | Rs. 10,000 |
Note: Interest rates as of 25 August 2025
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| Lenders | Interest Rates | Min. Salary Required |
|---|---|---|
| HDFC Bank | 9.99% p.a. onwards | Rs. 25,000 |
| Kotak Mahindra Bank | 10.99% p.a. onwards | Rs. 25,000 |
| IndusInd Bank | 10.49% p.a. onwards | Rs. 25,000 |
| ICICI Bank | 10.60% p.a. onwards | Rs. 30,000 |
Note: Interest rates as of 25 August 2025
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Get up to ₹40 Lakh in 5 Simple Steps
Step 1: Enter your mobile number in the application form
Step 2: Provide your personal details
Step 3: Enter OTP to verify your mobile number
Step 4: Select the loan purpose and loan amount
Step 5: Compare offers and apply for the best-suited loan
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